Exhibit 99.36
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| GCAT2026CES1000281 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per fraud report, the borrower owns the property at XXX. Please provide mortgage Statement, tax certificate, insurance policy and HOA Statement, if applicable or provide supporting documentation for exclusion from the DTI. Missing HOA Statement for the subject property. Please provide HOA Statement reflecting the monthly dues are XXX for the subject property. | History of ownership back to XXX NOT owned by XXX; Free and Clear XXX and HOA for subject XXX | 05/06/2026 | Lender provided documentation the borrower does not own XXX . Condition cleared.; Borrower 1 Credit Report is not partially present.; XXX) Lender provided a property report for XXX , please provide a property report showing no ownership in XXX . or provide mortgage Statement, tax certificate, insurance policy and HOA Statement, along with revised AUS/XXX/1003 if applicable. XXX) Lender provided the HOA Statement for the subject property. Condition retained. | 05/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.6% is less than Guideline LTV of 89.99% Calculated LTV of 65.6% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000281 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.6% is less than Guideline LTV of 89.99% Calculated LTV of 65.6% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000282 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/06/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.69% is less than Guideline CLTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing the required AVM and Property condition report or XXX used for valuation. | avm XXX score; AVM for value | 06/10/2026 | Third party valuation provided within tolerance. Condition cleared. ; AVM provided shows a score of XXX% and XXX of XX/XX/XXXX which is below the minimum required XXX of XXX or greater (FSD score less than or equal to XXX). XXX to order.; Appraisal is Present or is Waived | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.07% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | C | A | D | A | C | A | D | C | N/A | C | D | C | D | C | D | C | N/A | C | D | C | N/A | C | D | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | Property Inspection meets guidelines. | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.07% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | C | A | D | A | C | A | D | C | N/A | C | D | C | D | C | D | C | N/A | C | D | C | N/A | C | D | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.07% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | C | A | D | A | C | A | D | C | N/A | C | D | C | D | C | D | C | N/A | C | D | C | N/A | C | D | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the AVM fee on the final CD dated XX/XX/XXXX. The fee increased from XXX on the LE dated XX/XX/XXXX to XXX on the final CD and no COC was provided for the increase. | CD and COC | 06/09/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.07% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | C | A | D | A | C | A | D | C | N/A | C | D | C | D | C | D | C | N/A | C | D | C | N/A | C | D | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000284 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.44% is less than Guideline LTV of 85% Calculated LTV of 34.44% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000285 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.28% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.72% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000286 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the XXX and increase in transfer taxes. The transfer taxes increased on the XX/XX/XXXX LE but the loan amount increased as of XXX/XXX, it was not disclosed timely | proof of receipt; PCCD docs | 05/04/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing proof of receipt; will downgrade upon proof of receipt; Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing proof of receipt; will downgrade upon proof of receipt | 05/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.87% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | A | A | A | C | B | D | D | N/A | C | D | D | A | C | D | D | N/A | C | D | D | N/A | C | D | D | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000286 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with a minimum coverage of XXX | FTP | 04/27/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.87% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | A | D | A | A | A | C | B | D | D | N/A | C | D | D | A | C | D | D | N/A | C | D | D | N/A | C | D | D | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000286 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM3075 | Credit | Missing XXX Disclosure or ID | Missing XXX Disclosure or ID. Patriot Act disclosure was not provided in the file. | patriot act | 04/27/2026 | Lender provided the signed XXX Disclosure. Condition cleared.; Material | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.87% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | A | D | A | A | A | C | B | D | D | N/A | C | D | D | A | C | D | D | N/A | C | D | D | N/A | C | D | D | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000286 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA received - no level XXX discrepancies - condition cleared | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.87% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | A | A | A | C | B | D | D | N/A | C | D | D | A | C | D | D | N/A | C | D | D | N/A | C | D | D | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |||
| GCAT2026CES1000286 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter stating no HOA for the property at XXX. Additional conditions may apply. | XXX | 04/27/2026 | Lender provided the HOA documentation for XXX. Condition cleared. | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.87% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | A | A | A | C | B | D | D | N/A | C | D | D | A | C | D | D | N/A | C | D | D | N/A | C | D | D | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000287 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared.; HMDA Data Tape Provided. | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.88% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.67% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000287 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XX/XX/XXXX to XXX for the Appraisal Fee added on the XX/XX/XXXX initial CD. | COC | 04/13/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.88% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.67% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000288 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 05/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.66% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.92% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000289 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.61% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000290 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership XXX organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's XXX will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership XXX organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership XXX organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's XXX will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership XXX organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Lender provided documentation to show the HOC list is provided to the borrower within XXX days of application; exception resolved Lender provided documentation to show the HOC list is provided to the borrower within XXX days of application; exception resolved | ; Homeownership XXX organizations disclosure (XX/XX/XXXX) provided is not within XXX days of application date XX/XX/XXXX. Please provide Homeownership XXX organizations disclosure within XXX days of XX/XX/XXXX. | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 85% Calculated LTV of 10.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.64% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000290 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/11/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership XXX Disclosure Is Missing Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | HOC List sent with Initial Diclosures | 05/13/2026 | Homeownership XXX Disclosure Is Present or Not Applicable; Homeownership XXX Disclosure provided | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 85% Calculated LTV of 10.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.64% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000290 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated Business Disclosures send with Initial Disclosures | 05/13/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 85% Calculated LTV of 10.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.64% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000290 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 85% Calculated LTV of 10.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.64% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.37% is less than Guideline LTV of 589.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.32% is less than Guideline CLTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing a copy of the Trust or Certification of Trust | Trust documents | 05/12/2026 | Documentation provided is sufficient. Exception resolved.; Property Title Issue Resolved | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.37% is less than Guideline LTV of 589.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.32% is less than Guideline CLTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.83% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.48% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/27/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of XXX for the Rent Schedule Fee on closing disclosure dated XX/XX/XXXX without a COC. | COC and CD | 04/29/2026 | Valid COC provided - exception resolved; Valid COC provided - exception resolved | 04/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.79% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.79% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.58% is less than Guideline LTV of 85% Calculated LTV of 8.58% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.16% is less than Guideline CLTV of 85% Calculated CLTV of 52.16% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing insurance policy and tax certificate for the property at XXX. Please provide insurance policy and tax certificate. | tax Bill for XXX | 05/15/2026 | Lender provided the Tax Statement for XXX file contains schedule E. Condition cleared. ; Borrower 1 Credit Report is not partially present. | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.58% is less than Guideline LTV of 85% Calculated LTV of 8.58% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.16% is less than Guideline CLTV of 85% Calculated CLTV of 52.16% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.69% is less than Guideline CLTV of 85% Calculated CLTV of 64.69% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.2% is less than Guideline LTV of 85% Calculated LTV of 25.2% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Lenders Title Insurance. No valid COC provided. | COC | 06/22/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | 06/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.69% is less than Guideline CLTV of 85% Calculated CLTV of 64.69% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.2% is less than Guideline LTV of 85% Calculated LTV of 25.2% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/04/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.25% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing the required TPV. | Rescinded as not required.; Property/Appraisal Meets Guidelines. | 06/11/2026 | D | B | A | A | C | A | A | A | D | B | D | C | N/A | D | D | C | A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | ||||
| GCAT2026CES1000297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | here is the corrected one; here you go; coc is in file | 05/21/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; A cure of XXX was provided, the tolerance violation was XXX The cure package was short $XXX; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in appraisal fee without a valid COC in file | 05/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 89.99% | D | B | C | B | C | A | A | A | D | B | D | C | N/A | D | D | C | A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2026 | Cured | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing There's no evidence of the XXX and pg XXX to the final CD issued XX/XX/XXXX non escrow acct section isn't complete. | here you go | 05/19/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 89.99% | D | B | D | B | C | A | A | A | D | B | D | C | N/A | D | D | C | A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 89.99% | D | B | C | A | C | A | A | A | D | B | D | C | N/A | D | D | C | A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |||
| GCAT2026CES1000298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/01/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing the required AVM. | Invalid - We have a full appraisal on this property. Guides State if multiple valuation products are obtained to use the most comprehensive product which would be a full appraisal. | 06/10/2026 | Resolved as full XXX is in file.; Audit reviewed the lenders response. Subject transaction is the XXX of a primary residence. A CDA is required per investor. Condition retained. | 06/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.92% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | N/A | A | C | C | C | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.92% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | N/A | A | C | C | C | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership XXX Disclosure Is Missing Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX business days of application date of XX/XX/XXXX. | Please see attached | 05/06/2026 | Homeownership XXX Disclosure Is Present or Not Applicable | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | N/A | B | D | D | A | B | D | D | N/A | B | D | D | N/A | B | D | D | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/04/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing subordination rider and Simple interest rider as checked on the DOT. | Please see attached | 05/06/2026 | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | N/A | B | D | D | A | B | D | D | N/A | B | D | D | N/A | B | D | D | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | N/A | B | D | D | A | B | D | D | N/A | B | D | D | N/A | B | D | D | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000300 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.16% is less than Guideline LTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 05/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.34% is less than Guideline LTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the AVM Fee. The COC dated XX/XX/XXXX wasn't accepted because it did not provide a reason why the fee was added. Please provide a more detailed explanation. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | COC | 06/16/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.65% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.08% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.65% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.08% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.71% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.71% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.71% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.83% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.83% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.83% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.83% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.83% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.83% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. HPML compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.18% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.37% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.18% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.37% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.18% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.37% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.59% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.59% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.59% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.82% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.82% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.82% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.14% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.14% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.14% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.47% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.47% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.47% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.59% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.59% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.59% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX ), (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.59% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000317 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000317 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000317 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.98% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.98% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.98% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.75% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.75% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.75% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.28% is less than Guideline LTV of 50% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.28% is less than Guideline LTV of 50% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.28% is less than Guideline LTV of 50% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.9% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.9% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.9% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.27% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.27% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.27% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000331 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000331 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000331 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX ), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000336 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000336 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000336 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.04% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.04% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.04% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.04% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.69% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.69% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.69% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000339 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.94% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000339 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.94% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000339 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.94% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000342 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000342 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000342 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. XXX Disclosure on Page XXX | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000346 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000346 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000346 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCOM3524 | Compliance | Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1)) | Loan is a Higher-Priced Mortgage Loan and Appraiser's license status was Inactive at time of origination. Pending credit review. | Document Uploaded. Please see the license lookup which shows the particular license that was in the appraisal as revoked on XXX/XXX, and the license was inactive on XXX/XXX. Appraisal was a qualified appraiser during origination. | 04/15/2026 | Appraiser license is active | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.3% is less than Guideline CLTV of 90% | B | A | B | A | A | A | A | A | B | A | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.3% is less than Guideline CLTV of 90% | B | A | A | A | A | A | A | A | B | A | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.3% is less than Guideline CLTV of 90% | B | A | A | A | A | A | A | A | B | A | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.3% is less than Guideline CLTV of 90% | B | A | A | A | A | A | A | A | B | A | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000349 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000349 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000349 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.77% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.77% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.77% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.75% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.75% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.75% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | HPML compliant, downgraded to A This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.75% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.17% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.45% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.17% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.45% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.17% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.45% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. There is a XXX for social XXX but not for the retirement income. | Document Uploaded. Please see the XXX attached | 04/15/2026 | Borrower 1 W2/XXX Provided | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.16% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.16% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.16% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.35% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.35% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.35% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.22% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.22% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.22% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.26% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.26% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.26% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.49% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.49% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.49% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.14% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.14% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.14% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. License in file Statement status is past due and the next Statement due date is XX/XX/XXXX. | Document Uploaded. Please see the attached active license, though the Statement status is past due, the license is active and the business is allowed to operate. There are no guidelines around Statement status. | 04/15/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.82% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.2% is less than Guideline LTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.82% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.2% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.82% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.2% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.96% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.96% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.96% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.41% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.41% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.41% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.41% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.87% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.87% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.87% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.14% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.14% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.14% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | Documentation required: The disbursement date per CD issued XX/XX/XXXX is XX/XX/XXXX. The Right of Rescission has a cancel by date of XX/XX/XXXX; however, the mortgage was notarized on XX/XX/XXXX. Please provide a certified HUD1 Settlement Statement confirming the disbursement date, re-opening of rescission, LOE, and proof of delivery. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | Please be advised some documents were resigned post-close, along with the recission period which provided the borrower the full three days to rescind. This meets the requirements. | 04/15/2026 | Received clarification of closing/notary date - exception resolved; Received clarification of closing/notary date - exception resolved | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.02% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.86% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.86% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.86% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.39% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.39% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.39% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.65% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.65% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.65% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000390 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000390 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000390 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.66% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.66% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.66% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.18% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.18% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.18% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000398 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000398 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000398 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.91% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.79% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.91% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.79% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.91% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.79% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000401 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000401 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000401 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.01% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.01% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.01% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.45% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.45% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.45% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX ), (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.45% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000407 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. XXX in file reflects incorrect Second Mortgage P&I of XXX causing Qualifying Ratios to be miscalculated. Please provide an updated correct F1008 for review. | Document Uploaded. Please see the attached XXX | 04/20/2026 | Approval/Underwriting Summary is fully present | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000407 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000407 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.06% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.06% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.06% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.06% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000411 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.99% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000411 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.99% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000411 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.99% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000412 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM1604 | Compliance | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Borrower disclosed that they opened a new debt XXX with XXX inquiry. With a balance XXX and XXX monthly payment. This debt was not included in the lender’s calculation. | The credit report confirms the XXX debt ending XXX is already reporting on credit. The borrower recently took an additional draw from this account but it is not new. XXX is welcome to add the additional XXX to DTI calculation if necessary as there will be minimal impact to DTI. | 04/15/2026 | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000412 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000412 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000413 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000413 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000413 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000414 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.26% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000414 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.26% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000414 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.26% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000415 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.36% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000415 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.36% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000415 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.36% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000416 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Non-QM | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.12% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000416 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.12% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000416 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.12% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000417 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.88% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.91% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000417 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.88% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.91% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000417 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.88% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.91% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000418 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000418 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000418 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000418 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000419 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000419 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000419 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000420 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000420 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000420 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000421 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.6% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.95% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000421 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.6% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.95% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000421 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.6% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.95% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000422 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000422 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000422 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000423 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.71% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000423 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.71% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000423 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.71% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000424 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000424 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000424 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000425 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000425 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000425 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000426 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000426 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000426 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000427 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000427 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000427 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000428 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000428 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000428 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000429 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.08% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000429 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.08% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000429 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.08% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000430 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title Insurance required from XXX of the following with Insurance Wrapper,XXX or Full Tile Policy per Lender's guide | Document Uploaded. Please see attached title commitment for subject.; Please see the attached title commitment. | 04/17/2026 | Title Document is fully Present; The attached title document is not for this loan/subject property. Please provide an Insurance Wrapper, XXX or Full Tile Policy for this loan. | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.72% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000430 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.72% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000430 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.72% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000431 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000431 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000431 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000432 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000432 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000432 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000433 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000433 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000433 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000434 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.11% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000434 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.11% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000434 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.11% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000435 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000435 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000435 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000436 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000436 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000436 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000437 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000437 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000437 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000438 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000438 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000438 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000439 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.92% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000439 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.92% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000439 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.92% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000440 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000440 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000440 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000441 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.2% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000441 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.2% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000441 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.2% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000442 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000442 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000442 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000443 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000443 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000443 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000444 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000444 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000444 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000445 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Acknowledged | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Unable to Resolve-The taxpayer first act disclosure is listed in the authorizations on the signature page of the 1003, please review. | 04/16/2026 | Confirmed : Unable to Resolve-The taxpayer first act disclosure is listed in the authorizations on the signature page of the 1003, please review. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.61% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.22% is less than Guideline CLTV of 90% | B | B | B | B | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |
| GCAT2026CES1000445 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.61% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.22% is less than Guideline CLTV of 90% | B | B | A | A | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000445 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.61% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.22% is less than Guideline CLTV of 90% | B | B | A | A | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000445 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.61% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.22% is less than Guideline CLTV of 90% | B | B | A | A | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000446 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.6% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000446 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.6% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000446 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.6% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000446 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.6% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000447 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000447 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-710 | Compliance | XXX A6 Required Fees Test | Cure required: Cure of $XXX. The loan data indicates that the following fees were included in the testing and totaled XXX which exceeded the allowed XXX% of the original principal amount, or $XXX: Abstract / Title Search Fee paid by Borrower: XXX Appraisal Management Fee paid by Borrower: XXX Credit Report Fee paid by Borrower: XXX Flood Certification - Initial Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Loan Origination Fee paid by Borrower: XXX XXX paid by Borrower: XXX Mortgage Recording paid by Borrower: XXX Points - Loan Discount Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX The lender's QM Findings report in file (pg. XXX) provided an Undiscounted rate of XXX%. However, since this Undiscounted rate is less than the Note rate of XXX% it is not valid. Please provide either of the following options to cure: XXX Please provide a corrected Undiscounted rate. Once, received, additional testing will be completed. XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. This loan failed the required fees test. (XXX, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended XXX. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | Document Uploaded. Please see the attached rate adjustor which shows that the borrowers chosen rate of XXX% was increased by rate adjustors to XXX. The same rate adjustors would apply to the undiscounted rate, which means the true undiscounted rate is XXX + XXX points = XXX% therefore all points paid was paid to reduce the interest rate, and can be excluded from the XXX% limit. | 04/15/2026 | Undiscounted rate provided; exception resolved ; Undiscounted rate provided; exception resolved | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000447 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000447 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000448 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.17% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000448 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.17% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000448 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.17% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000449 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.38% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000449 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.38% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000449 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.38% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000450 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.43% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000450 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.43% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000450 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.43% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000450 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2502 | Compliance | XXX Home Loan Test | HPML compliant. This loan failed the XXX home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.43% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000451 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000451 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000451 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000452 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000452 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000452 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000452 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000453 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000453 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000453 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000454 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | File contains the Subprime Language on the Mortgage and the XXX Home Loan XXX Disclosure on pg XXX This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000454 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000454 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000454 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000455 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000455 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000455 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000456 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000456 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000456 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000457 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000457 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000457 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000458 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000458 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000458 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000459 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.97% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000459 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.97% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000459 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.97% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000459 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.97% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000460 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.91% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000460 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.91% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000460 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.91% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000461 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.95% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.37% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000461 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.95% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.37% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000461 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.95% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.37% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000462 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.32% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000462 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.32% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000462 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.32% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000463 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000463 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000463 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000464 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000464 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000464 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000465 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 808% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000465 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 808% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000465 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 808% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000465 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 808% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000466 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000466 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000466 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000467 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000467 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000467 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000468 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.82% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.79% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000468 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.82% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.79% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000468 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.82% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.79% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000469 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000469 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000469 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000470 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000470 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000470 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000471 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.48% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000471 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.48% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000471 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.48% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000472 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000472 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000472 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000473 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Rescinded | FCRE1764 | Credit | Missing Verification of Mortgage | Lender to provide 1st lien mortgage Statement that supports P&I payment of $XXX. The Statement provided reflects P&I as XXX monthly.* | Lender's first lien P&I amount of XXX includes the XXX insurance payment as reflected on pg XXX of the loan file. | 04/17/2026 | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | ||||
| GCAT2026CES1000473 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE9549 | Credit | Missing Credit Report Supplement | Missing Credit supplement or current Statement from XXX documenting monthly payment of XXX as noted on 1003. | The XXX account payment was not reported on the credit report. In accordance with standard industry practice, we applied a payment amount equal to XXX% of the outstanding balance. Please escalate to be cleared as-is. | 04/16/2026 | ; Lender confirmed - The XXX account payment was not reported on the credit report. In accordance with standard industry practice, we applied a payment amount equal to XXX% of the outstanding balance. | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000473 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000473 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000474 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000474 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000474 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000475 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.22% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000475 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.22% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000475 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.22% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000476 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.21% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000476 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.21% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000476 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.21% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000477 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.22% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.88% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000477 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.22% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.88% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000477 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.22% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.88% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000478 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.13% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000478 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.13% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000478 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.13% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000479 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.68% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000479 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.68% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000479 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.68% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000480 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.51% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.04% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000480 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.51% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.04% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000480 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.51% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.04% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000481 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000481 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000481 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000482 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.96% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000482 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.96% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000482 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.96% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000483 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.92% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.86% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000483 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.92% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.86% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000483 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.92% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.86% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000484 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000484 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000484 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000485 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000485 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000485 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000486 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000486 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000486 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000487 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000487 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000487 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000488 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA XXX charge test.(12 CFR §1026.38(o)(2) he XXX charge is $XXX. The disclosed XXX charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the XXX charge calculation include: Loan Origination fee of XXX Loan Discount fee of XXX Flood Certification fee of XXX XXX fee of XXX Appraisal Management fee of XXX Closing Protection Letter fee of XXX Title Courier fee of XXX Settlement fee of XXX Technology fee of XXX and Prepaid Interest of $XXX. The Lender's itemization did not include the Technology fee of XXX as a prepaid XXX charge. | Document Uploaded. Please see the attached post close corrected CD, loe to borrower, refund check, ROR forms and proof of delivery. | 04/28/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1000488 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |||
| GCAT2026CES1000488 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |||
| GCAT2026CES1000489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. HPML compliant. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000490 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000490 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000490 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000491 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.1% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000491 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.1% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000491 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.1% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.93% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.24% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.93% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.24% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.93% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.24% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.49% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.49% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.49% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | HPML compliant, downgraded to A This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.48% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.48% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.48% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000502 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000502 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000502 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.29% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000503 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.09% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000503 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.09% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000503 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.09% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000503 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.09% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. Please see the attached photo ID. | 04/16/2026 | Photo Identification provided. | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file reflects monthly HOA dues of $XXX; however, supporting documentation has not been provided. | Document Uploaded. Please see attached, HOA dues as requested | 04/16/2026 | Lender HOA XXX screenshot for XXX HOA amount. | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.21% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.21% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.21% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000506 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.07% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000506 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.07% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000506 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.07% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.67% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.67% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.67% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.48% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.48% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.48% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.02% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.02% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.02% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000513 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000513 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000513 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.92% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.92% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.92% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | HPML compliant, downgraded to A This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2502 | Compliance | XXX Home Loan Test | HPML compliant. This loan failed the XXX home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.95% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.95% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.95% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.88% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000522 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.47% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000522 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.47% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000522 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.47% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.39% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.39% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.39% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.47% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.47% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.47% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.35% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.35% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.35% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.61% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.61% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.61% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.7% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.7% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.7% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000530 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000530 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000530 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.99% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.33% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.45% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.33% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.45% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.33% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.45% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000536 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000536 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000536 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.62% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.62% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.62% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.01% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.01% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.01% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.19% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.19% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.19% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.67% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.67% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.67% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000547 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.33% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000547 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.33% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000547 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.33% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000548 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.93% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.54% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000548 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.93% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.54% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000548 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.93% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.54% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2978 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Regulations hile the XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.47% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.96% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.07% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.07% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.07% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.07% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.03% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.03% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.03% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.55% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000560 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000560 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000560 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2838 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX XXX Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000560 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000561 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000561 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000561 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000562 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000562 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000562 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.59% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.81% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.81% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.81% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.57% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.96% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.49% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.49% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.49% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.01% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.01% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.01% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.68% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.89% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.89% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.89% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | XXX requirements met This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.89% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.44% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.93% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.93% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2978 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Regulations hile the XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.93% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.93% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.47% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.47% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.47% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.57% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.76% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.57% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.76% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.57% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.76% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.28% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.28% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.28% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX ), (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.28% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.37% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.37% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.37% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000583 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000583 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000583 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.92% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.92% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.92% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.18% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.18% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.18% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.73% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.93% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.93% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.93% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000588 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000588 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000588 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000588 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000590 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.07% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000590 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.07% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000590 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.07% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000591 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000591 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000591 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.64% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.39% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.3% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.3% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.3% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.56% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.14% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2978 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Regulations hile the XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliance | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.48% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.48% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.48% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.48% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML compliant. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.98% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.98% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant evidenced appraisal delivery | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.98% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.79% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.79% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No cure needed. HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.79% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.6% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.06% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.06% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.06% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000608 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.8% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000608 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.8% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000608 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.8% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000609 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1332 | Credit | Borrower 1 Paystubs Less Than 1 Month Provided | Borrower 1 Paystubs Less Than XXX Month Provided Provide complete paystub with pay thru date. (one in file right side is cut off unable to determine pay thru date) | Document Uploaded. Please see the attached screengrab of the borrowers paystub. | 04/16/2026 | Borrower 1 Paystubs Less Than XXX Month Provided Condition Resolved | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000609 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000609 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000610 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.84% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000610 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.84% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000610 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.84% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.99% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.62% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.62% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.62% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.1% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.1% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.1% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.94% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.94% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.94% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000615 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.39% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000615 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.39% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000615 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.39% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000616 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000616 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000616 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.28% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. Mortgage XXX Legend page XXX XXX XXX List page XXX Exception Downgraded. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000618 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.15% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.32% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000618 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.15% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.32% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000618 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.15% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.32% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.59% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.59% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.59% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.42% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000620 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000620 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000620 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000621 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000621 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000621 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000622 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000622 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000622 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000623 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.82% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000623 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.82% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000623 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.82% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000623 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.82% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.31% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.84% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.31% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.84% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.31% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.84% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000625 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000625 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000625 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000626 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.23% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000626 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.23% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000626 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.23% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000627 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000627 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000627 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000628 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.69% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.8% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000628 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.69% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.8% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000628 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.69% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.8% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000629 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000629 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000629 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000629 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX ), (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000630 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.63% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000630 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.63% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000630 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.63% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000630 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.63% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000631 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000631 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000631 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000632 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.34% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000632 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.34% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000632 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.34% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000633 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000633 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000633 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.9% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000634 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000634 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000634 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000635 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000635 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000635 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.71% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000636 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000636 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000636 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.76% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000637 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000637 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000637 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000638 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.61% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000638 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.61% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000638 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.61% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000639 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.92% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000639 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.92% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000639 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.92% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.15% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.64% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.64% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.64% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000641 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.09% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000641 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.09% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000641 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.09% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000642 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000642 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000642 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.77% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000643 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000643 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000643 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.2% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000644 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000644 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000644 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.07% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000645 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.97% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000645 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.97% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000645 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.97% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000646 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000646 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000646 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000646 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000647 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000647 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000647 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.45% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.92% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.92% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.92% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.69% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000649 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000649 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000649 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000650 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000650 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000650 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.52% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.5% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.52% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.5% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.52% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.5% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.66% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.66% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. The borrower was not charged an Appraisal fee. | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.66% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.37% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.37% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.37% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000654 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000654 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000654 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000655 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000655 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000655 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.82% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.82% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.82% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. The auditor has uploaded the completed income calculator to the bulletin board. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.78% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. The auditor has uploaded the completed income calculator to the bulletin board. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.78% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. The auditor has uploaded the completed income calculator to the bulletin board. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.78% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | HOA document is missing. File has AVM and Deed of Trust checked PUD rider and XXX 1003 has HOA fee. Requesting for HOA document to verify the monthly dues. | Document Uploaded. Please see the attached third party verification confirming no hoa dues for the subject. | 04/17/2026 | Lender provided attached third party verification confirming no hoa dues for the subject. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.71% is less than Guideline CLTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.71% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.71% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.94% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.94% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.94% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.5% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.5% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.5% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.68% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.68% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.68% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.2% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.2% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.2% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.14% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000664 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | Document Uploaded. Please see attached, flood policy information as requested. | 04/17/2026 | Flood Insurance Policy is fully present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.49% is less than Guideline LTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000664 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.49% is less than Guideline LTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000664 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.49% is less than Guideline LTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.44% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.43% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.44% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.43% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.44% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.43% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000668 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.89% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.91% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000668 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.89% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.91% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000668 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.89% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.91% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.55% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The mortgage was transferred from XXX Mortgage to XXX for the property at XXX; the Verification of Mortgage (VOM) document is missing. | Please see page XXX which confirms the XXX month payment history for the primary mortgage. Please also see page XXX which is the mortgage Statement confirming the payments listed on page XXX are for the same mortgage. | 04/16/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.82% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.82% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.82% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.84% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.82% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Borrower 1 3rd Party VOE Prior to Close or Third Party Verification Document Missing in file. | ; Borrower 1 3rd Party VOE Prior to Close Was Provided. | 04/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | ||||
| GCAT2026CES1000671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.65% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000673 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000673 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000673 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000673 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.81% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.67% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.81% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.67% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.81% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.67% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000675 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.67% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000675 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.67% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000675 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.67% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.36% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000677 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000677 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000677 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.2% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000679 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.09% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000679 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.09% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000679 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.09% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.42% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.42% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.42% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000681 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000681 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000681 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.73% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000683 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.12% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000683 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.12% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000683 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.12% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000684 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000684 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000684 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.42% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.83% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.83% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.83% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.83% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000686 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.66% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.23% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000686 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.66% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.23% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000686 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.66% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.23% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000687 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000687 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000687 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000688 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000688 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000688 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000689 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000689 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000689 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000690 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000690 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000690 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000691 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.17% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000691 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.17% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000691 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.17% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000693 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000693 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000693 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.82% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.61% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.82% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.61% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.82% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.61% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000695 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000695 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000695 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000696 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000696 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000696 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000696 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000697 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.86% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000697 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.86% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000697 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.86% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000698 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.07% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000698 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.07% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000698 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.07% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.33% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000700 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. XXX W2 is required. W2 in file is blank | Document Uploaded. Please see the attached W-2 | 04/17/2026 | Borrower 1 W2/XXX Provided | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000700 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000700 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.96% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000701 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.69% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000701 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.69% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000701 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.69% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000702 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000702 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000702 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.8% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.8% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.8% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.58% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.16% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000707 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000707 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000707 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000707 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.45% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000708 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000708 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000708 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.01% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.93% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000709 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000709 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000709 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.65% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.77% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.77% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.77% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000711 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.15% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.61% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000711 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.15% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.61% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000711 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.15% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.61% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000712 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.66% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000712 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.66% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000712 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.66% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000713 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000713 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000713 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000714 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000714 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000714 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.25% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.32% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.32% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.32% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000717 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.47% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000717 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.47% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000717 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.47% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.37% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000719 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000719 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000719 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.12% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000720 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.59% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000720 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.59% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000720 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.59% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000721 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000721 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000721 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.8% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.8% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.8% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000725 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.73% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.23% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000725 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.73% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.23% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000725 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.73% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.23% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.03% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.03% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.03% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.17% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.17% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.17% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The Flood Certificate county does not match the legal description on title or appraisal. The Correct County name is XXX. The flood certificate indicates county is XXX. Please provide corrected Flood Certificate. | Please see the response to the other exception which should resolve this as well; Please see the recorded mortgage attached that shows it was recorded at XXX. If there was a material issue, it would this likely would have been caught during recording and kicked back. Please escalate for this to be cleared | 05/05/2026 | Flood Certificate is fully present; No Deed of Trust attached. Please upload as the Deed of Trust included in the loan file (page XXX of XXX) shows XXX as the County. | 05/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Deed of Trust has incorrect county within the document. The correct county is XXX per Exhibit A-Legal Description, and the appraisal. Please provide corrected and fully executed deed of trust reflecting the correct county. | Document Uploaded. Please see the email attached from leader on XXXs Collateral team, where he attests the county was updated from XXX to XXX in AMP - XXXs underwriting system. He further States in the email that no additional changes our corrective actions are needed to the Deed of Trust are required as "The Mortgage was also recorded with the correct legal description which also shows XXX. AMP, Appraisal, and legal description all match at this point."; Please see the recorded mortgage attached that shows it was recorded at XXX. If there was a material issue, it would this likely would have been caught during recording and kicked back. Please escalate for this to be cleared | 05/05/2026 | The Deed of Trust is Present and Complete; No Deed of Trust attached. Please upload as the Deed of Trust included in the loan file (page XXX of XXX) shows XXX as the County. | 05/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000730 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000730 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000730 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.1% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (XXX §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.89% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.89% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.89% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.89% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower was qualified using XXX monthly retirement income; however, no supporting documentation is present in the file. The income is reflected on the Final 1003 only. Provide documentation to support the receipt and continuance of retirement income. | Document Uploaded. Please see the XXX attached | 04/22/2026 | Income and Employment Meet Guidelines | 04/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 90% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 90% | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 90% | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.94% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.94% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.94% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000735 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000735 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000735 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.59% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.57% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.57% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.57% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.56% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.61% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.56% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.61% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.56% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.61% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.56% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.61% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000739 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000739 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000739 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000740 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000740 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000740 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000740 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX ), (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.53% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000741 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.15% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000741 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.15% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000741 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.15% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.07% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.07% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.07% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000743 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Missing verification of ID for B2 | Document Uploaded. Please see attached, Id verification form with both borrower's information. This meets the requirement for borrower ID. | 04/20/2026 | Photo Identification provided. Identity verification letter was provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.32% is less than Guideline LTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000743 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Missing verification of ID for B1 | Document Uploaded. Please see attached, Id verification form with both borrower's information. This meets the requirement for borrower ID. | 04/20/2026 | Photo Identification provided. Identity verification letter was provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.32% is less than Guideline LTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000743 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.32% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000743 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.32% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.36% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.36% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.36% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3198 | Compliance | XXX Higher-Priced Mortgage Loan Test | Downgraded to Level XXX compliant. This loan failed the XXX higher-priced mortgage loan test. (Title XXX-A §8A-XXX(XXX)(I) as enacted by PL XXX Chapter XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Consumer Credit Code Truth-in-Lending Provisions hile the XXX Higher-Priced Mortgage Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000746 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000746 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000746 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.49% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.49% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.49% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.48% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.5% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.48% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.5% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.48% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.5% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000751 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000751 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000751 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000752 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.85% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.14% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000752 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.85% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.14% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000752 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.85% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.14% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.53% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. ; Please see the attached Identity verification and acknowledgement certification in lieu of the photocopy of the ID. | 04/17/2026 | Photo Identification provided. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.09% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.09% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.09% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000756 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000756 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000756 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000757 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000757 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000757 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.33% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000758 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.31% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000758 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.31% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000758 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Downgraded to Level XXX compliant. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.31% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000758 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.31% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000759 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000759 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000759 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.2% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.2% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.2% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000762 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.13% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000762 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.13% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000762 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.13% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000763 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000763 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000763 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.41% is less than Guideline LTV of 85% Calculated LTV of 25.41% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.41% is less than Guideline LTV of 85% Calculated LTV of 25.41% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.41% is less than Guideline LTV of 85% Calculated LTV of 25.41% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000765 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000765 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000765 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.2% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.2% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.2% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000767 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.76% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.81% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000767 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.76% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.81% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000767 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.76% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.81% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000768 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.57% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000768 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.57% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000768 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.57% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.64% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000769 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.28% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000769 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.28% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000769 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.28% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000770 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.35% is less than Guideline CLTV of 90% Calculated CLTV of 40.35% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.27% is less than Guideline LTV of 90% Calculated LTV of 13.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000770 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.35% is less than Guideline CLTV of 90% Calculated CLTV of 40.35% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.27% is less than Guideline LTV of 90% Calculated LTV of 13.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000770 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.35% is less than Guideline CLTV of 90% Calculated CLTV of 40.35% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.27% is less than Guideline LTV of 90% Calculated LTV of 13.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000771 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The borrower's total DTI ratio exceeds the maximum allowable XXX% currently calculated at XXX%. The first mortgage payment was calculated at $XXX. However, the most recent mortgage Statement reflects a P&I payment of $XXX. Provide updated file to reflect the accurate P&I payment and recalculate the DTI accordingly. | Document Uploaded. Please see the attached updated 1003/XXX. Please downgrade this exception with compensating factors: XXX Borrower is receiving pension/IRA income that is set to continue for life and supported with XXX years continuance XXX Loan is a debt consolidation which is reducing borrower monthly debt by XXX Clean mortgage history since XXX and no lates on any credit report account | 04/21/2026 | Per Lender - Please see the attached updated 1003/XXX. Please downgrade this exception with compensating factors: XXX Borrower is receiving pension/IRA income that is set to continue for life and supported with XXX years continuance XXX Loan is a debt consolidation which is reducing borrower monthly debt by XXX Clean mortgage history since XXX and no lates on any credit report account | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.22% is less than Guideline LTV of 80% | C | B | C | B | C | B | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |
| GCAT2026CES1000771 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.22% is less than Guideline LTV of 80% | C | B | A | A | C | B | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000771 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.22% is less than Guideline LTV of 80% | C | B | A | A | C | B | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000771 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.22% is less than Guideline LTV of 80% | C | B | A | A | C | B | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.49% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.49% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.49% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.13% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000773 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000773 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000773 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000774 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 90% Calculated LTV of 11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.53% is less than Guideline CLTV of 90% Calculated CLTV of 71.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000774 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 90% Calculated LTV of 11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.53% is less than Guideline CLTV of 90% Calculated CLTV of 71.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000774 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 90% Calculated LTV of 11% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.53% is less than Guideline CLTV of 90% Calculated CLTV of 71.53% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.87% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000776 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000776 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000776 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000777 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000777 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000777 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000777 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000778 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.84% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000778 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.84% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000778 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.84% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000779 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000779 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000779 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000780 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000780 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000780 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000781 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | The taxpayer first act disclosure is on the 1003 authorizations, above the borrower signature on line XXX No separate disclosure is required. | 04/20/2026 | Taxpayer First Act Disclosure is provided. Confirmed the lender advises the details on the application are acceptable. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.31% is less than Guideline CLTV of 80% | B | A | B | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000781 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Rescinded | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | 1st TD mortgage is not rated on the credit report with XXX #XXX | This is an invalid exception. The mortgage does not need to be rated on the credit report, it is the mortgagor perogative who they report credit information to. We have provided XXX months bank Statement and a mortgage Statement to verify who the mortgage is through, and the borrowers total obligation. | 04/20/2026 | Re-reviewed and confirmed. The mortgage does not need a rating. | 04/20/2026 | B | A | A | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | ||
| GCAT2026CES1000781 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.31% is less than Guideline CLTV of 80% | B | A | A | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000781 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.31% is less than Guideline CLTV of 80% | B | A | A | A | B | A | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000782 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000782 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000782 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000783 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000783 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000783 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000783 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.2% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000784 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000784 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000784 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000786 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000786 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000786 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000786 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.43% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000789 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000789 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000789 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000790 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000790 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000790 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000790 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.83% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000791 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.19% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000791 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.19% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000791 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.19% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000792 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000792 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000792 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000793 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.93% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000793 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.93% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000793 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.93% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000793 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.93% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000794 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000794 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000794 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000795 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.57% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000795 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.57% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000795 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.57% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.74% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.74% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.74% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.31% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000798 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000798 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000798 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000799 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000799 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000799 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.74% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.74% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.74% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.45% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.45% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.71% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.45% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000803 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.44% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000803 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.44% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000803 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.44% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.15% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.15% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.15% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000805 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2838 | Compliance | XXX HOEPA Higher-Priced Mortgage Loan Test | This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.72% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000805 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.72% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000805 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.72% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000805 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.72% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.32% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.94% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.94% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.94% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000808 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000808 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000808 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000809 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000809 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000809 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000810 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000810 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000810 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.6% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000811 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.03% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000811 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.03% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000811 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.03% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.31% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000813 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000813 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000813 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000814 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing supporting documentation for HOA dues XXX | Document Uploaded. Please see the screen shot and link attached from XXX supporting the XXX in HOA dues for subject property XXX. XXX was conservative and used XXX in HOA dues but a corrected 1003 and XXX should not be required as it does not change DTI more than XXX% XXX | 04/21/2026 | Lender provided screenshot showing No HOA fee; however XXX HOA fee is used as more conservative. | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000814 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000814 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000815 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000815 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000815 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.4% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000817 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing | Document Uploaded. Please see attached; Please review pg XXX which contains the e-signed 4506C | 05/05/2026 | Borrower 1 Executed XXX-T Provided; The XXX-C on page XXX is for B2. The XXX-C for B1 is still Missing. Please provide. | 05/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000817 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000817 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000818 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000818 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000818 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000819 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000819 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000819 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.55% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.55% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.55% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000821 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.59% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000821 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.59% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000821 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.59% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000822 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000822 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000822 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000822 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000823 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000823 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000823 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000824 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000824 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000824 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000825 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.68% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000825 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.68% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000825 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.68% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000825 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.68% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000826 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.44% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000826 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.44% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000826 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.62% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.44% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000827 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000827 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000827 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000827 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000828 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000828 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000828 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000829 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000829 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000829 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.78% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.5% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.86% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.53% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.53% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.53% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000833 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000833 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000833 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000833 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000834 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.89% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000834 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.89% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000834 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.89% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.11% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000836 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.45% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000836 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.45% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000836 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.45% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000837 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.81% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.8% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000837 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.81% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.8% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000837 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.81% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.8% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000838 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000838 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000838 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.33% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000839 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.4% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000839 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.4% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000839 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.4% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.37% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.37% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.37% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000841 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000841 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000841 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.4% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.4% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.4% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000844 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.81% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000844 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.81% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000844 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.44% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.81% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.27% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.27% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.27% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.27% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000846 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000846 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000846 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000847 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.51% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000847 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.51% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000847 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.51% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.21% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.21% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.21% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000849 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.07% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000849 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.07% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000849 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.07% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.34% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.05% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.34% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.05% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.34% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.05% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000851 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.76% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000851 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.76% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000851 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.76% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000852 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000852 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000852 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.83% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000855 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000855 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000855 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.84% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000856 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. W2 in file is blank | Document Uploaded. Please see attached w2 | 04/21/2026 | Borrower 1 W2/XXX Provided | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.13% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.07% is less than Guideline CLTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000856 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.13% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.07% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000856 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.13% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.07% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000857 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.24% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000857 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.24% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000857 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.24% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.83% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.94% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.94% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.94% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.37% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.7% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000862 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000862 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000862 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000863 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000863 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000863 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000865 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000865 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000865 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000866 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000866 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000866 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000867 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000867 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2502 | Compliance | XXX Nonprime Home Loan Test | HPML compliant. This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000867 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000867 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000868 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000868 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000868 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE6618 | Credit | Borrower information on 1003 is incomplete | Final 1003 indicates B's have occupied subject property as Primary Residence for XXX years. Transaction submitted as a second home and LOX provided indicates the same. However, Lender did not document B's current primary address and any housing expenses. | Document Uploaded. The subject transaction was converted to second home and the borrowers are under contract for a new primary. Please see the attached non subject LE, and revised 1003/XXX including the new primary housing expense. | 04/20/2026 | Received updated documentation (XXX/1003/Loan Estimate) were provided. | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000870 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000870 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000870 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.56% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000871 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.93% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000871 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.93% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000871 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.93% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000872 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.62% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.94% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000872 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.62% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.94% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000872 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.62% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.94% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000872 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.62% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.94% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000873 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000873 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000873 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000874 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000874 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000874 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000874 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.09% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.09% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.09% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.62% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000876 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000876 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000876 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000877 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.97% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000877 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.97% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000877 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.14% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.97% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000878 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000878 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000878 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.46% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000880 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000880 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000880 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000881 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000881 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000881 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.33% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.09% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.09% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.91% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.09% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000884 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000884 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000884 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000885 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000885 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000885 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000886 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% Calculated CLTV of 64.97% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 85% Calculated LTV of 25.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000886 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% Calculated CLTV of 64.97% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 85% Calculated LTV of 25.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000886 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% Calculated CLTV of 64.97% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 85% Calculated LTV of 25.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.08% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.08% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.08% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000888 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.36% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000888 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.36% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000888 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.36% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.34% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.78% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000890 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000890 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000890 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.31% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000891 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000891 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000891 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000892 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000892 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000892 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000893 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.91% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000893 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.91% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000893 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.91% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000893 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.91% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.4% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000895 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000895 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. XXX Subprime requirements met | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000895 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000895 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000896 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.96% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000896 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.96% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000896 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.96% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.29% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000897 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000897 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000897 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000898 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Subject Property is SFR, HOA getting collected at XXX per monthnth, no supporting doc available. | The HOA dues used were a conservative estimate of DTI. It can be removed as the documentation confirms there are no HOA dues in reality. ; Document Uploaded. | 04/21/2026 | Lender confirmed - The HOA dues used were a conservative estimate of DTI. Left the XXX HOA fee in the DTI calculation.; Received a copy of the property hub report pulled for the subject property. HOA Dues are not collected per the report; but the lender included a XXX fee. Please confirm if these fees should be removed from the calculation based on the updated documentation. | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.81% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000898 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.81% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000898 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.81% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000899 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.15% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000899 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.15% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000899 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.15% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000900 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.2% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000900 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.2% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000900 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.2% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000901 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000901 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000901 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.09% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000902 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.44% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000902 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.44% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000902 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.44% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000903 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000903 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000903 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.68% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.68% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.68% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.67% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000905 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Using the XXX per month HOA amount listed on the Appraisal increases the DTI to XXX%. No document included in the loan file to support the lower $XXX/HOA listed on the XXX Please provide an HOA document for subject property confirming the lower payment of XXX to stay within the XXX% DTI max guideline. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.29% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000905 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | HOA fee of XXX per month used to qualify does not match up to appraisal stating XXX per year. Missing documentation of actual HOA fee for subject property confirming the lower payment. DTI discrepancy may be issued if additional documentation is not available. | The HOA dues were left higher than the documentation required. It was done as a conservative estimate of DTI. | 04/21/2026 | HOA corrected to $XXX/annual; finding resolved.; ; Using the XXX per month HOA amount listed on the Appraisal increases the DTI to XXX%. No document included in the loan file to support the lower $XXX/HOA listed on the XXX Please provide an HOA document for subject property confirming the lower payment of XXX to stay within the XXX% DTI max guideline. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.29% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000905 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.29% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000905 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.29% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000906 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000906 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000906 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.77% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000907 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000907 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000907 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000908 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.96% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.12% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000908 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.96% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.12% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000908 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.96% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.12% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000909 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.36% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000909 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.36% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000909 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.36% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000910 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.93% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.61% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000910 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.93% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.61% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000910 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.93% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.61% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000911 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000911 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000911 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000912 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000912 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000912 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.13% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.84% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.24% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000914 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender has included the entire 1st lien PITI as the "Second Mortgage P&I in the "Total Primary Housing Expense" calculated on the XXX in the loan file images, double counting Taxes and Insurance amounts. A corrected/updated F1008 will need to be provided with a valid Back End DTI for comparison with Review value of XXX%. | Unable to Resolve-seller accepts; no change to grading. | 04/24/2026 | Acknowledged as 2/B grading per client request. | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.01% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.79% is less than Guideline LTV of 85% | B | B | B | B | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |
| GCAT2026CES1000914 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.01% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.79% is less than Guideline LTV of 85% | B | B | A | A | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000914 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.01% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.79% is less than Guideline LTV of 85% | B | B | A | A | B | B | A | A | A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | |||
| GCAT2026CES1000915 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 24.3% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000915 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 24.3% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000915 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.4% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 24.3% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000916 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000916 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000916 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000917 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000917 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000917 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000918 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000918 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000918 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.21% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.75% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.75% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.75% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000920 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.1% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000920 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.1% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000920 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.1% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000921 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000921 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000921 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000922 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.69% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000922 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.69% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000922 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.58% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.69% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000923 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000923 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000923 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000924 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000924 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000924 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.68% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.68% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.68% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing. HOA Questionnaire Missing to determine warrantability. | Document Uploaded. Please see the attached questionnaire. | 04/20/2026 | HOA Questionnaire Provided. A copy of the condo questionnaire was provided. | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | B | A | D | A | A | A | B | B | N/A | A | D | B | D | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. In this Loan File XXX Document Header is Cropped | Document Uploaded. Please see the attached XXX | 04/20/2026 | Approval/Underwriting Summary is fully present. A full copy of the XXX was provided. | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | B | A | D | A | A | A | B | B | N/A | A | D | B | D | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.06% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | B | A | D | A | A | A | B | B | N/A | A | D | B | D | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000927 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000927 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000927 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000927 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000928 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000928 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000928 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000928 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000929 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.15% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000929 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.15% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000929 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.15% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000930 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.03% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000930 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.03% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000930 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.03% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000932 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000932 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000932 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000933 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000933 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000933 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000933 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.18% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000934 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000934 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000934 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000935 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000935 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000935 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.47% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 3.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000936 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000936 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000936 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000937 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000937 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000937 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000938 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000938 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000938 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000940 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000940 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000940 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000941 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.19% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000941 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.19% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000941 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.19% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000942 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.1% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000942 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.1% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000942 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.1% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000943 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.3% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000943 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.3% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000943 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.3% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.32% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000944 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000944 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000944 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.05% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000945 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.01% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000945 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.01% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000945 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.01% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000946 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.79% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000946 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.79% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000946 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.79% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000947 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.42% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000947 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.42% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000947 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.42% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000948 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.82% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.05% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000948 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.82% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.05% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000948 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.82% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.05% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000948 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.82% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.05% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.39% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.39% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.39% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. B1 - XXX Business - VVOE was not within timing requirements. | Document Uploaded. Please see the attached, the documentation on page XXX shows all information required by guidelines, and there is no timing requirement. | 04/20/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1000950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.01% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.48% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.48% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.48% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.3% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.67% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.55% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.83% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.83% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.83% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.17% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.73% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.73% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.73% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000958 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.21% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.36% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000958 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.21% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.36% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000958 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.21% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.36% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000960 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.28% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000960 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.28% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000960 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.28% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.42% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.42% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.42% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.4% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.28% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.28% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.62% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.28% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000964 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.48% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000964 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.48% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000964 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.48% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000965 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.74% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000965 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.74% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000965 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.74% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000966 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 90% Calculated LTV of 23.1% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.92% is less than Guideline CLTV of 90% Calculated CLTV of 51.92% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000966 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 90% Calculated LTV of 23.1% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.92% is less than Guideline CLTV of 90% Calculated CLTV of 51.92% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000966 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.1% is less than Guideline LTV of 90% Calculated LTV of 23.1% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.92% is less than Guideline CLTV of 90% Calculated CLTV of 51.92% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000967 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000967 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000967 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 85% Calculated LTV of 16.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.55% is less than Guideline CLTV of 85% Calculated CLTV of 66.55% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 85% Calculated LTV of 16.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.55% is less than Guideline CLTV of 85% Calculated CLTV of 66.55% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.74% is less than Guideline LTV of 85% Calculated LTV of 16.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.55% is less than Guideline CLTV of 85% Calculated CLTV of 66.55% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000969 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.82% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000969 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.82% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000969 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.82% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.12% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000971 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000971 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000971 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.78% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000972 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000972 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000972 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000973 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.54% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000973 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.54% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000973 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.54% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000974 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.78% is less than Guideline LTV of 85% Calculated LTV of 14.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000974 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.78% is less than Guideline LTV of 85% Calculated LTV of 14.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000974 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.78% is less than Guideline LTV of 85% Calculated LTV of 14.78% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000975 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000975 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000975 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000976 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.33% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000976 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.33% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000976 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.33% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000976 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.8% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.33% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000977 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000977 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000977 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000978 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000978 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000978 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000979 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000979 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000979 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000980 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000980 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000980 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.74% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000981 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000981 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000981 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000982 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000982 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000982 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000983 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.48% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000983 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.48% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000983 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.48% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000983 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.48% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000984 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000984 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000984 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.51% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000985 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000985 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000985 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000986 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000986 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000986 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.95% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000987 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000987 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000987 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.05% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000988 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.95% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000988 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.95% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000988 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.41% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.95% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000989 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.16% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000989 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.16% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000989 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.16% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000990 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000990 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000990 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000991 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000991 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000991 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000992 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.52% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000992 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.52% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000992 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.52% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000993 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.1% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000993 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.1% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000993 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.1% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000994 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.41% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000994 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.41% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000994 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.41% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.76% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000995 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.79% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000995 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.79% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000995 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.79% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000996 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000996 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000996 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.61% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000997 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000997 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000997 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.24% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000998 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000998 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000998 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000999 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.15% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000999 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. HPML Compliant - Subprime verbiage present on mortgage and XXX High Cost Loan XXX Disclosure on Page XXX | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.15% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000999 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.15% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1000999 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 4.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.15% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001000 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001000 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001000 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001001 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001001 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001001 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.84% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001002 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.72% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.88% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001002 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.72% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.88% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001002 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.72% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.88% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001003 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001003 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001003 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.3% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.24% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001004 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001004 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001004 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001005 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001005 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001005 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.14% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001006 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001006 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001006 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001007 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001007 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001007 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.41% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.65% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.41% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.41% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.41% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001010 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001010 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001010 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.42% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.29% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.7% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001013 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.05% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001013 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.05% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001013 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.05% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001014 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001014 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001014 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.77% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001015 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001015 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001015 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.27% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.9% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001016 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.42% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001016 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.42% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001016 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.42% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001017 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.24% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.57% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001017 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.24% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.57% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001017 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.24% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.57% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001018 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001018 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001018 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001019 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001019 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001019 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.53% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001020 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.9% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001020 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.9% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001020 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.9% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001021 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.45% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001021 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.45% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001021 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.45% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.89% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001022 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001022 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001022 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.57% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.39% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001024 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001024 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3198 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (Title XXX-A §8A-XXX(XXX)(I) as enacted by PL XXX Chapter XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Consumer Credit Code Truth-in-Lending Provisions hile the XXX Higher-Priced Mortgage Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001024 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001024 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001025 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.92% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001025 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.92% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001025 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.92% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.36% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001026 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001026 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001026 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.96% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001027 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001027 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001027 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001027 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.25% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001028 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.98% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001028 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.98% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001028 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.25% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.98% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001029 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.46% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001029 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.46% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001029 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.34% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.46% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001030 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.91% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.01% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001030 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.91% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.01% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001030 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.91% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.01% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001031 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.74% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001031 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.74% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001031 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.74% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001032 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.89% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001032 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.89% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001032 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.89% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.56% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001033 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001033 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001033 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001034 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001034 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001034 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.47% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001035 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.88% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001035 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.88% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001035 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.88% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001036 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001036 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001036 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.04% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001037 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001037 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001037 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.64% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001038 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001038 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001038 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001039 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.77% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001039 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.77% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001039 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.77% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.31% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.31% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.31% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001041 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001041 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001041 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.98% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.27% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001042 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001042 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001042 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.1% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001044 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Rescinded | finding-710 | Compliance | XXX Constitution A6 Required Fees Test | Documentation required: Please provide either the undiscounted rate or the XXX discount point fee disclosure to confirm that points were for bona fide purposes This loan failed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | Please see the attached confirmation of the undiscounted rate and the rate adjustors added to the borrower's chosen rate. | 04/22/2026 | Undiscounted rate found in file; exception resolved; Undiscounted rate found in file; exception resolved | 04/24/2026 | C | A | C | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | ||
| GCAT2026CES1001044 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.4% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.66% is less than Guideline CLTV of 85% | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001044 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.4% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.66% is less than Guideline CLTV of 85% | C | A | A | A | A | A | A | A | C | A | C | A | N/A | C | C | A | A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.63% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001046 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.96% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001046 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.96% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001046 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.96% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001047 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.65% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001047 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.65% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001047 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.27% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.65% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001048 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.49% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.17% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001048 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.49% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.17% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001048 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | credit issue The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.49% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.17% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001049 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.47% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001049 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.47% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001049 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.4% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.47% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001050 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.69% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.72% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001050 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.69% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.72% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001050 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.69% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.72% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001051 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001051 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001051 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.17% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.1% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001053 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.5% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001053 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.5% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001053 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.5% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001054 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001054 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001054 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.77% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001055 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001055 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001055 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001056 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001056 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001056 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.7% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001057 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.1% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001057 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.1% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001057 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.1% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001059 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001059 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001059 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.01% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001060 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.74% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001060 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.74% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001060 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.15% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.74% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001061 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.36% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001061 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.36% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001061 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.36% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001062 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE1360 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing. Missing paystub for B2. For B2, the hire date is XX/XX/XXXX; however, there are no recent employment documents available. Only the XXX W-XXX was provided, and the required XXX and XXX documents are missing. Income has been qualified based on the lender’s calculation. | Document Uploaded. Please see the attached W-2. ; Document Uploaded. please see attached | 05/14/2026 | Lender provided paystubs, and W2's for Borrower 2. Condition cleared.; The attached paystub and XXX W2 is for B1, still Missing paystub(s) and 2025W2 for B2. Please provide. | 05/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001062 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001062 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001062 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001063 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.44% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001063 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.44% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001063 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.44% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001064 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001064 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001064 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.4% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.4% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.86% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.4% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001066 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.03% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001066 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.03% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001066 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.98% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.03% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001067 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.92% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001067 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.92% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001067 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.92% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE1178 | Credit | Other Property Insurance Policy Effective Date is after the Disbursement date | The Earthquake Insurance provided Effective Date of XX/XX/XXXX is after the Disbursement date of XX/XX/XXXX. Please provide coverage effective XX/XX/XXXX or prior. | Document Uploaded. Please see a screenshot of our internal servicing screen. The highlighted line is the XXX with an expiration date of XX/XX/XXXX. As it is an annual policy, the highlighted policy was in place at close | 04/23/2026 | Other Property Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement date of XX/XX/XXXX Or Other Property Insurance Policy Effective Date Is Not Provided | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | D | A | C | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX is checked in the Final CD but there is no documentation provided in the file. There is a mismatch in the HOI premium as the document Statement XXX per month, but the XXX and final CD States XXX per month. The Other earthquake insurance document is missing. | Document Uploaded. Please see the attached insurance dec page including hazard and earthquake coverage for a total of XXX annually. | 04/21/2026 | Other (XXX coverage effective XX/XX/XXXX) provided. | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001069 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.34% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001069 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.34% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001069 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.34% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001070 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.11% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001070 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.11% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001070 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.11% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.64% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001072 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001072 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001072 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.07% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.76% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001074 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001074 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001074 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001075 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001075 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001075 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001076 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001076 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001076 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.36% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001077 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001077 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001077 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.77% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001078 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.76% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001078 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.76% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001078 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.76% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001079 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.83% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001079 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.83% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001079 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.83% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001080 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.74% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001080 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.74% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001080 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.74% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.78% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001081 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.06% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001081 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.06% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001081 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.32% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.06% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001082 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001082 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001082 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.04% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.44% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001083 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001083 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001083 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.02% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001084 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.78% is less than Guideline LTV of 85% Calculated LTV of 10.78% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 85% Calculated CLTV of 64.23% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001084 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.78% is less than Guideline LTV of 85% Calculated LTV of 10.78% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 85% Calculated CLTV of 64.23% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001084 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.78% is less than Guideline LTV of 85% Calculated LTV of 10.78% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 85% Calculated CLTV of 64.23% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.34% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.34% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.34% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.51% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.05% is less than Guideline CLTV of 80% Calculated CLTV of 68.05% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.47% is less than Guideline LTV of 80% Calculated LTV of 13.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.05% is less than Guideline CLTV of 80% Calculated CLTV of 68.05% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.47% is less than Guideline LTV of 80% Calculated LTV of 13.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.05% is less than Guideline CLTV of 80% Calculated CLTV of 68.05% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.47% is less than Guideline LTV of 80% Calculated LTV of 13.47% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2838 | Compliance | XXX HOEPA Higher-Priced Mortgage Loan Test | This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.75% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.75% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.75% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.75% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.08% is less than Guideline CLTV of 80% Calculated CLTV of 63.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 80% Calculated LTV of 14.71% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.08% is less than Guideline CLTV of 80% Calculated CLTV of 63.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 80% Calculated LTV of 14.71% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.08% is less than Guideline CLTV of 80% Calculated CLTV of 63.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 80% Calculated LTV of 14.71% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 80% Calculated LTV of 10.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 80% Calculated CLTV of 63.25% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 80% Calculated LTV of 10.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 80% Calculated CLTV of 63.25% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.39% is less than Guideline LTV of 80% Calculated LTV of 10.39% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 80% Calculated CLTV of 63.25% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.6% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.43% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.43% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.43% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.08% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.48% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.48% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.48% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.74% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.43% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.43% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.04% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.43% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.58% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.58% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.28% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.58% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.52% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.52% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.52% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.02% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.42% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.42% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.52% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.42% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.76% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.76% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.76% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.46% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.97% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.97% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.97% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.86% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.86% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.86% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.86% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.7% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.42% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. The third party VOE obtained within XXX days prior to closing does not reflect the date verification. Provide an updated VOE including the verification date to confirm compliance with lender guidelines. Last paystub dated outside of XXX days of closing. | Document Uploaded. Please see attached VOE. | 04/27/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).; Borrower 2 3rd Party VOE Prior to Close Missing. | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.89% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.89% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.89% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.29% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.29% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.55% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.29% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.42% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.42% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.42% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.05% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.05% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.05% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.93% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.93% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.36% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.93% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001121 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Updated verification is required. License in file status is past due with a next due date of XX/XX/XXXX | Please be advised this was obtained the same day it was uploaded on XX/XX/XXXX, as mentioned post-close verification is allowable on QM loans.; Document Uploaded. Please see attached confirmation the XXX of State of XXX shows the business is active. Please note this was obtained same day as upload, self-employment verification is allowed to be obtained post-close on QM loans which this is. | 04/29/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Documentation received is not dated. Please provide a dated reverification of the Borrower's business confirming active. Thank you. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001121 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001121 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. HPML Compliant - Subprime verbiage present on mortgage; XXX High Cost Loan XXX Disclosure on Page XXX | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001121 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001123 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001123 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001123 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.51% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.86% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001125 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001125 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001125 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.4% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.6% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.39% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.39% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.45% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.39% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.15% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.15% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.15% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.33% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.62% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.87% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.87% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.87% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.18% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.53% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.53% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.53% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.53% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.82% is less than Guideline CLTV of 90% CLTV is XXX% - LM is not updating based on the 1st lien UPB XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.91% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.82% is less than Guideline CLTV of 90% CLTV is XXX% - LM is not updating based on the 1st lien UPB XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.91% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.82% is less than Guideline CLTV of 90% CLTV is XXX% - LM is not updating based on the 1st lien UPB XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.91% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.68% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.68% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.68% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.73% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001136 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.87% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001136 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.87% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001136 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.87% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.15% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.15% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.93% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.15% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.79% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.18% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.18% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.64% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.18% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.55% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.55% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.55% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001141 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.34% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001141 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.34% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001141 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.07% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.34% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.33% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.33% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.33% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.1% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.6% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.6% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.76% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.6% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.96% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.99% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. In Title document effective date is incorrectly mentioned as January XXX on page XXX | Document Uploaded. Please see attached, title document with corrected date | 04/23/2026 | Documentation is sufficient. Title Search provided. Exception resolved.; Title Document is fully Present. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.79% is less than Guideline LTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.79% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.79% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001148 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001148 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001148 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.24% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.6% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.6% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.6% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.41% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.16% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Borrower is identified as a permanent resident alien; however, supporting documentation is not included in the file. Provide evidence of permanent resident status. The following documentation is acceptable Valid Permanent Resident card to satisfy eligibility requirements. | Document Uploaded. The borrowers birth cert is attached confirming their XXX. | 04/24/2026 | Documentation is sufficient. XXX Birth Certificate provided. Exception resolved.; Borrower Identification Document provided. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.22% is less than Guideline LTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.4% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.4% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.4% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.05% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.22% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.05% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.22% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.05% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.22% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.55% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.04% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.11% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.11% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.11% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.8% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.67% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.97% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.58% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Rescinded | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Limited review and FNMA approval not present but no condo questionnaire to determine warrantability. | ; Condo Approval is provided. | 04/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | ||||
| GCAT2026CES1001162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | XXX Subprime Language is on page XXX of the Mortgage and XXX Subprime Home Loan XXX Disclosure is in file on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001164 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001164 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001164 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. ( XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.25% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.88% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.74% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.34% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.34% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.61% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.34% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.05% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.3% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.61% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.61% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.61% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.93% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.51% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.51% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.51% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing all pages of title search. | Document Uploaded. Please see the title insurance wrapper and property report that are used in place of the title commitment on the Closed End Second product | 04/24/2026 | Documentation is sufficient. Title Search provided. Exception resolved.; Title Document is fully Present. | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | N/A | A | D | D | A | A | D | D | N/A | A | D | D | N/A | A | D | D | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.37% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.37% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.37% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001175 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001175 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001175 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.96% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.95% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.13% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.12% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001177 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001177 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001177 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.26% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001179 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.57% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001179 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.57% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001179 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.57% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.29% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.78% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.72% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.33% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.97% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.19% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.19% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.19% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.63% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.57% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001187 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001187 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001187 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.66% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.3% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.3% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Informational | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.3% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001189 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001189 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001189 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001189 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.86% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.16% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.55% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.95% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.95% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.25% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.95% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001193 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.01% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001193 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.01% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001193 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.01% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001194 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.32% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.15% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001194 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.32% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.15% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001194 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.32% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.15% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001195 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.61% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001195 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.61% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001195 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.61% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.03% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001196 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.49% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001196 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.49% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001196 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.49% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001197 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001197 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001197 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001198 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.08% is less than Guideline LTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001199 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.98% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | D | A | D | D | N/A | D | D | D | A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001199 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | First mortgage P&I payment of XXX reflected on the XXX and first lien unpaid principal balance of XXX reflected on the final application were used to qualify. Please provide documentation to support the amounts used in qualifying. | Good afternoon, | | The attached Mtg Statement for the subject property reflects the correct amounts. The Principal Balance shows XXX (rounded up is XXX) and the principal amount shown of XXX + the interest shown of XXX = $XXX. ; Mtg Statement | 05/26/2026 | Documentation is sufficient. Mortgage Statement provided. Exception resolved.; ; On the XXX First Mortgage XXX Subordinate Lien XXX Homeowner's insurance XXX Property Taxes XXX Association dues $XXX. XXX in the amount of $XXX. Please provide and LOE and documentation for this mortgage. Condition retained. | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.98% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | D | A | D | D | N/A | D | D | D | A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001199 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | Notice of Right to Cancel | 05/22/2026 | Right of Rescission is Provided | 05/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.98% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | D | A | D | D | N/A | D | D | D | A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001200 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 05/18/2026 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. HPML compliant | Lender guide permit HPML loans on 2nd liens. Full appraisal provided. | 05/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 85% Calculated LTV of 14.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.26% is less than Guideline CLTV of 85% Calculated CLTV of 74.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001200 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 05/18/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 2nd Lien. Appraisal requirement met- HPML compliant | Lender guidelines permit HPML loan on second liens. Full appraisal provided. | 05/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 85% Calculated LTV of 14.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.26% is less than Guideline CLTV of 85% Calculated CLTV of 74.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | A | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001200 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.71% is less than Guideline LTV of 85% Calculated LTV of 14.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.26% is less than Guideline CLTV of 85% Calculated CLTV of 74.26% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | N/A | B | C | C | A | B | C | C | N/A | B | C | C | N/A | B | C | C | N/A | B | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001201 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the AVM Fee from XXX on the initial LE dated XX/XX/XXXX, to XXX on the revised LE dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | COC and CD XXX; LE & COC XX/XX/XXXX | 05/19/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not give a reason for the increase in AVM fee. Please provide clarification on "AVMs added" | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.88% is less than Guideline LTV of 85% Calculated LTV of 21.88% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001201 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.88% is less than Guideline LTV of 85% Calculated LTV of 21.88% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001201 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | PCCD for Funding Date | 05/07/2026 | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 05/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.88% is less than Guideline LTV of 85% Calculated LTV of 21.88% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | C | A | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001202 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to $XXX or the Recording Fee on the CD XX/XX/XXXX. COC dated XX/XX/XXXX, however it did not mention the increase in the recording fee or provide a reason. | Please see attached pay history showing PR ; Please see attached; Good morning, it looks like we received a title bill on XX/XX/XXXX for the $XXX loan amount and matched the fees to that when requesting the COC that went out on XXX/XXX. Please let XXX know if you need anything else to cure the condition. | | ; Hi- on the COC done on XX/XX/XXXX the recording fee was increased with the changes, but it wasn’t specifically mentioned it just says fees were updated- if we update the COC form to specifically say the increase of recording fees will that be acceptable? | 05/01/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing proof of principal reduction in order to downgrade; Receipt of a title invoice is not considered a valid reason for recording fees to increase, please provide clarification ; COC would be accepted as long States the fee that was increased and provides a valid reason for the increase in recording fee. | 05/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.38% is less than Guideline LTV of 89.99% Calculated LTV of 32.38% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | B | C | B | C | A | A | A | C | B | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |
| GCAT2026CES1001202 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 04/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.38% is less than Guideline LTV of 89.99% Calculated LTV of 32.38% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | B | C | A | C | A | A | A | C | B | C | C | N/A | C | C | C | A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | B | A | N/A | B | B | A | A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | |||
| GCAT2026CES1001203 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 05/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.5% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001204 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.73% is less than Guideline LTV of 89.99% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001205 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.01% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001206 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/08/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.54% is less than Guideline LTV of 85% Calculated LTV of 10.54% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |||
| GCAT2026CES1001206 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing supporting documentation for other payment in the amount of XXX included in the subject's PITI. Please provide supporting documents verifying other payment of $XXX. | Property tax ecrow clafication | 06/04/2026 | Lender provided clarification. Current escrow payment XXX - XXX actual HOI - XXX actual taxes = XXX difference. Condition cleared. ; Borrower 1 Credit Report is not partially present. | 06/05/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.54% is less than Guideline LTV of 85% Calculated LTV of 10.54% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | |
| GCAT2026CES1001207 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 05/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | N/A | A | C | C | A | A | C | C | N/A | A | C | C | N/A | A | C | C | N/A | A | A | A | N/A | A | A | A | A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |