Exhibit 99.9
| Exception Grades |
| Run Date - 9/16/2026 12:14:46 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000001 | 36734587 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000001 | 36734588 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000001 | 36734589 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000001 | 36734590 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require a [redacted]month housing history and the current existing senior lien was not opened until [redacted]with the credit report only reporting [redacted]months and a prior consecutive mortgage was not found. Borrower acquired the subject property on [redacted] per title. Please provide prior history to verify the additional months required or evidence the borrower did not have a mortgage at the time of the senior lien opened on [redacted]. | Reviewer Comment (2026-04-16): Documentation provided verifying the most recent months mortgage history on the credit report is accurate. Exception cleared. Buyer Comment (2026-04-14): Please see the attached history supporting the evidence shown on the credit report. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000002 | 36734593 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Buyer Comment (2026-04-14): Seller acknowledges the exception, no change to grading. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000002 | 36734594 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000002 | 36734596 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000003 | 36734599 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000003 | 36734600 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000003 | 36734601 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000003 | 36734602 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Buyer Comment (2026-04-14): Seller acknowledges the exception, no change to grading. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000004 | 36734603 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000004 | 36734604 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000005 | 36734608 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000005 | 36734609 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000005 | 36734610 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000006 | 36734612 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000006 | 36734613 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000006 | 36734614 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734616 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-05-05): Received the final loan application. Exception cleared. Buyer Comment (2026-05-05): Please see the attached final 1003. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734617 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-05-05): Received the Security Instrument. Exception cleared. Buyer Comment (2026-05-05): Please see the attached note and mortgage. |
05/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734618 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734619 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734620 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734621 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-05): Received the final Closing Disclosure. Exception cleared. |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734623 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | This exception will be further reviewed upon receipt of the Final Closing Disclosure. | Reviewer Comment (2026-06-01): Rate set override completed based on lender attestation. Exception cleared. Buyer Comment (2026-05-28): Please see the attached attestation. Reviewer Comment (2026-05-15): Response from client's question to [redacted]: From guidance of [redacted]outside counsel, [redacted]requires an attestation for extension of rate. Our guidance states the following: …In the event the seller or client provides information or documentation indicating that the creditor exercised discretion in setting or re-setting the rate at a later time before consummation, the most recent rate lock/extension may be used as the rate-set date provided there is written documentation and the rate at re-set matches the Note rate at consummation. Reviewer Comment (2026-05-13): Attestation was not provided. Exception remains. Buyer Comment (2026-05-11): Please be advised that an attestation is not required as stated in the exception comments regulation allows for this. Reviewer Comment (2026-05-07): Compliance response - In order to use the later date for the APOR index, we would need an attestation from the lender stating that they exercised discretion in resetting the rate at a later date (with the date specified and aligning with rate lock documentation in file). While [redacted]has been advised by its counsel to use the Reg Z approach by default, we acknowledge there is an alternate approach under Reg C (HMDA) that may also be leveraged in certain situations. Under the Reg C approach, ". . .if a rate is reset after a lock-in agreement is executed (for example, because the borrower exercises a float-down option or the agreement expires), then the relevant date is the date the financial institution exercises discretion in setting the rate for the final time before final action is taken. The same rule applies when a rate-lock agreement is extended and the rate is reset at the same rate, regardless of whether market rates have increased, decreased, or remained the same since the initial rate was set." [1003.4(a)(12)-5(i)] In this instance, if the lender can provide an attestation that they exercised discretion in resetting the rate at a later date, we can use that date for purposes of establishing the Rate Set Date for compliance testing purposes. Buyer Comment (2026-05-05): Per the attached Interest rate agreements, the loan received a series of rate lock extensions beginning[redacted] through the [redacted] closing. Reviewer Comment (2026-05-05): The rate lock on [redacted]did not reflect a change in rate from the initial rate lock on [redacted] and there were no documented changes in between. Please provide evidence of a change in rate between the initial rate lock and the final lock on [redacted] based on the Reg Z approach. If relying on the Reg C approach, in the event there is a re-lock or extension with no change in rate, please provide information/attestation indicating the lender exercised discretion in setting or re-setting the rate at a later time before consummation, albeit at the same rate. |
06/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734624 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Final Closing Disclosure missing in the file, please provide for review. | Reviewer Comment (2026-05-05): Received the final Closing Disclosure. Exception cleared. Buyer Comment (2026-05-05): Please see the attached final CD. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734625 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Reviewer Comment (2026-05-05): Received the final Closing Disclosure and RTC disclosure. Exception cleared. |
05/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000007 | 36734626 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-05-05): Received the RTC. Exception cleared. Buyer Comment (2026-05-05): Please see the attached NORTC. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000008 | 36734629 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000008 | 36734630 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000008 | 36734631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000009 | 36734633 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000009 | 36734634 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000009 | 36734635 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000009 | 36734638 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Buyer Comment (2026-04-21): seller accepts; no change to grading. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000010 | 36734640 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000010 | 36734641 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000010 | 36734642 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000010 | 36734645 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | The Final Closing Disclosure was not signed by the borrower until [redacted]. The loan was disbursed prior to midnight of the third business day after consummation. Lender to reopen rescission, provide the new Right to Cancel form, a copy of the Letter of Explanation sent to the borrower, and proof of delivery. Note: This exception cannot be cured until the new rescission period ends. | Reviewer Comment (2026-05-14): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-05-13): Please see attached, re-opened ROR as requested |
05/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000010 | 36734646 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The Final Closing Disclosure was not signed until [redacted]. RTC disclosed incorrect transaction and expiration dates. Lender to reopen rescission, provide a copy of the new Right to Cancel form, the Letter of Explanation sent to the borrower, and proof of delivery. Note: This exception cannot be cured until the expiration of the new rescission period. | Reviewer Comment (2026-05-14): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-05-13): Please see attached, re-opened ROR as requested |
05/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000011 | 36734648 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000011 | 36734649 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000012 | 36734650 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000012 | 36734651 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000012 | 36734652 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000012 | 36734654 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Buyer Comment (2026-04-21): Seller acknowledges exception, no change in grading |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000013 | 36734655 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000013 | 36734656 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000013 | 36734657 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000014 | 36734659 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000014 | 36734660 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000014 | 36734661 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000015 | 36734663 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000015 | 36734664 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000015 | 36734665 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000016 | 36734667 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000016 | 36734668 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000017 | 36734672 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000017 | 36734673 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000017 | 36734674 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000018 | 36734677 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000018 | 36734678 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000019 | 36734679 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000019 | 36734680 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000019 | 36734681 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-05): Received screenshot from lender's LOS verifying the date the disclosure was provided. Exception cleared. Buyer Comment (2026-05-04): Please see attached confirmation of when the gov't disclosure was provided with the language pertaining to the appraisal. Please reivew to clear this condition. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000019 | 36734682 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted] days of the application date of [redacted]. The initial LE dated [redacted] did not have the appraisal language on page [redacted], and the Right to Receive Appraisal disclosure does not show it was provided until [redacted]. | Reviewer Comment (2026-05-05): Received screenshot from lender's LOS verifying the date the disclosure was provided. Exception cleared. Buyer Comment (2026-05-04): Please see attached confirmation of when the gov't disclosure was provided with the language pertaining to the appraisal. Please reivew to clear this condition. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000020 | 36734685 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000020 | 36734686 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000021 | 36734690 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000021 | 36734691 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000022 | 36734694 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000022 | 36734695 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000022 | 36734696 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000022 | 36734700 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | 05/04/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000023 | 36734701 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000023 | 36734702 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000023 | 36734703 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000024 | 36734707 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000024 | 36734708 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000024 | 36734709 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000024 | 36734711 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-24): Seller acknowledges exception, no change to grading. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000025 | 36734713 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000025 | 36734714 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000025 | 36734715 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000026 | 36734717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000026 | 36734718 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000026 | 36734719 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000026 | 36734721 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The subject is in a PUD. Please provide evidence of the current HOA dues for review. | Reviewer Comment (2026-05-05): HOA document received along with updated 1003 & 1008. Exception cleared. Buyer Comment (2026-05-05): Please see attached, confirmation of $[redacted]hoa dues. The dues were added to the DTI calculation. I have uploaded the updated 1003 and 1008 for review. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000027 | 36734722 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000027 | 36734723 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000027 | 36734724 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted]days of the application. The earliest evidence of delivery was on the Government Disclosures document from [redacted]. It's further noted that the initial Loan Estimate did not contain the required appraisal language on page [redacted]. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-05): Please disregard the initial screen shots as they were for a different loan Buyer Comment (2026-05-05): Attached are screen shots showing the early disclosure package was sent to the borrower on[redacted]. We have included the full early disclosure package where the cover letter confirms the date it was printed. The Government Disclosure is on the last page and contains the required verbiage bolded and underlined. Please use this to confirm the disclosure was included in the early disclosure package and was delivered to the borrower in the required timeframe. Buyer Comment (2026-05-05): Attached are screen shots showing the early disclosure package was sent to the borrower on [redacted]. We have included the full early disclosure package where the cover letter confirms the date it was printed. The Government Disclosure is on the last page and contains the required verbiage bolded and underlined. Please use this to confirm the disclosure was included in the early disclosure package and was delivered to the borrower in the required timeframe. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000027 | 36734728 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-05): Attached are screen shots showing the early disclosure package was sent to the borrower on [redacted]. We have included the full early disclosure package where the cover letter confirms the date it was printed. The Government Disclosure is on the last page and contains the required verbiage bolded and underlined. Please use this to confirm the disclosure was included in the early disclosure package and was delivered to the borrower in the required timeframe. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000027 | 36734729 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within [redacted] days of the Note Date or is already expired. | The insurance in the file was expired at the time of consummation. Please provide evidence of the renewal policy with the new premium for period beginning [redacted]. Internal documentation confirming the new premium for DTI purposes is sufficient. | Reviewer Comment (2026-05-11): Hazard Insurance policy received. Exception cleared. Buyer Comment (2026-05-11): Please see attached Reviewer Comment (2026-05-07): Diligence agrees the dates are not materially important, unless the HOI is expired as of the Note date. The HOI was expired at the time of consummation of the subject loan, so the new policy premium is required for ATR purposes. Exception remains. Buyer Comment (2026-05-05): The HOI declarations page is only provided for the purposes on verifying the premium for the total liability for DTI purposes. There is no requirement or guidelines for this product regarding the policy dates. Please escalate for this to be cleared as is, as there is no material issue. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000028 | 36734731 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000028 | 36734732 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000029 | 36734736 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000029 | 36734737 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000029 | 36734738 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000030 | 36734739 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000030 | 36734740 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000030 | 36734741 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000031 | 36734743 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000031 | 36734744 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000032 | 36734748 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000032 | 36734749 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000032 | 36734750 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000033 | 36734752 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000033 | 36734753 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000033 | 36734754 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000033 | 36734757 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-24): Seller acknowledges exception, no change to grading. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734758 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734759 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734760 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734761 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-11): Final title with coverage amount was provided. Exception cleared. Reviewer Comment (2026-06-11): Final title provided. Buyer Comment (2026-05-05): Seller acknowledges exception, no change to grading. |
06/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734762 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-11): Final title with coverage amount was provided. Exception cleared. |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000034 | 36734764 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000035 | 36734766 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000035 | 36734767 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000036 | 36734769 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000036 | 36734770 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000036 | 36734774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower's [redacted] W2 in the file was blank. Please provide the most recent year W2 or equivalent documentation for review. | Reviewer Comment (2026-05-06): Client provided a copy of the borrower's [redacted] W2, exception cleared. Buyer Comment (2026-05-05): Please see the attached [redacted] w2. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000037 | 36734776 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000037 | 36734777 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000037 | 36734778 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000038 | 36734780 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000038 | 36734781 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000038 | 36734782 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000039 | 36734784 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000039 | 36734785 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: 325 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000040 | 36734788 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000040 | 36734789 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000040 | 36734791 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000040 | 36734793 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower's active business license was provided for the third-party verification, however, it was not dated within [redacted]days of the Note. Please provide evidence this was obtained by the lender within the required timeframe, or provide an additional third-party verification dated within [redacted]days of the Note for review. | Reviewer Comment (2026-05-07): Evidence the lender obtained the third-party verification within [redacted]days of the Note has been provided. Exception cleared. Buyer Comment (2026-05-05): Please see attached confirming when this was received. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000041 | 36734794 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000041 | 36734795 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000041 | 36734796 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000042 | 36734798 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000042 | 36734799 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000043 | 36734801 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000043 | 36734804 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000044 | 36734805 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000044 | 36734806 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000045 | 36734809 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000046 | 36734812 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000046 | 36734813 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purpose. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000046 | 36734814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000047 | 36734819 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000047 | 36734820 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000047 | 36734821 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000048 | 36734822 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000048 | 36734823 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000048 | 36734827 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-24): Seller acknowledges exception, no change to grading. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000049 | 36734828 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000049 | 36734829 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000049 | 36734830 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, no change to grading. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000049 | 36734834 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Fannie Mae requires that the income verification is current and not more than [redacted]days old as of the note date. The Equifax document provided for income from [redacted] has a current as of date of [redacted]. Please provide current paystub or equivalent dated within [redacted]days of the application. | Reviewer Comment (2026-05-08): Client provided verification of employment with updated current as of date of [redacted], exception cleared. Buyer Comment (2026-05-07): Please see the attached verification of employment current as of [redacted]. [redacted] VOE begins on page [redacted]. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000050 | 36734835 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000050 | 36734836 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-04): Please see attached confirmation of when the gov't disclosure was provided with the language pertaining to the appraisal. Please reivew to clear this condition. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000050 | 36734837 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. | The file is missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted]days of the application. Please provide for review. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-04): Please see attached confirmation of when the gov't disclosure was provided with the language pertaining to the appraisal. Please reivew to clear this condition. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000050 | 36734839 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000050 | 36734840 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000051 | 36734842 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000051 | 36734843 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000052 | 36734846 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000052 | 36734847 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000052 | 36734848 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000053 | 36734851 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000053 | 36734852 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000053 | 36734853 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000053 | 36734855 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000054 | 36734856 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000054 | 36734857 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000055 | 36734859 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000055 | 36734863 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000056 | 36734870 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000056 | 36734871 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000056 | 36734875 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower's most recent W-2 is missing. The [redacted] and [redacted] W-2s provided are blank. Please provide a completed [redacted] W-2 for review. | Reviewer Comment (2026-04-29): Client provided the borrower's [redacted] W2, exception cleared. Buyer Comment (2026-04-27): Please see the attached W-2 |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000057 | 36734876 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000057 | 36734877 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000057 | 36734878 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000058 | 36734881 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000058 | 36734884 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-24): Seller acknowledges exception, no change to grading. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000058 | 36734885 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000059 | 36734886 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000059 | 36734887 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000060 | 36734899 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000060 | 36734900 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000061 | 36734902 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000061 | 36734904 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000062 | 36734906 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000062 | 36734907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000063 | 36734908 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000063 | 36734909 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000063 | 36734910 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, no change to grading. |
04/08/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000064 | 36734913 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000064 | 36734914 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000064 | 36734915 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000065 | 36734918 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000065 | 36734919 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000066 | 36734923 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000066 | 36734924 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000067 | 36734926 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000067 | 36734927 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted]valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted]valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000067 | 36734928 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000068 | 36734930 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000068 | 36734931 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted]valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000069 | 36734935 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000069 | 36734940 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000070 | 36734942 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000070 | 36734943 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000071 | 36734949 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000071 | 36734950 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000071 | 36734951 | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of[redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redcated]%. Compliant SubPrime Loan. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000072 | 36734952 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000072 | 36734953 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, [redacted]valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000073 | 36734956 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely on [redacted], exception cleared. Buyer Comment (2026-05-05): Attached are screen shots showing the early disclosure package was sent to the borrower on [redacted]. We have included the full early disclosure package where the cover letter confirms the date it was printed. The Government Disclosure is on the last page and contains the required verbiage bolded and underlined. Please use this to confirm the disclosure was included in the early disclosure package and was delivered to the borrower in the required timeframe. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000073 | 36734957 | Compliance | Compliance | Federal Compliance | TRID | [redacted] [redacted] Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing the Right to Receive Appraisal Disclosure provided within [redacted] days of the application date. The initial Loan Estimate did not contain this information on page [redacted], and the earliest receipt of the Government Disclosure was documented as [redacted] | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely on [redacted], exception cleared. Buyer Comment (2026-05-05): Attached are screen shots showing the early disclosure package was sent to the borrower on [redacted]. We have included the full early disclosure package where the cover letter confirms the date it was printed. The Government Disclosure is on the last page and contains the required verbiage bolded and underlined. Please use this to confirm the disclosure was included in the early disclosure package and was delivered to the borrower in the required timeframe. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000073 | 36734959 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. (The property state is in the [redacted].) | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000073 | 36734960 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000074 | 36734964 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000074 | 36734965 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000074 | 36734966 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000074 | 36734967 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The AVM indicates the subject may have HOA dues. No PUD Rider was attached to the mortgage and HOA dues were not considered in qualifying. Please provide documentation supporting the property does not have HOA dues for review. | Reviewer Comment (2026-05-05): Received HOA verification document subject property does not have any HOA dues. Exception cleared Buyer Comment (2026-05-05): Please see the attached confirmation the property is a single family residence with no HOA dues. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000075 | 36734968 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000075 | 36734969 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000075 | 36734972 | Compliance | Compliance | State Compliance | State HPML | [redacted] Loan Threshold Fixed Compliant | [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]%. Compliant SubPrime Loan. | Reviewer Comment (2026-05-01): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000076 | 36734974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000076 | 36734975 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000077 | 36734977 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000077 | 36734978 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000078 | 36734980 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000078 | 36734981 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000078 | 36734982 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000079 | 36734985 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000079 | 36734986 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000079 | 36734987 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000080 | 36734989 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000080 | 36734990 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000081 | 36734992 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000081 | 36734993 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000081 | 36734994 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000082 | 36734996 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000082 | 36734997 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000082 | 36734998 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000082 | 36735001 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively [redacted] on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | 05/01/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000083 | 36735007 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000083 | 36735008 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000084 | 36735009 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-08): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000084 | 36735010 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000085 | 36735013 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000085 | 36735014 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000086 | 36735015 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000086 | 36735016 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-11): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-11): Please see the attached internal screenshot confirming the Government Disclosures document containing the required verbiage was disclosed to the borrower in the early disclosure package within [redacted] business days of application. Reviewer Comment (2026-05-08): The document provided is not dated to determine when it was provided. In addition, the correct language is reflected on the Government Disclosure already provided. There was no evidence the disclosure was provided within [redacted] business days. Please provide documentation to verify the Right to Receive Appraisal Disclosure was received within [redacted] business days. Please provide a screenshot from lender's LOS system verifying the Government Disclosure was provided within [redacted] business days. Exception remains. Buyer Comment (2026-05-07): Please see the attached appraisal disclosure. Reviewer Comment (2026-05-06): The indicated exception is for the Right to Receive the Appraisal Disclosure. Please provide evidence it was provided within [redacted] business days from application Buyer Comment (2026-05-05): Please see appraisal cover letter confirming delivery on page [redacted]. Buyer Comment (2026-05-05): Per the documentation provided, the loan is compliant. Please review to clear. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000086 | 36735017 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted] days of the application. Please provide for review. | Reviewer Comment (2026-05-11): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-11): Please see the attached internal screenshot confirming the Government Disclosures document containing the required verbiage was disclosed to the borrower in the early disclosure package within [redacted] business days of application. Reviewer Comment (2026-05-08): The document provided is not dated to determine when it was provided. In addition, the correct language is reflected on the Government Disclosure already provided. There was no evidence the disclosure was provided within [redacted] business days. Please provide documentation to verify the Right to Receive Appraisal Disclosure was received within [redacted] business days. Please provide a screenshot from lender's LOS system verifying the Government Disclosure was provided within [redacted] business days. Exception remains. Buyer Comment (2026-05-07): Please see the attached appraisal disclosure. Reviewer Comment (2026-05-06): Screen shot from lender's LOS system identifies the date the appraisal was received. The indicated exception is for the Right to Receive the Appraisal Disclosure. Please provide evidence it was provided within [redacted] business days from application. Buyer Comment (2026-05-05): Please see the attached screenshot from the LOS confirming the borrower viewed the appraisal on [redacted]. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000086 | 36735019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the [redacted] form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000086 | 36735020 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000087 | 36735023 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000087 | 36735026 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000088 | 36735029 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000088 | 36735030 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000088 | 36735031 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000089 | 36735036 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000089 | 36735037 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000089 | 36735038 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000090 | 36735042 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000090 | 36735043 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000090 | 36735044 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000091 | 36735046 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000091 | 36735047 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000091 | 36735048 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000092 | 36735051 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000092 | 36735052 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000093 | 36735053 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000093 | 36735055 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000093 | 36735056 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-04-24): Seller acknowledges exception, no change to grading. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000094 | 36735057 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000094 | 36735058 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000095 | 36735061 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000095 | 36735062 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000095 | 36735063 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000096 | 36735064 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000096 | 36735065 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000096 | 36735066 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000097 | 36735068 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000097 | 36735070 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000098 | 36735071 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000098 | 36735072 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000099 | 36735076 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000099 | 36735077 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000100 | 36735079 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000100 | 36735080 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000100 | 36735081 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000101 | 36735084 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000101 | 36735085 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000101 | 36735086 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000102 | 36735092 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000102 | 36735093 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000102 | 36735094 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000103 | 36735099 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000103 | 36735100 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000103 | 36735101 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000104 | 36735103 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000104 | 36735104 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000104 | 36735105 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000105 | 36735108 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000105 | 36735109 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000105 | 36735110 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, no change to grading. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000106 | 36735112 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/24/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000106 | 36735113 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000107 | 36735115 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000107 | 36735116 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000108 | 36735119 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000108 | 36735120 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000108 | 36735121 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000109 | 36735125 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000109 | 36735126 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000110 | 36735127 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000110 | 36735128 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000110 | 36735129 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000110 | 36735131 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The AVM HOA Indicator reflects the property is subject to HOA dues and none were utilized in qualifying. Please provide documentation to verify HOA dues for this property are not applicable. | Reviewer Comment (2026-04-29): Received documentation the property is not subject to HOA dues. Exception cleared. Buyer Comment (2026-04-28): Please see attached, property report confirming the property is [redacted] with no HOA dues on this property. The AVM will mark the HOA field "[redacted]" in situations where there is a non-mandatory HOA. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000111 | 36735132 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000111 | 36735133 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000111 | 36735134 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000112 | 36735136 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000112 | 36735137 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000112 | 36735138 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, no change to grading. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000113 | 36735146 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000113 | 36735149 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]%. Compliant SubPrime Loan. | Reviewer Comment (2026-04-10): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000113 | 36735150 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000114 | 36735151 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000114 | 36735152 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000114 | 36735153 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, no change to grading. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000114 | 36735155 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000115 | 36735156 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000115 | 36735157 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: 325 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000116 | 36735161 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000116 | 36735163 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000116 | 36735164 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000117 | 36735167 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000117 | 36735168 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000118 | 36735172 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000118 | 36735173 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000118 | 36735174 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000119 | 36735175 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000119 | 36735176 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000119 | 36735177 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000120 | 36735180 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000120 | 36735182 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/27/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000121 | 36735183 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000121 | 36735184 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000121 | 36735185 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735188 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted] business days from transaction date of [redacted]. | Loan was disbursed prior to midnight of the third business day after consummation. Lender to re-open rescission, provide the new Right to Cancel form, a copy of the letter of explanation sent to the borrower, and proof of delivery. Note: This exception cannot be cured until the new rescission period ends. | Reviewer Comment (2026-05-13): LOE, proof of delivery ([redacted]), and new RTC provided. New rescission period has passed, exception cured. Buyer Comment (2026-05-12): Please see attached, re-opened ROR as requested. |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735189 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735190 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and expiration dates. Lender to re-open rescission, provide a copy of the new right to cancel form, the letter of explanation sent to borrower, and proof of delivery. Note: This exception cannot be cured until expiration of new rescission period. | Reviewer Comment (2026-05-13): LOE, proof of delivery ([redacted]), and new RTC provided. New rescission period has passed, exception cured. Buyer Comment (2026-05-12): Please see attached, re-opened ROR as requested. |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735191 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735192 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000122 | 36735193 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000123 | 36735194 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000123 | 36735196 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735197 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735198 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-18): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-14): Please see attached, the appraisal language is part of the early disclosure packet. I have uploaded the packet as well as confirmation of the delivery date. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735200 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735201 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735202 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file is missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted] days of the application. Please provide for review. | Reviewer Comment (2026-05-18): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-14): Please see attached, the appraisal language is part of the early disclosure packet. I have uploaded the packet as well as confirmation of the delivery date. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000124 | 36735203 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000125 | 36735205 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000125 | 36735206 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000125 | 36735208 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed by All Borrowers) | [redacted] Home Loan: Receipt of [redacted] Complaint Agency Disclosure specifying the agency designated to receive complaints or inquiries about the origination and making of the loan acknowledged by one borrower, but not all borrowers on the transaction. | Buyer Comment (2026-05-05): Seller acknowledges exception, no change to grading. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | "Within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80 Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation." |
B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000125 | 36735209 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000126 | 36735210 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000126 | 36735211 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000126 | 36735212 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735216 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR-related exceptions are cleared. | Reviewer Comment (2026-05-05): Received VVOE Work Number document. Exception Cleared. Buyer Comment (2026-05-05): Please see the attached VOE. |
05/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735218 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Loan satisfies all [redacted] [redacted] conditions, and the loan is a compliant [redacted] [redacted] loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735219 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The file is missing the verbal verification of employment obtained within [redacted] business days of closing. | Reviewer Comment (2026-05-05): Received VVOE Work Number document. Exception Cleared. Buyer Comment (2026-05-05): Please see the attached VOE. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735220 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing verification of employment. This exception will be cleared when all ATR-related exceptions are cleared. | Reviewer Comment (2026-05-08): Client provided verification of employment dated within [redacted] business days of note date, exception cleared. |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735221 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | VVOE or letter from employer. | Reviewer Comment (2026-05-05): Received VVOE Work Number document. Exception Cleared. Buyer Comment (2026-05-05): Please see the attached VOE. |
05/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735222 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735223 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735224 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Reviewer Comment (2026-05-05): Received VVOE work number. Exception Cleared. Please ignore comments mentioned on [redacted] [redacted] PM. Reviewer Comment (2026-05-05): The verification of employment is required and was not found in file Buyer Comment (2026-05-05): Please see the attached VOE. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735225 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-05-05): Received VVOE work number. Exception Cleared. Please ignore comments mentioned on [redacted] [redacted] PM. Reviewer Comment (2026-05-05): Verification(s) of employment is not within [redacted] business days of the Note. Buyer Comment (2026-05-05): Please see the VOE provided. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735226 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to missing verification of employment. This exception will be cleared when all ATR-related exceptions are cleared. | Reviewer Comment (2026-05-05): Received VVOE Work Number document. Exception Cleared. Buyer Comment (2026-05-05): Please see the attached VOE. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000127 | 36735227 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-05-08): Client provided verification of employment dated within [redacted] business days of note date, exception cleared. Buyer Comment (2026-05-06): Please clear this as all other exceptions are cleared. |
05/08/2026 | No | 1 | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000128 | 36735229 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000128 | 36735231 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: 122 | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000129 | 36735232 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | VT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000129 | 36735234 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | VT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000130 | 36735236 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000130 | 36735237 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000130 | 36735238 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000131 | 36735241 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000131 | 36735242 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000131 | 36735244 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The business entity internet search was not timestamped for the borrower's self employment. Please provide evidence of the date the verification was obtained. | Reviewer Comment (2026-05-04): Received evidence of the date the verification was obtained. Exception cleared. Buyer Comment (2026-05-04): Please see attached, internal timestamp of business license confirming it was obtained within the required timeframe. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000132 | 36735245 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000132 | 36735247 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000133 | 36735250 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000133 | 36735251 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000134 | 36735252 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000134 | 36735253 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000134 | 36735254 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000135 | 36735257 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000135 | 36735258 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MI | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000135 | 36735259 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000135 | 36735261 | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | [redacted] County Water Contamination: Property is located in [redacted] County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | Reviewer Comment (2026-04-30): Client provided [redacted] page of appraisal from prior transaction that confirms the property uses well water, exception cleared. Buyer Comment (2026-04-28): Please see the attached page [redacted] of previously obtained appraisal confirming the subject uses a well water supply. |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000136 | 36735262 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000136 | 36735263 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000136 | 36735264 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000136 | 36735266 | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Predatory Lending Database Program ([redacted] [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-04-29): Received [redacted] Cert of Compliance. Exception cleared. Buyer Comment (2026-04-28): Please see attached |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000137 | 36735267 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000137 | 36735269 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000138 | 36735270 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000138 | 36735271 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000138 | 36735272 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000138 | 36735274 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-08): LOE, proof of delivery ([redacted]), and new RTC provided. New rescission period has passed, exception cured. Buyer Comment (2026-05-06): Please see the attached [redacted] forms, loe to borrower and proof of delivery. |
05/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000139 | 36735275 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000139 | 36735276 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000139 | 36735279 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | he AVM indicates the subject is subject to HOA dues and none were utilized in qualifying. No PUD Rider was attached to the mortgage and documentation was not found to evidence HOA dues are not applicable. Please provide supporting documentation for review. | Reviewer Comment (2026-05-05): Provided HOA verification document showing no HOA Dues for subject property. Exception Cleared. Buyer Comment (2026-05-04): Please see HOA verification attached |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000139 | 36735280 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000139 | 36735281 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000140 | 36735282 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000140 | 36735284 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000141 | 36735286 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000141 | 36735290 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-27): Seller acknowledges exception, no change to grading. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000141 | 36735291 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | 06/02/2026 | No | 1 | N/A | A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000142 | 36735292 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000142 | 36735295 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000143 | 36735296 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000143 | 36735297 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000143 | 36735298 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000144 | 36735301 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000144 | 36735302 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000144 | 36735303 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000145 | 36735305 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000145 | 36735306 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000145 | 36735307 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000146 | 36735310 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000146 | 36735311 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000147 | 36735312 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000147 | 36735313 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000147 | 36735314 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ID | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000148 | 36735316 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000148 | 36735317 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000148 | 36735318 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000149 | 36735321 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000149 | 36735323 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000150 | 36735324 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000150 | 36735327 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000151 | 36735329 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000151 | 36735330 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000151 | 36735331 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000152 | 36735333 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | 05/04/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000152 | 36735334 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000152 | 36735335 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000152 | 36735336 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000153 | 36735337 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000153 | 36735338 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000153 | 36735339 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000154 | 36735343 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000154 | 36735344 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000155 | 36735345 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000155 | 36735347 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000156 | 36735348 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000156 | 36735349 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000156 | 36735350 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735355 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted]and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the [redacted] fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted]. The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted]paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735356 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted]and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Buyer Comment (2026-05-12): Please see attached, The $[redacted]fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted]check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the [redacted] fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted], we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted]. The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted]paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735357 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted] and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735358 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | The QM points and fees are excessive due to the APR fees. Please provide the complete appraisal invoice that discloses the breakdown of fees paid to the appraiser and management company. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted] and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the [redacted] fee. The appraisal invoice that matches the amount paid on the final CD with the AMC breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735359 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | [redacted]Covered Loan: Borrower not provided with Consumer Caution Notice. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the AMC lender affiliate fee of $[redacted]and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the AMC fee. The appraisal invoice that matches the amount paid on the final CD with the AMC breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735360 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | [redacted]Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the AMC lender affiliate fee of $[redacted] and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the [redacted] fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735361 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the AMC lender affiliate fee of $[redacted] and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the AMC fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735362 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted]and the post-closing CD showing the borrower was not charged for the $[redacted]inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted] check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated [redacted]the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the [redacted] fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735363 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Reviewer Comment (2026-05-14): Client provided appraisal invoice that breaks out the third-party appraisal fee from the [redacted] lender affiliate fee of $[redacted] and the post-closing CD showing the borrower was not charged for the $[redacted] inspection fee. The fees have been separated as disclosed on the CDs and appraisal invoices, exception cleared. Buyer Comment (2026-05-12): Please see attached, The $[redacted] fee has been removed. This is shown on the CD by lowering the total Lender credit by the same amount. We have provided the borrower the PCCD, an LOE and a $[redacted]check. Reviewer Comment (2026-05-07): This loan has several exceptions due to the APR fees. The Appraisal management fee ([redacted] fee) is usually separated from the appraisal fee due to being an APR fee because it's paid to the lender affiliate. Since we initially did not have the appraisal invoice, the full appraisal amount was entered as paid to the lender's affiliate instead of just the AMC fee. The appraisal invoice that matches the amount paid on the final CD with the [redacted] breakdown is required to accurately allocate the fees. Once we have the inspection invoice for $[redacted] , we can review the APR testing. Reviewer Comment (2026-05-06): The appraisal invoice provided discloses a total appraisal fee of $[redacted] . The final CD discloses the appraisal amount of $[redacted] paid by the borrower and $[redacted] paid by the lender. Please provide the updated invoice with the appraiser and management fee breakdown that supports the total paid on the final CD. Exception remains for additional information. Buyer Comment (2026-05-05): Please see attached, appraisal invoice confirms the amount which should be included in the test is $[redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000157 | 36735364 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000158 | 36735365 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000158 | 36735368 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000158 | 36735369 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000158 | 36735370 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000159 | 36735371 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000159 | 36735372 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000159 | 36735373 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000160 | 36735377 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000160 | 36735379 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000161 | 36735381 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000161 | 36735382 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000161 | 36735383 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000162 | 36735384 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000162 | 36735387 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: 325 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000163 | 36735388 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000163 | 36735389 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000163 | 36735390 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000164 | 36735392 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000164 | 36735393 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000164 | 36735394 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000165 | 36735397 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000165 | 36735398 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000165 | 36735399 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000165 | 36735401 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000166 | 36735403 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000166 | 36735404 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000166 | 36735405 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000167 | 36735408 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000167 | 36735409 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000167 | 36735410 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The verbal verification of employment provided does not disclose the source used to obtain the employer's phone number. Please provide for review. | Reviewer Comment (2026-05-06): Client provided screenshot of LOS system confirming employer's phone number and source used to verify the number, exception cleared. Buyer Comment (2026-05-04): Please see attached confirmation of the source of the phone number for the VOE. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000168 | 36735412 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000168 | 36735413 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000168 | 36735414 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000169 | 36735415 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000169 | 36735418 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | [redacted]Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Counseling disclosure was provided on [redacted]. | Reviewer Comment (2026-05-01): Disclosure provided at the time the loan's APR became [redacted] Subprime. |
05/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000169 | 36735419 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | 05/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000169 | 36735420 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]%. Compliant SubPrime Loan. | Reviewer Comment (2026-05-01): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000170 | 36735421 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000170 | 36735422 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000170 | 36735423 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000171 | 36735425 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000171 | 36735426 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000171 | 36735427 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000172 | 36735429 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000172 | 36735432 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000173 | 36735434 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000173 | 36735435 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000173 | 36735436 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000173 | 36735437 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the most recent year's W2. The [redacted]W2 provided was blank. Please provide the [redacted]W2 or equivalent documentation for review. | Reviewer Comment (2026-05-06): Client provided a copy of the borrower's [redacted] W2, exception cleared. Buyer Comment (2026-05-05): Please see attached |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000174 | 36735438 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000174 | 36735439 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000174 | 36735440 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000175 | 36735446 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000175 | 36735447 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000175 | 36735448 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000176 | 36735449 | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Most recent available index value used for bona fide discount point testing. | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000176 | 36735450 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000176 | 36735453 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000177 | 36735455 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000177 | 36735456 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000177 | 36735457 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000178 | 36735458 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000178 | 36735459 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000178 | 36735460 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000179 | 36735463 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000179 | 36735465 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000180 | 36735468 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000180 | 36735469 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000180 | 36735470 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000181 | 36735471 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000181 | 36735472 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Seller acknowledges exception, no change to grading. |
04/09/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NM | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000181 | 36735473 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NM | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000181 | 36735475 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-27): Seller acknowledges exception, no change to grading. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NM | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000182 | 36735476 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/01/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000182 | 36735477 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000182 | 36735478 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000182 | 36735480 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The HOA indicator on the AVM reflects yes and a PUD Rider was provided. Monthly HOA fees of $[redacted]were used to qualify; however, documentation was not provided. Please provide documentation for review. | Reviewer Comment (2026-05-05): [redacted] or [redacted] documents provided by the lender does not contain the HOA section to verify $[redacted]dues. Diligence viewed [redacted] online and confirmed HOA dues are not applicable for this property. Exception cleared. Buyer Comment (2026-05-05): The Property Details section of documentation previously provided was fully extended to allow the viewer to verify the absence of dues. I've attached the same documentation, only the property details section is closed for contrast to the previous document as well as a second source of third party verification that no dues assessed on the property. Reviewer Comment (2026-05-05): The HOA dues section is under the Property Details section. This section was not opened to show this section on the property report provided to verify no HOA dues. Exception remains. Buyer Comment (2026-05-04): Please see the attached verification of the absence of hoa dues. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000183 | 36735481 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000183 | 36735482 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000183 | 36735483 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000184 | 36735487 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000184 | 36735490 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000185 | 36735491 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000185 | 36735492 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file was missing the borrower's [redacted]W2 documentation. Please provide for review. | Reviewer Comment (2026-05-05): Received borrower's [redacted] W-2. Exception cleared. Buyer Comment (2026-05-05): Please see attached B1 [redacted] W2. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000185 | 36735495 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000186 | 36735496 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000186 | 36735499 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000187 | 36735501 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000187 | 36735502 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000187 | 36735503 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000188 | 36735506 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000188 | 36735507 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000188 | 36735508 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000189 | 36735511 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000189 | 36735512 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000189 | 36735513 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ID | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000190 | 36735514 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000190 | 36735515 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000190 | 36735516 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000191 | 36735520 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000191 | 36735523 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000192 | 36735524 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000192 | 36735525 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000192 | 36735526 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000193 | 36735531 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000193 | 36735532 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000193 | 36735533 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000194 | 36735536 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000194 | 36735537 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000194 | 36735538 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000195 | 36735539 | Compliance | Compliance | State Compliance | Compliance | [redacted] Day RNY has been discontinued effective [redacted]. Most recent available index value used for bona fide discount point testing. | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000195 | 36735542 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000195 | 36735543 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000195 | 36735544 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000196 | 36735545 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000196 | 36735547 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000197 | 36735550 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000197 | 36735551 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000197 | 36735552 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000198 | 36735553 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000198 | 36735554 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000198 | 36735555 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000199 | 36735563 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000199 | 36735564 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000200 | 36735565 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000200 | 36735566 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000200 | 36735567 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000201 | 36735569 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000201 | 36735572 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000201 | 36735573 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000201 | 36735574 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000202 | 36735576 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000202 | 36735577 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000202 | 36735578 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000203 | 36735580 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000203 | 36735581 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000203 | 36735582 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000204 | 36735586 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000204 | 36735587 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000205 | 36735588 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000205 | 36735589 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000205 | 36735590 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000206 | 36735592 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000206 | 36735593 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000206 | 36735594 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000207 | 36735597 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000207 | 36735598 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000207 | 36735599 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000208 | 36735600 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000208 | 36735601 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000208 | 36735602 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000209 | 36735604 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000209 | 36735605 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000209 | 36735606 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000210 | 36735608 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000210 | 36735610 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735612 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735613 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. | The file was missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted]days of the application. Please provide for review. | Reviewer Comment (2026-05-11): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-08): Please see attached, the early disclosure packet with the appraisal language and confirmation of when it was delivered. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735614 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-11): Client provided screenshot of LOS system confirming the Early Disclosure package was sent to borrower timely, exception cleared. Buyer Comment (2026-05-08): Please see attached, the early disclosure packet with the appraisal language and confirmation of when it was delivered. Reviewer Comment (2026-05-07): This exception is due to not having evidence of the Right to Receive Appraisal Disclosure within [redacted] days of the application. This exception will be reviewed upon receipt of that documentation. Exception remains. Buyer Comment (2026-05-05): Please see uploaded document. The date of the last rate chage is [redacted]. The APR should be tested against [redacted]% |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735616 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Loan satisfies all [redacted] HPML conditions, and the loan is a compliant [redacted] HPML loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735617 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-04): Seller acknowledges exception, no change to grading. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000211 | 36735618 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000212 | 36735621 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000212 | 36735622 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000212 | 36735623 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000213 | 36735625 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000213 | 36735626 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000213 | 36735627 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-30): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/30/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000214 | 36735629 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000214 | 36735633 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Loan satisfies all [redacted] HPML conditions, and the loan is a compliant [redacted] HPML loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000214 | 36735634 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000215 | 36735636 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000215 | 36735637 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000215 | 36735638 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000216 | 36735641 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000216 | 36735642 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000216 | 36735643 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000217 | 36735645 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000217 | 36735648 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000218 | 36735649 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000218 | 36735651 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000219 | 36735652 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000219 | 36735653 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000219 | 36735654 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000220 | 36735657 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000220 | 36735658 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000220 | 36735659 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000220 | 36735661 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-08): LOE, proof of delivery, and H-9 RTC provided. New rescission period has passed, exception cured. Buyer Comment (2026-05-06): Please see the attached H9 forms, loe to borrower and proof of delivery. |
05/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000221 | 36735663 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000221 | 36735664 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000221 | 36735665 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000222 | 36735668 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000222 | 36735669 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower's [redacted] in the file was blank. Please provide the most recent year W2 or equivalent documentation for review. | Reviewer Comment (2026-04-28): W-2 received for the year [redacted]. Exception cleared. Buyer Comment (2026-04-28): Please see the W2 attached |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000222 | 36735672 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-04-27): Seller acknowledges exception, no change to grading. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000222 | 36735673 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign agreement was not found in file. | Reviewer Comment (2026-04-28): E-sign agreement received. Exception cleared. Buyer Comment (2026-04-28): Please see the esign audit log attached |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000222 | 36735674 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000223 | 36735677 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000223 | 36735678 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000223 | 36735679 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000224 | 36735685 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000224 | 36735686 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000225 | 36735690 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000225 | 36735691 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000225 | 36735692 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | ME | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000226 | 36735697 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000226 | 36735698 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000226 | 36735699 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000227 | 36735700 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000227 | 36735701 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NM | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000227 | 36735702 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NM | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000228 | 36735705 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000228 | 36735706 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000228 | 36735707 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000229 | 36735708 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000229 | 36735709 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000229 | 36735710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000230 | 36735712 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000230 | 36735713 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000230 | 36735714 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000231 | 36735716 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000231 | 36735717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000232 | 36735724 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000232 | 36735725 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000232 | 36735726 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000233 | 36735729 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000233 | 36735730 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-10): Seller acknowledges exception, no change to grading. |
04/10/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000233 | 36735731 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-10): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/10/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000234 | 36735736 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000234 | 36735737 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000235 | 36735738 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000235 | 36735741 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000236 | 36735742 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000236 | 36735743 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000236 | 36735744 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000237 | 36735747 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/04/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000237 | 36735748 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000237 | 36735749 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000237 | 36735752 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | The Final CD was signed by the borrower's on [redacted] on this [redacted] closing. Loan was disbursed prior to midnight of the third business day after consummation. Lender to re-open rescission, provide the new Right to Cancel form, a copy of the letter of explanation sent to the borrower, and proof of delivery. Note: This exception cannot be cured until the new rescission period ends. | Reviewer Comment (2026-05-13): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-05-12): Please see attached package mailed to the borrower along with proof of delivery, recission period has ended as of [redacted] at midnight. |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000237 | 36735753 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment (2026-05-13): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-05-12): Please see attached package mailed to the borrower along with proof of delivery, recission period has ended as of [redacted] at midnight. |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000238 | 36735754 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000238 | 36735755 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000238 | 36735756 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000239 | 36735758 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000239 | 36735761 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000240 | 36735762 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000240 | 36735763 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000240 | 36735764 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000241 | 36735767 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000241 | 36735768 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000241 | 36735769 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000242 | 36735773 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000242 | 36735774 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000242 | 36735775 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735778 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735779 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735780 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735782 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documentation verifying the subject's HOA dues was not found in the file. Please provide for review. | Reviewer Comment (2026-05-14): HOA document received. Exception cleared. Buyer Comment (2026-05-14): Please see the attached HOA verification document. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735783 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-05-20): HOA document received. Exception cleared. Buyer Comment (2026-05-20): Please see the attached HOA governing docs showing HOA dues at $[redacted], zillow was incorrect. |
05/20/2026 | No | 1 | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735784 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-05-20): HOA document received. Exception cleared. Buyer Comment (2026-05-20): Please see the attached HOA governing docs showing HOA dues at $[redacted], zillow was incorrect. |
05/20/2026 | No | 1 | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000243 | 36735785 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-05-20): HOA document received. Exception cleared. Buyer Comment (2026-05-20): Please see the attached HOA governing docs showing HOA dues at $[redacted], zillow was incorrect. |
05/20/2026 | No | 1 | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000244 | 36735786 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000244 | 36735787 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000244 | 36735788 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000244 | 36735790 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-13): Seller acknowledges exception, no change to grading. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000245 | 36735791 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000245 | 36735792 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000246 | 36735796 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000246 | 36735797 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000246 | 36735800 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed by All Borrowers) | [redacted] Home Loan: Receipt of [redacted] Complaint Agency Disclosure specifying the agency designated to receive complaints or inquiries about the origination and making of the loan acknowledged by one borrower, but not all borrowers on the transaction. | Buyer Comment (2026-05-14): Seller acknowledges exception, no change to grading. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | "Within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80 Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation." |
B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000247 | 36735802 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000247 | 36735803 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000247 | 36735804 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000248 | 36735807 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000248 | 36735811 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000249 | 36735812 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000249 | 36735813 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000249 | 36735814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000250 | 36735817 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000250 | 36735818 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000250 | 36735819 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000251 | 36735821 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000251 | 36735822 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000251 | 36735823 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000252 | 36735828 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000252 | 36735829 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000252 | 36735830 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000253 | 36735833 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-22): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-05-20): Please see attached packagemailed to the borrower, confirmed delivered on [redacted] and recission has ended as of [redacted] at midnight. |
05/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000253 | 36735834 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000253 | 36735835 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000253 | 36735836 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000254 | 36735837 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000254 | 36735838 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000254 | 36735839 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000255 | 36735844 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000255 | 36735845 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000256 | 36735846 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000256 | 36735847 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000256 | 36735848 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000257 | 36735851 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-04-27): Seller acknowledges exception, no change to grading. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000257 | 36735852 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-04-27): Seller acknowledges exception, no change to grading. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000257 | 36735853 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/27/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000257 | 36735855 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000258 | 36735856 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000258 | 36735857 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000258 | 36735858 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/28/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000259 | 36735861 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 04/28/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000259 | 36735862 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000259 | 36735863 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | OR | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000260 | 36735866 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000260 | 36735867 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000260 | 36735868 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | KS | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000261 | 36735870 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000261 | 36735871 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000261 | 36735872 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000262 | 36735876 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000262 | 36735878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan designation failure due to the rate set date. The date considered by the lender was not documented in the file. Please provide evidence of the relock for the interest rate of [redacted]% on [redacted]. | Reviewer Comment (2026-05-18): Screenshot from LOS confirms last rate date of [redacted]. Exception is no longer valid after last rate set date change. Exception cleareed. Buyer Comment (2026-05-14): Please see attached, confirmation the last rate change occured on [redacted] |
05/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000262 | 36735879 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000263 | 36735881 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000263 | 36735884 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000264 | 36735885 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000264 | 36735886 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000264 | 36735887 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000265 | 36735891 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000265 | 36735892 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000265 | 36735893 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000265 | 36735895 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-13): Seller acknowledges exception, no change to grading. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000266 | 36735896 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000266 | 36735897 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000266 | 36735898 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000267 | 36735901 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000267 | 36735902 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000267 | 36735903 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000268 | 36735905 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000268 | 36735906 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000268 | 36735907 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000269 | 36735913 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000269 | 36735914 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000269 | 36735915 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000270 | 36735918 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000270 | 36735919 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000270 | 36735920 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000271 | 36735922 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000271 | 36735923 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000271 | 36735924 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000272 | 36735928 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000272 | 36735929 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000272 | 36735930 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000273 | 36735931 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000273 | 36735932 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000273 | 36735933 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | IN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000274 | 36735935 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000274 | 36735936 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-13): Seller acknowledges exception, secondary valuation not required per product guidelines. |
04/13/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000274 | 36735937 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-13): Seller acknowledges exception, no change to grading. |
04/13/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000275 | 36735940 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000275 | 36735941 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000275 | 36735942 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000276 | 36735945 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000276 | 36735946 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000276 | 36735947 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000276 | 36735950 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documentation was not found to verify the subject HOA dues. Please provide for review. | Reviewer Comment (2026-05-14): HOA document received. Exception cleared. Buyer Comment (2026-05-14): Please see the attached HOA verification document. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000277 | 36735951 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000277 | 36735952 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000277 | 36735953 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000278 | 36735955 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000278 | 36735956 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000278 | 36735957 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000279 | 36735959 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000279 | 36735960 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000279 | 36735961 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000280 | 36735964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-01): Seller acknowledges exception, no change to grading. |
05/01/2026 | No | 2 | A | A | A | A | A | A | B | B | B | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000280 | 36735965 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No secondary valuation was provided. Sec [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-01): Seller acknowledges exception, secondary valuation not required per product guidelines. |
05/01/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000280 | 36735966 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 05/13/2026 | No | 3 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000280 | 36735967 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the borrower's [redacted] or equivalent documentation. Please provide for review. | Reviewer Comment (2026-05-14): [redacted] W-2 was provided. Exception cleared. Buyer Comment (2026-05-14): Please see attached, W2 as requested |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redacted] | [Redacted] | [Redacted] | GCAT2026CES1000280 | 36735969 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-13): Seller acknowledges exception, no change to grading. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |