# EDGAR Filing Document

**Accession Number:** 0001892312
**File Stem:** 0001999371-25-018640
**Filing Date:** 2025-11
**Character Count:** 1765365
**Document Hash:** c785011e60efe6282ad87524f57a466f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-018640.hdr.sgml**: 20251125

**ACCESSION NUMBER**: 0001999371-25-018640

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20251125

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20251125

**DATE AS OF CHANGE**: 20251125

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Non-Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05960
- **FILM NUMBER:** 251518878

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>GCAT Depositor IiI, llc</u>**

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001892312

<u>GCAT 2025-INV5 Trust</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Thomas Durkin, (212) 692-2000

Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

[99.1](ex99-1.htm) AMC Diligence, LLC ("AMC") Executive Summary (BAML Loans)

[99.2](ex99-2.htm) AMC Rating Agency Grades (BAML Loans)

[99.3](ex99-3.htm) AMC Exception Grades (BAML Loans)

[99.4](ex99-4.htm) AMC Valuation Summary (BAML Loans)

[99.5](ex99-5.htm) AMC Data Compare (BAML Loans)

[99.6](ex99-6.htm) AMC Executive Summary (AG Loans)

[99.7](ex99-7.htm) AMC Rating Agency Grades (AG Loans)

[99.8](ex99-8.htm) AMC Exception Grades (AG Loans)

[99.9](ex99-9.htm) AMC Valuation Summary (AG Loans)

[99.10](ex99-10.htm) AMC Data Compare (AG Loans)

[99.11](ex99-11.htm) Consolidated Analytics, Inc. ("Consolidated Analytics") Executive Summary (BAML Loans)

[99.12](ex99-12.htm) Consolidated Analytics Data Compare Report (BAML Loans)

[99.13](ex99-13.htm) Consolidated Analytics Due Diligence Standard (BAML Loans)

[99.14](ex99-14.htm) Consolidated Analytics Grading Summary Report (BAML Loans)

[99.15](ex99-15.htm) Consolidated Analytics Valuations Summary Report (BAML Loans)

[99.16](ex99-16.htm) Consolidated Analytics ATR QM Report (BAML Loans)

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

**gcat Depositor iII, LLC**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Depositor)

Date: November 25, 2025

/s/ Thomas Durkin

Name: Thomas Durkin

Title: President (senior officer in charge of securitization)

## Exhibit 99.1

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage III LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted on mortgage loans with origination dates from June 2025 through September 2025 via files imaged and provided by the Client for review.

**(2) Sample size of the assets reviewed.**

The total population of the Review covered 12 mortgage loans totaling an aggregate original principal balance of approximately $3.232 million.

**(3) Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

**<u>CREDIT SCOPE:</u>**

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

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**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines, (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

**<u>COMPLIANCE SCOPE:</u>**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

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iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, AMC reviewed the relevant documents in the mortgage loan file and, as
 necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
 governing policies and procedures of the mortgage loan originator. In the absence of
 the mortgage loan originator compensation agreement and/or governing policies and procedures,
 AMC's review was limited to formal general statements of entity compliance provided
 by the mortgage loan originator, if any. These statements, for example, were in the form
 of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

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vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that each revised LE is accompanied by valid written documentation explaining the reason
 for re-disclosure to allow for fee increases based on a valid change of circumstance
 and was timely provided within 3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

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**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

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**COMPLIANCE RESULTS SUMMARY**

11 mortgage loans reviewed by AMC have a Compliance grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

12 mortgage loans reviewed by AMC have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

12 mortgage loans have a Property grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

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**OVERALL REVIEW RESULTS SUMMARY**

All 12 mortgage loans reviewed by AMC have an Overall grade of "B" or higher and 91.67% of the loans by number have an Overall grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**1** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 12 mortgage loans reviewed, 12 mortgage loans had 26 different tape discrepancies across 8 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Decision System and Property Type.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;12 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**9.81%** | &nbsp;&nbsp;**12** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3232037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3232037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$162000.00 | &nbsp;&nbsp;5.01% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$640000.00 | &nbsp;&nbsp;19.80% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$2430037.00 | &nbsp;&nbsp;75.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3232037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;4 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$810920.00 | &nbsp;&nbsp;25.09% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;5 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;$1548325.00 | &nbsp;&nbsp;47.91% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$656792.00 | &nbsp;&nbsp;20.32% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$216000.00 | &nbsp;&nbsp;6.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3232037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3232037.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

## Exhibit 99.2

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.2**

![](situs-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/20/2025 12:44:17 PM** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50908 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50909 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50910 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50911 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50912 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50913 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50914 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50915 |  | A |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50916 |  | A D |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50917 |  | C A D |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50918 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50919 |  | A |

---

## Exhibit 99.3

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.3**

![](situs-logo.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 11/20/2025 12:44:17 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan 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** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50910 | 34146402 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | 1) Provide revised CD - Seller name to match the Purchase Contract, 1004 and Title. Seller name reflects [redacted]. |  |  |  | Reviewer Comment (2025-07-16): Received PCCD with seller name per purchase contract, 1004 and title. Exception Cleared<br>Buyer Comment (2025-07-15): PCCD | 07/16/2025 |  |  | 1 A |  | NC | Investment | Purchase | A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50916 | 34393037 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Not Eligible for Collateral [redacted] and LCA Risk is [redacted]. CDA is required and was not provided. |  |  |  | Reviewer Comment (2025-08-08): Received CDA Exception Cleared<br>Buyer Comment (2025-08-06): cda | 08/08/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50917 | 34393039 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Loan Collateral Advisor (LCA) Risk could not be assessed. The file is missing the CDA required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-19): CDA is provided in file of subject property. Exception cleared<br>Buyer Comment (2025-08-18): CDA | 08/19/2025 |  |  | 1 D A |  | IL | Investment | Purchase | D A C |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50917 | 34393040 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Interest rate discrepancy. |  | AUS report require to be updated with correct interest rate as [redacted]%. AUS report show interest rate as [redacted]%. |  |  |  | Reviewer Comment (2025-08-14): Received AUS with note rate change to [redacted]. Exception cleared<br>Buyer Comment (2025-08-13): AUS | 08/14/2025 |  |  | 1 C A |  | IL | Investment | Purchase | D A C |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50918 | 34662196 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report date is [redacted] which is within [redacted] day of the note date [redacted]. |  |  |  | Buyer Comment (2025-08-20): Acknowledged non material [redacted] |  |  | 08/20/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50909 | 34662199 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing and was required. |  |  |  | Reviewer Comment (2025-09-02): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (2025-08-28): Please see attached fraud report for condition review. | 09/02/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50912 | 34662207 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in the file for borrower. |  |  |  | Reviewer Comment (2025-09-16): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-09-15): fraud report | 09/16/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50912 | 34662208 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A [redacted] day pre-closing verification of employment is missing at time of review. |  |  |  | Reviewer Comment (2025-09-17): Agency guideline allows for Paystubs to be used in lieu of VVOE if dated [redacted] days prior to closing. Provided paystub is of [redacted] which suffice the requirement. Exception cleared.<br>Buyer Comment (2025-09-16): paystub<br>Buyer Comment (2025-09-16): per seller: Agency guideline allows for Paystubs to be used in lieu of VVOE if dated [redacted] days prior to closing. | 09/17/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |

---

## Exhibit 99.4

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.4**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 11/20/2025 12:44:17 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50917 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50912 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | GCAT2025INV50911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |

---

## Exhibit 99.5

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.5**

![](situs-logo.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 11/20/2025 12:55:05 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50913 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50913 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50913 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50908 | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted} | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50908 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50910 | Zip | [Redacted] | [Redacted} | Verified | Field Value reflects Zip per Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50910 | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted} | Verified | Field Value DTI is within tolerance of 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50915 | Borrower First Name | [Redacted] | [Redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50915 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50916 | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted} | Verified | Within tolerance of 1008 DTI of [Redacted] |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50916 | Borrower First Name | [Redacted] | [Redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50914 | City | [Redacted] | [Redacted} | Verified | Field Value reflects City per Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50914 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50914 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50917 | Borrower First Name | [Redacted] | [Redacted} | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50917 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50919 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50919 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50918 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50918 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50909 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50909 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50912 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50912 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50911 | Note Date |  | [Redacted} | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | GCAT2025INV50911 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.6

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.6**

![](ex997001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage III LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from December 2024 through November 2025 on mortgage loans with origination dates from September 2024 through October 2025 via files imaged and provided by the Client for review.

**(2) Sample size of the assets reviewed.**

The total population of the Review covered 633 mortgage loans totaling an aggregate original principal balance of approximately $248.929 million.

**(3) Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

**<u>CREDIT SCOPE (633 Mortgage Loans):</u>**

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**(6) Value of collateral securing the assets: review and methodology.** 

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines, (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

**<u>COMPLIANCE SCOPE (633 Mortgage Loans)</u>**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

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&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, AMC reviewed the relevant documents in the mortgage loan file and, as
 necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
 governing policies and procedures of the mortgage loan originator. In the absence of
 the mortgage loan originator compensation agreement and/or governing policies and procedures,
 AMC's review was limited to formal general statements of entity compliance provided
 by the mortgage loan originator, if any. These statements, for example, were in the form
 of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

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ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that each revised LE is accompanied by valid written documentation explaining the reason
 for re-disclosure to allow for fee increases based on a valid change of circumstance
 and was timely provided within 3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

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vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

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**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review** 

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review** 

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review** 

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.** 

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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**SUMMARY OF FINDINGS AND CONCLUSIONS** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;605 | &nbsp;&nbsp;605 | &nbsp;&nbsp;611 | &nbsp;&nbsp;562 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;20 | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**633** |
| &nbsp;&nbsp; **Loan Grades (% of Loans)** | &nbsp;&nbsp; **Loan Grades (% of Loans)** | &nbsp;&nbsp; **Loan Grades (% of Loans)** | &nbsp;&nbsp; **Loan Grades (% of Loans)** | &nbsp;&nbsp; **Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95.58% | &nbsp;&nbsp;95.58% | &nbsp;&nbsp;96.52% | &nbsp;&nbsp;88.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4.42% | &nbsp;&nbsp;4.42% | &nbsp;&nbsp;3.16% | &nbsp;&nbsp;10.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***38*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***38*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp; ***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***20*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;***88*** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 633 mortgage loans reviewed, 190 mortgage loans had 534 different tape discrepancies across 25 data fields (some mortgage loans had more than one data delta). The largest variances were found on Amortization Term, Amortization Type, Lien Position and Original Term.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;132 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;80 | &nbsp;&nbsp;413 | &nbsp;&nbsp;19.37% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;79 | &nbsp;&nbsp;413 | &nbsp;&nbsp;19.13% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;179 | &nbsp;&nbsp;3.35% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;42 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;322 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;15 | &nbsp;&nbsp;25 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;311 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;19 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;141 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;56 | &nbsp;&nbsp;89 | &nbsp;&nbsp;62.92% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;59 | &nbsp;&nbsp;606 | &nbsp;&nbsp;9.74% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;79 | &nbsp;&nbsp;133 | &nbsp;&nbsp;59.40% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;130 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;131 | &nbsp;&nbsp;5.34% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;633 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;631 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;311 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;311 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;633 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;79 | &nbsp;&nbsp;311 | &nbsp;&nbsp;25.40% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;52 | &nbsp;&nbsp;5.77% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;41 | &nbsp;&nbsp;633 | &nbsp;&nbsp;6.48% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;633 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;311 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;10 | &nbsp;&nbsp;633 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;633 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**534** | &nbsp;&nbsp;**8891** | &nbsp;&nbsp;**6.01%** | &nbsp;&nbsp;**633** |

---

12 \| P a g e

![](ex997001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;633 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248929464.10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;633 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248929464.10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;75 | &nbsp;&nbsp;11.85% | &nbsp;&nbsp;$31997385.00 | &nbsp;&nbsp;12.85% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$1592364.00 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;$3482009.00 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;514 | &nbsp;&nbsp;81.20% | &nbsp;&nbsp;$193289667.10 | &nbsp;&nbsp;77.65% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;$18568039.00 | &nbsp;&nbsp;7.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;633 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248929464.10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;232 | &nbsp;&nbsp;36.65% | &nbsp;&nbsp;$107256070.60 | &nbsp;&nbsp;43.09% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;62 | &nbsp;&nbsp;9.79% | &nbsp;&nbsp;$20011261.00 | &nbsp;&nbsp;8.04% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$942800.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;290 | &nbsp;&nbsp;45.81% | &nbsp;&nbsp;$98098250.50 | &nbsp;&nbsp;39.41% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.74% | &nbsp;&nbsp;$2976453.00 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.48% | &nbsp;&nbsp;$11433329.00 | &nbsp;&nbsp;4.59% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$1351150.00 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;$6860150.00 | &nbsp;&nbsp;2.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;495 | &nbsp;&nbsp;78.20% | &nbsp;&nbsp;$195431627.10 | &nbsp;&nbsp;78.51% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;138 | &nbsp;&nbsp;21.80% | &nbsp;&nbsp;$53497837.00 | &nbsp;&nbsp;21.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;633 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248929464.10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**633** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248929464.10** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.7

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.7**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Moody's** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | GCAT2025INV50603 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50602 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50601 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50600 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50599 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50356 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50374 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50409 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50423 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50421 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50381 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50385 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50352 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50364 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50365 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50414 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50410 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50388 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50415 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50427 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50413 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50391 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50395 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50353 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50403 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50351 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50366 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50396 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50367 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50368 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50360 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50348 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50370 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50354 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50355 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50359 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50371 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50372 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50349 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50350 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50416 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50424 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50375 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50357 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50369 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50398 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50404 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50382 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50389 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50378 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50406 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50390 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50358 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50397 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50347 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50392 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50379 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50420 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50376 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50380 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50422 |  |  |  |  | A | B | C | C | C | A | B | A | B |  |
|  | GCAT2025INV50361 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50384 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50428 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50430 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50429 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50419 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50418 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50425 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50387 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50399 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50400 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50393 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50386 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50426 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50412 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50401 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50407 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50394 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50377 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50411 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50362 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50405 |  |  |  |  | C | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50363 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50408 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50346 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50383 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50373 |  |  |  |  | C | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50402 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50417 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50432 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50446 |  |  |  |  | B | C | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50447 |  |  |  |  | B | B | A | A | B | B | B | A | B |  |
|  | GCAT2025INV50438 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50437 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50436 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50443 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50444 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50445 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50442 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50451 |  |  |  |  | C | A | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50450 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50452 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50440 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50448 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50439 |  |  |  |  | C | C | A | A | C | A | B | A | B |  |
|  | GCAT2025INV50454 |  |  |  |  | B | C | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50456 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50449 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50453 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50455 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50457 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50441 |  |  |  |  | C | C | A | A | C | A | B | A | B |  |
|  | GCAT2025INV50459 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50460 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50458 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50469 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50482 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50484 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50434 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50497 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50493 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50462 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50485 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50489 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50503 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50570 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50475 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50494 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50511 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50573 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50512 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50518 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50520 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50537 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50549 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50541 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50556 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50561 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50551 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50514 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50554 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50524 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50523 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50552 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50558 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50550 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50544 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50531 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50543 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50538 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50574 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50519 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50575 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50515 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50553 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50534 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50559 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50557 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50539 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50533 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50555 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50545 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50535 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50507 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50522 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50528 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50562 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50532 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50529 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50513 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50540 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50525 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50546 |  |  |  |  | C | A | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50527 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50536 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50516 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50576 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50510 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50547 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50548 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50577 |  |  |  |  | C | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50526 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50560 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50530 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50542 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50521 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50517 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50578 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50508 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50509 |  |  |  |  | C | A | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50579 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50596 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50498 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50486 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50433 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50431 |  |  |  |  | A | A | D | D | D | A | A B | A | A B |  |
|  | GCAT2025INV50470 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50343 |  |  |  |  | A | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50474 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50344 |  |  |  |  | A | B | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50481 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50435 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50569 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50461 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50463 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50341 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50472 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50473 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50342 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50480 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50345 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50464 |  |  |  |  | C | B | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50492 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50476 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50468 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50471 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50478 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50585 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50496 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50583 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50591 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50467 |  |  |  |  | A | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50586 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50479 |  |  |  |  | C | D | A | A | D | A | A | A | A |  |
|  | GCAT2025INV50567 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50580 |  |  |  |  | A | A | B | B | B | A | A | B | B |  |
|  | GCAT2025INV50588 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50584 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50504 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50500 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50495 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50565 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50336 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50593 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50564 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50466 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50007 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50309 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50002 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50488 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50581 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50502 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50589 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50595 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50587 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50582 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50590 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50592 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50563 |  |  |  |  | C | C | D B | C D | D C | A | A | B | B |  |
|  | GCAT2025INV50465 |  |  |  |  | C | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50490 |  |  |  |  | D | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50491 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50598 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50505 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50499 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50506 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50568 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50594 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50001 |  |  |  |  | D | C | A | A | D | A | A | A | A |  |
|  | GCAT2025INV50572 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50501 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50337 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50308 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50311 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50003 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50307 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50006 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50008 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50571 |  |  |  |  | C | C | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50566 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50608 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50616 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50314 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50315 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50316 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50317 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50318 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50922 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50319 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50320 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50321 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50921 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50322 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50323 |  |  |  |  | C | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50324 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50325 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50326 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50327 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50328 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50329 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50330 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50331 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50332 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50333 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50334 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50335 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50920 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50621 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50338 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50310 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50005 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50339 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50340 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50313 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50004 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50009 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50597 |  |  |  |  | A | B | B | B | B | A | B | B | B |  |
|  | GCAT2025INV50312 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50606 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50625 |  |  |  |  | D | A | A | A | D | A | A | A | A |  |
|  | GCAT2025INV50617 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50620 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50630 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50619 |  |  |  |  | A | A | C | C | C | A | A | A | A |  |
|  | GCAT2025INV50605 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50623 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50615 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50610 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50622 |  |  |  |  | A | A | B | B | B | A | A | B | B |  |
|  | GCAT2025INV50614 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50292 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50269 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50011 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50113 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50110 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50018 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50266 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50293 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50027 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50103 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50031 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50100 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50250 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50294 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50093 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50040 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50295 |  |  |  |  | A | A | D B | C D | D B C | A | A | A | A |  |
|  | GCAT2025INV50090 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50054 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50296 |  |  |  |  | A | B | D | D | D | A | B | B | B |  |
|  | GCAT2025INV50298 |  |  |  |  | A | A | D | D | D | A | A | B | B |  |
|  | GCAT2025INV50059 |  |  |  |  | A | B | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50122 |  |  |  |  | C | B | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50124 |  |  |  |  | A | C | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50126 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50302 |  |  |  |  | A | A | D B | C D | D B C | A | A | C B | C B |  |
|  | GCAT2025INV50299 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50078 |  |  |  |  | A | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50300 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50063 |  |  |  |  | A | C | A | A | C | A | B | A | B |  |
|  | GCAT2025INV50069 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50131 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50301 |  |  |  |  | A | C | D B | C D | D C | A | A | B | B |  |
|  | GCAT2025INV50303 |  |  |  |  | C | C | D B | C D | D C | A | B | B | B |  |
|  | GCAT2025INV50146 |  |  |  |  | A | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50152 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50164 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50156 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50160 |  |  |  |  | B | C | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50161 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50279 |  |  |  |  | C | B | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50304 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50185 |  |  |  |  | A | B | A | A | B | A | B | A | B |  |
|  | GCAT2025INV50284 |  |  |  |  | B | B | A | A | B | B | B | A | B |  |
|  | GCAT2025INV50282 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50305 |  |  |  |  | A | B | D B | C D | D B C | A | B | B | B |  |
|  | GCAT2025INV50190 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50306 |  |  |  |  | A | A | D B | C D | D B C | A | A | B | B |  |
|  | GCAT2025INV50204 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50209 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50210 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50211 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50215 |  |  |  |  | A | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50220 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50221 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50223 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50224 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50139 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50138 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50137 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50136 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50135 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50225 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50120 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50119 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50239 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50010 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50118 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50117 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50238 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50012 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50013 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50268 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50116 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50237 |  |  |  |  | C | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50267 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50014 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50115 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50114 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50015 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50016 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50112 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50017 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50111 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50109 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50108 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50107 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50106 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50226 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50019 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50020 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50021 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50249 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50022 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50291 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50265 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50105 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50023 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50024 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50025 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50026 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50028 |  |  |  |  | B | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50104 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50029 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50030 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50102 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50101 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50290 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50099 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50098 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50227 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50228 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50229 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50097 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50096 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50095 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50094 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50032 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50033 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50251 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50034 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50035 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50036 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50037 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50038 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50230 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50289 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50092 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50039 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50091 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50041 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50042 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50043 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50044 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50231 |  |  |  |  | B | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50264 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50252 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50253 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50089 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50045 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50046 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50088 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50087 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50047 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50048 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50049 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50232 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50086 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50085 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50254 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50263 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50084 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50050 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50262 |  |  |  |  | C | A | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50051 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50052 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50255 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50053 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50055 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50297 |  |  |  |  | A | A | D | D | D | A | A | B | B |  |
|  | GCAT2025INV50083 |  |  |  |  | C | A | A | N/A | C | A | A | A | A |  |
|  | GCAT2025INV50056 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50057 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50256 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50233 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50257 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50058 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50082 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50236 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50081 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50080 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50060 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50258 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50273 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50079 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50121 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50123 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50125 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50270 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50261 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50127 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50240 |  |  |  |  | C | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50128 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50234 |  |  |  |  | A | A | D | D | D | A | A | A B | A B |  |
|  | GCAT2025INV50061 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50260 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50077 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50062 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50064 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50065 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50066 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50067 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50068 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50070 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50259 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50071 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50072 |  |  |  |  | C | A | A | A | C | B | A | A | B |  |
|  | GCAT2025INV50271 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50129 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50130 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50132 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50133 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50241 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50242 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50134 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50272 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50073 |  |  |  |  | A | C | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50235 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50074 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50075 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50076 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50140 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50141 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50142 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50143 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50144 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50145 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50243 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50244 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50147 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50245 |  |  |  |  | B | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50148 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50149 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50150 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50151 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50274 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50275 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50153 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50154 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50165 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50166 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50167 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50155 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50157 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50246 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50158 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50276 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50277 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50159 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50278 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50162 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50163 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50168 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50169 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50170 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50179 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50180 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50181 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50182 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50171 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50172 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50173 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50174 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50175 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50176 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50177 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50178 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50183 |  |  |  |  | A | A | D | D | D | A | A | A B | A B |  |
|  | GCAT2025INV50184 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50196 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50197 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50198 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50186 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50187 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50280 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50281 |  |  |  |  | B | A | A | A | B | B | A | A | B |  |
|  | GCAT2025INV50247 |  |  |  |  | B | A | D | D | D | B | A | A | B |  |
|  | GCAT2025INV50283 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50188 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50189 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50191 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50192 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50193 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50194 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50195 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50199 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50285 |  |  |  |  | B | A | A | A | B | A | A | A | A |  |
|  | GCAT2025INV50200 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50201 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50202 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50203 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50205 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50286 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50206 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50207 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50208 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50288 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50212 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50248 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50213 |  |  |  |  | D | A | D | D | D | B | A | C | C |  |
|  | GCAT2025INV50214 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50287 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50216 |  |  |  |  | A | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50217 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50219 |  |  |  |  | A | A | D | D | D | A | A | A B | A B |  |
|  | GCAT2025INV50222 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50218 |  |  |  |  | C | A | D | D | D | A | A | A | A |  |
|  | GCAT2025INV50624 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50631 |  |  |  |  | A | C | A | A | C | A | B | A | B |  |
|  | GCAT2025INV50629 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50626 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50612 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50632 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50611 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50604 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50628 |  |  |  |  | A | C | D | D | D | A | B | A | B |  |
|  | GCAT2025INV50613 |  |  |  |  | B | A | A | A | B | A | A | A | A |  |
|  | GCAT2025INV50618 |  |  |  |  | C | C | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50633 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |
|  | GCAT2025INV50627 |  |  |  |  | A | A | B | B | B | A | A | B | B |  |
|  | GCAT2025INV50609 |  |  |  |  | A | A | A | A | A | A | A | A | A |  |
|  | GCAT2025INV50607 |  |  |  |  | C | A | A | A | C | A | A | A | A |  |

---

## Exhibit 99.8

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.8**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan 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** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
|  | GCAT2025INV50603 |  |  |  | 32463676 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide a copy of Fraud Report |  |  |  | Reviewer Comment (2025-01-07): The fraud report was received. | 01/07/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50603 |  |  |  | 32463686 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-01-28): A [Redacted] was provided.<br>Seller Comment (2025-01-28): [Redacted] | 01/28/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50602 |  |  |  | 32459143 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted]is not in images. |  |  |  | Reviewer Comment (2025-01-17): A Completion Cert was provided.<br>Seller Comment (2025-01-10): Lender/builder alternative | 01/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50602 |  |  |  | 32459152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-01-07): The fraud report was received. | 01/07/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50601 |  |  |  | 32462626 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file is missing a copy of the Fraud Report report. |  |  |  | Reviewer Comment (2025-01-17): A Completion Cert was provided.<br>Seller Comment (2025-01-10): Builder alternative | 01/17/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50601 |  |  |  | 32462638 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud report. |  |  |  | Reviewer Comment (2025-01-07): The fraud report was received. | 01/07/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50600 |  |  |  | 32430661 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a Fraud Report disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] |  |  |  | Reviewer Comment (2025-01-28): A PDI was provided, and there was no visible damage.<br>Seller Comment (2025-01-28): PDI | 01/28/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50600 |  |  |  | 32430737 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-01-07): The fraud report was received. | 01/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50600 |  |  |  | 32430961 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the HOA document. |  |  |  | Reviewer Comment (2025-01-03): The HOA verification was provided.<br>Seller Comment (2025-01-03): HOA<br>Reviewer Comment (2024-12-27): We still need verification of the HOA monthly amount.<br>Seller Comment (2024-12-24): Primary | 01/03/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50599 |  |  |  | 32460467 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-01-10): Evidence that the agent used a replacement cost estimator to determine the replacement cost was provided.<br>Seller Comment (2025-01-09): .<br>Reviewer Comment (2025-01-08): Please provide evidence that the coverage is equal to [Redacted] % of the replacement cost value of the improvements, which is $[Redacted] .<br>Seller Comment (2025-01-08): HOI response<br>Reviewer Comment (2025-01-06): The HOI document was not found in the trailing documents.<br>Seller Comment (2025-01-03): HOI | 01/10/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50599 |  |  |  | 32460489 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-01-13): An updated BPO was received. | 01/13/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50599 |  |  |  | 32460504 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the fraud report. |  |  |  | Reviewer Comment (2025-01-07): The fraud report was received. | 01/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50599 |  |  |  | 32514896 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | The file was missing a copy of the [Redacted] Rent Comparison Schedule. |  |  |  | Reviewer Comment (2025-01-17): An appraisal with a [Redacted] was provided.<br>Seller Comment (2025-01-16): appraisal with [Redacted]<br>Reviewer Comment (2025-01-06): Per the AUS and [Redacted] , both have the subject property's negative cash flow of $[Redacted] . The total PITIA for the subject is $[Redacted] which is not being used to qualify.<br>Seller Comment (2025-01-03): [Redacted] response | 01/17/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50599 |  |  |  | 32551104 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-01-24): BPO provided.<br>Reviewer Comment (2025-01-05): Valuation Received - [Redacted] | 01/24/2025 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50599 |  |  |  | 32632583 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | BPO value is $[Redacted] which [Redacted] % less than the appraised value of $[Redacted]. |  |  |  | Reviewer Comment (2025-01-24): BPO provided supports the value within [Redacted] %. | 01/24/2025 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A | No |
|  | GCAT2025INV50356 |  |  |  | 33848239 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted]is not in images. |  |  |  | Reviewer Comment (2025-07-30): Homebuyer Inspection & Acknowledgement of Completion with photos was provided.<br>Seller Comment (2025-07-30): final | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50356 |  |  |  | 33848257 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file does not contain the copy of the Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50374 |  |  |  | 33847388 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50409 |  |  |  | 33845751 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50409 |  |  |  | 33845791 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-01): [Redacted] Completion Cert was provided.<br>Seller Comment (2025-07-31): [Redacted]<br>Reviewer Comment (2025-07-21): The client will need to determine what is required.<br>Seller Comment (2025-07-18): Invalid request - Appraisal is subject to landscaping only - no structural or safety issues noted. | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50421 |  |  |  | 33846951 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50381 |  |  |  | 33847664 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50385 |  |  |  | 33847014 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50385 |  |  |  | 33847035 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-08-04): An updated title commitment with a disclosed amount of insurance of $[Redacted] was provided.<br>Seller Comment (2025-07-31): title | 08/04/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50352 |  |  |  | 33846924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50364 |  |  |  | 33846977 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-07-30): The [Redacted] was provided.<br>Seller Comment (2025-07-30): [Redacted]<br>Reviewer Comment (2025-07-21): A [Redacted] is required.<br>Seller Comment (2025-07-18): The property is new contruction with no deferred maintenance issues. The property interior and exterior is approximately [Redacted] % complete. (Appliances not installed - No structural or safety issues noted | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50364 |  |  |  | 33846978 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50365 |  |  |  | 33846450 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-29): BPO was received. | 07/29/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50365 |  |  |  | 33846485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50365 |  |  |  | 34031050 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-25): Valuation Received - [Redacted] | 07/28/2025 |  |  | 1 A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50414 |  |  |  | 33854667 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50414 |  |  |  | 34137834 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-08-11): PDI was provided with no visible damage.<br>Seller Comment (2025-08-08): PDI | 08/11/2025 |  |  | 1 A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50410 |  |  |  | 33962124 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50388 |  |  |  | 33960650 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report document is missing in the file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50415 |  |  |  | 33851900 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50427 |  |  |  | 33853501 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50413 |  |  |  | 33960571 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE issued [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure issued [Redacted].. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | AZ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50413 |  |  |  | 34022643 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to points and fees failure, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-08-01): Rate Sheet was provided<br>Seller Comment (2025-08-01): rate sheet | 08/01/2025 |  |  | 1 B A C |  | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50413 |  |  |  | 34022644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage [Redacted]: 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]%). | Rate lock is missing to allow for full tesing. |  |  |  | Reviewer Comment (2025-08-01): Rate Sheet was provided<br>Seller Comment (2025-08-01): rate sheet | 08/01/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50391 |  |  |  | 33854560 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was provided. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50391 |  |  |  | 33868424 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing [Redacted] consecutive months of bank statements for submitted assets per AUS. |  |  |  | Reviewer Comment (2025-07-30): The additional month bank statement was provided.<br>Seller Comment (2025-07-30): BS<br>Reviewer Comment (2025-07-21): Missing the [Redacted] hrough [Redacted] statement for [Redacted] . And [Redacted] consecutive months for both Stock accounts.<br>Seller Comment (2025-07-18): Bank Statements | 07/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50395 |  |  |  | 33854278 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50353 |  |  |  | 33851003 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
|  | GCAT2025INV50403 |  |  |  | 33962369 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50403 |  |  |  | 33962566 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is missing. |  |  |  | Reviewer Comment (2025-08-04): The [Redacted] was received<br>Seller Comment (2025-08-04): [Redacted] | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50351 |  |  |  | 33956298 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50351 |  |  |  | 33956337 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted]is not in images. |  |  |  | Reviewer Comment (2025-08-04): A Completion Cert was received.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50366 |  |  |  | 33960623 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared. | 07/29/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50366 |  |  |  | 33960657 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50366 |  |  |  | 34031051 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-27): Valuation Received - [Redacted] | 07/29/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50396 |  |  |  | 33960093 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50367 |  |  |  | 33965923 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Investor to provide fraud report, nothing required from lender. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50368 |  |  |  | 33958831 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50360 |  |  |  | 33960799 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50360 |  |  |  | 33960821 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. document not provided |  |  |  | Reviewer Comment (2025-08-04): The completion cert was received.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50348 |  |  |  | 33957011 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): A fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50348 |  |  |  | 33957014 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be inspected. |  |  |  | Reviewer Comment (2025-08-15): A PDI was provided.<br>Seller Comment (2025-08-14): PDI | 08/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50370 |  |  |  | 33966630 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Investor to provide fraud report, nothing required from lender. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50354 |  |  |  | 33959890 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Investor to provide fraud report,nothing required from lender. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was provided. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50355 |  |  |  | 33972417 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50359 |  |  |  | 33970689 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was provided. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50359 |  |  |  | 33971010 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Missing VOE dated ([Redacted]) within [Redacted]days for employment for [Redacted] |  |  |  | Reviewer Comment (2025-08-19): An email dated [Redacted] states the borrower is still active as of that date.<br>Reviewer Comment (2025-08-04): The Client will need to determine if the email is sufficient.<br>Seller Comment (2025-08-04): [Redacted] responded with still active as opposed to completing the form. This is sufficient<br>Reviewer Comment (2025-07-30): The email states that a Form was completed for continued employment.<br>Seller Comment (2025-07-30): Invalid - re-verification via email on [Redacted] | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50359 |  |  |  | 34020359 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE dated ([Redacted]) within [Redacted]days for employment for [Redacted] |  |  |  | Reviewer Comment (2025-08-19): An email dated [Redacted] States the borrower is still active as of that date.<br>Reviewer Comment (2025-08-04): The Client will need to determine if the email is sufficient.<br>Seller Comment (2025-08-04): [Redacted] responded with still active as opposed to completing the form. This is sufficient<br>Reviewer Comment (2025-07-30): The email states that a Form was completed for continued employment.<br>Seller Comment (2025-07-30): Invalid - re-verification via email on [Redacted] | 08/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50371 |  |  |  | 33959343 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50372 |  |  |  | 33959846 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50349 |  |  |  | 33959927 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): A fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50349 |  |  |  | 33959952 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. |  |  |  | Reviewer Comment (2025-08-15): A PDI was provided with no visible damage<br>Seller Comment (2025-08-14): PDI | 08/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50350 |  |  |  | 33963677 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50416 |  |  |  | 33960556 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-04): A BPO was received. | 08/04/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50416 |  |  |  | 33960568 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): A Fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50416 |  |  |  | 34031054 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-08-04): A BPO was received.<br>Reviewer Comment (2025-08-04): Valuation Received - [Redacted] | 08/04/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50424 |  |  |  | 33961164 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted](APOR). | Loan is testing a a Higher Priced loan, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-08-07): SHQM (APOR)<br>Seller Comment (2025-08-07): QM documents uploaded | 08/07/2025 |  |  | 1 B A C |  | OR | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50424 |  |  |  | 33961165 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page[Redacted] hat does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]) |  |  |  | Reviewer Comment (2025-08-07): Not under disclosed.<br>Reviewer Comment (2025-08-04): Per provided amortization chart, disclosed finance charge is due to terminate at [Redacted] LTV or after payment [Redacted] . [Redacted] cert does not indicate an automatic termination and reviewed finance charge does not terminate. Please provide documentation of contractual [Redacted] termination event for further review.<br>Seller Comment (2025-08-04): [Redacted] Pass<br>Seller Comment (2025-08-04): Not Valid - [Redacted] passes | 08/07/2025 |  |  | 1 C A |  | OR | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50424 |  |  |  | 33961166 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted]did not disclose an MI payment in the [Redacted]payment stream. |  |  |  | Reviewer Comment (2025-08-07): No violation. | 08/07/2025 |  |  | 1 C A |  | OR | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50424 |  |  |  | 33961167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page[Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. |  |  |  | Reviewer Comment (2025-08-07): No violation.<br>Reviewer Comment (2025-08-04): Per provided amortization chart, disclosed finance charge is due to terminate at [Redacted]% LTV or after payment [Redacted]. MI cert does not indicate an automatic termination and reviewed finance charge does not terminate. Please provide documentation of contractual MI termination event for further review.<br>Seller Comment (2025-08-04): [Redacted] Pass | 08/07/2025 |  |  | 1 C A |  | OR | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50375 |  |  |  | 33967535 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50357 |  |  |  | 33964984 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50369 |  |  |  | 33962329 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50398 |  |  |  | 33974039 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Insurance Verification and Tax Verification for [Redacted] |  |  |  | Reviewer Comment (2025-08-04): The document provided shows that the primary is a [Redacted] - unit property, so all taxes and insurance are combined.<br>Seller Comment (2025-08-04): The property located at [Redacted] is a [Redacted] unit dwelling as reflected in the attached [Redacted] listing. The borrower's live in [Redacted] and rent the other [Redacted] . Each unit was reported on the [Redacted] individually which makes it appear as if they are four separate dwellings. The property is secured by [Redacted] and the taxes and insurance are escrowed. Please see attached supporting documents. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50398 |  |  |  | 33974040 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Insurance Verification and Tax Verification for [Redacted] |  |  |  | Reviewer Comment (2025-08-04): The document provided shows that the primary is a[Redacted] - unit property, so all taxes and insurance are combined. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50398 |  |  |  | 33974047 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): A fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50404 |  |  |  | 33965059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50382 |  |  |  | 33972030 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TN | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50389 |  |  |  | 33962564 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50378 |  |  |  | 33962688 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared. | 07/29/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50378 |  |  |  | 33962798 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50378 |  |  |  | 34031055 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-28): Valuation Received - [Redacted] | 07/29/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50406 |  |  |  | 33959403 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50390 |  |  |  | 33967851 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50358 |  |  |  | 33965362 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50397 |  |  |  | 33964950 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50347 |  |  |  | 33986135 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50392 |  |  |  | 33962238 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50379 |  |  |  | 33959858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50420 |  |  |  | 33969907 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | [Redacted] family rider is missing in file. |  |  |  | Reviewer Comment (2025-08-05): The Recorded DOT with the [Redacted] Family Rider was provided.<br>Seller Comment (2025-08-05): Recorded DOT with rider | 08/05/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50376 |  |  |  | 33962359 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50376 |  |  |  | 33962373 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50380 |  |  |  | 33969826 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): A fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50422 |  |  |  | 33967612 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  |  |  |  |  |  | 08/15/2025 |  |  | 1 C A |  | OH | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50422 |  |  |  | 33967634 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [Redacted]: Borrower not provided Right Not To Close Disclosure. |  |  |  |  | Reviewer Comment (2025-11-12): Waived. |  |  | 11/12/2025 | 2 B |  | OH | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50422 |  |  |  | 33967635 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 07/18/2025 |  | 1 A |  | OH | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50361 |  |  |  | 33968527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Investor to provide fraud report, nothing required from lender. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50384 |  |  |  | 33961157 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50428 |  |  |  | 33971501 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | A Fraud report is missing for both of the borrowers. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50430 |  |  |  | 33969122 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-04): The Completion Cert was provided.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50430 |  |  |  | 33969129 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50419 |  |  |  | 33970439 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | CO | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50419 |  |  |  | 33971249 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Appraisal was provided. Secondary valuation from the subject transaction is missing. |  |  |  | Reviewer Comment (2025-07-29): CDA was received | 07/29/2025 |  |  | 1 D A |  | CO | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50419 |  |  |  | 34050353 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-29): Valuation Received -[Redacted] | 07/30/2025 |  |  | 1 A |  | CO | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50418 |  |  |  | 33962297 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50387 |  |  |  | 33969193 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-06): A Completion Inspection was provided.<br>Seller Comment (2025-08-06): Completion | 08/06/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50387 |  |  |  | 33969236 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a Fraud report for both borrowers. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50399 |  |  |  | 33963678 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50399 |  |  |  | 33963709 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal is subject to completion and the 442 completion cert was not provided. |  |  |  | Reviewer Comment (2025-08-26): The [Redacted] was provided.<br>Seller Comment (2025-08-26): Completion | 08/26/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50400 |  |  |  | 33967488 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in file |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50393 |  |  |  | 33966581 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 33971153 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance Verification, Statement & Tax Verification for [Redacted] |  |  |  | Reviewer Comment (2025-08-04): The missing REO docs were provided.<br>Seller Comment (2025-08-04): REO | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 33971169 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance Verification, Statement & Tax Verification for [Redacted]. |  |  |  | Reviewer Comment (2025-07-30): The missing REO docs were provided.<br>Seller Comment (2025-07-30): Tax<br>Seller Comment (2025-07-30): REO docs | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 33971180 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a Fraud Report for both borrowers. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 34007845 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [Redacted] verification of employment date[Redacted]is not within [Redacted] business days of Closing |  |  |  | Reviewer Comment (2025-07-30): The Work Number to verify employment was provided, and the LP states that this is acceptable if the loan closes before [Redacted]<br>Seller Comment (2025-07-30): VOE and LP approving [Redacted] | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 34007846 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | [Redacted] verification of employment date[Redacted] is not within [Redacted]business days of Closing |  |  |  | Reviewer Comment (2025-07-30): The Work Number to verify employment was provided, and the LP states that this is acceptable if the loan closes before [Redacted]<br>Seller Comment (2025-07-30): VOE and LP approving [Redacted] | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50386 |  |  |  | 34036152 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing VVOE within [Redacted]business days of the Note. |  |  |  | Reviewer Comment (2025-07-30): The Work Number to verify employment was provided, and the LP states that this is acceptable if the loan closes before [Redacted]<br>Seller Comment (2025-07-30): VOE and LP approving [Redacted] | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50426 |  |  |  | 33962213 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50412 |  |  |  | 33969498 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50412 |  |  |  | 33969519 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-08-04): The Completion Cert was received.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50401 |  |  |  | 33966983 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Required Fraud report is missing from the file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50401 |  |  |  | 33967025 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Form [Redacted] was missing from the file. |  |  |  | Reviewer Comment (2025-08-04): The [Redacted] was received.<br>Seller Comment (2025-08-04): [Redacted] | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50407 |  |  |  | 34099455 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-11): A completion cert was provided.<br>Seller Comment (2025-08-08): completion | 08/11/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | Exempt from ATR | N/A | No |
|  | GCAT2025INV50407 |  |  |  | 34099457 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-11): Fraud report was provided | 08/11/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | Exempt from ATR | N/A | No |
|  | GCAT2025INV50394 |  |  |  | 33966085 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report for both borrowers. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50394 |  |  |  | 33966102 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-04): The Completion Cert was provided.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50377 |  |  |  | 33968162 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report document is missing in the file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50377 |  |  |  | 33968192 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | [Redacted] Document is missing in the file. |  |  |  | Reviewer Comment (2025-08-11): A completion cert was provided.<br>Seller Comment (2025-08-08): Completion | 08/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50411 |  |  |  | 33974341 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Required Fraud report is missing from file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was provided. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50411 |  |  |  | 33974342 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Form [Redacted]was missing from the file. |  |  |  | Reviewer Comment (2025-08-04): The Completion Cert was received<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50362 |  |  |  | 33970982 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50362 |  |  |  | 33971040 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-08-04): A completion report was provided.<br>Seller Comment (2025-08-04): Completion | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50362 |  |  |  | 33971099 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted]. Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-08-06): A PDI was provided reflecting no damage.<br>Seller Comment (2025-08-06): PDI | 08/06/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50405 |  |  |  | 33967514 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50405 |  |  |  | 33967551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream [Redacted] that does not match the actual payment for the loan. | The final Closing Disclosure was based on current taxes which were not on the fully improved value which is what was used for qualification. |  |  |  | Reviewer Comment (2025-08-11): [Redacted] received additional information and Tax Record info sheet confirms the unimproved amount for [Redacted] .<br>Seller Comment (2025-08-08): You can only collect the current tax rates on the closing disclosure as the improved amount is only estimated. The borrower does have the option to choose improved taxes on the first payment letter | 08/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50363 |  |  |  | 33966667 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50408 |  |  |  | 33966629 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | A Fraud report is missing for both borrowers. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50408 |  |  |  | 34036296 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A VVOE dated within [Redacted] business days of the Note is missing for [Redacted] |  |  |  | Reviewer Comment (2025-07-31): A VVOE was in the file | 07/31/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50346 |  |  |  | 33969827 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50383 |  |  |  | 33974614 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50373 |  |  |  | 33969710 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in the file, |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50373 |  |  |  | 33970338 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization due to UCDP score over [Redacted]. |  |  |  | Reviewer Comment (2025-08-07): Documentation provided; exception cleared. | 08/07/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50373 |  |  |  | 33970449 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream [Redacted] that does not match the actual payment for the loan. | The escrow amount reflected was not based on the documented costs in the file. |  |  |  | Reviewer Comment (2025-08-11): [Redacted] received additional information confirming unimproved property costs for [Redacted] year noted on Tax Info Sheet.<br>Seller Comment (2025-08-08): Property Costs response | 08/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50373 |  |  |  | 34050354 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-08-07): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-06): Valuation Received - [Redacted] | 08/07/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50402 |  |  |  | 34176328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-08-14): The fraud report was received. | 08/14/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50417 |  |  |  | 33970179 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report was missing in the file. |  |  |  | Reviewer Comment (2025-08-04): The fraud report was received. | 08/04/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50417 |  |  |  | 33970204 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | [Redacted] valuation is missing for securitization purposes. |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared. | 07/29/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50417 |  |  |  | 34031062 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-28): Valuation Received - [Redacted] | 07/29/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50417 |  |  |  | 34073584 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | The [Redacted] does not support the appraised value within [Redacted]%. |  |  |  | Reviewer Comment (2025-08-04): An updated BPO was received and the value matches the appraisal | 08/04/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50417 |  |  |  | 34073591 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Square feet on the Appraisal does not match the square feet on the BPO. |  |  |  |  |  | Reviewer Comment (2025-08-04): The square feet was updated, matching the appraisal | 08/04/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50446 |  |  |  | 33964128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-09): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-08): Please see the attached internal screenshots showing that both LEs dated [Redacted] were viewed/received by the borrower on [Redacted] . Please be aware, '[Redacted] denotes the time the LE was viewed/received by the borrower electronically. | 05/09/2025 |  |  | 1 C A |  | CA | Investment | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50446 |  |  |  | 33964129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least[Redacted]business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-09): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-08): Please see the attached internal screenshots showing that both LEs dated[Redacted] were viewed/received by the borrower on [Redacted] Please be aware, [Redacted] denotes the time the LE was viewed/received by the borrower electronically.<br>Buyer Comment (2025-05-08): Please see the attached internal screenshots showing that both LEs dated[Redacted] were viewed/received by the borrower on [Redacted] . Please be aware,[Redacted] denotes the time the LE was viewed/received by the borrower electronically. | 05/09/2025 |  |  | 1 C A |  | CA | Investment | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50446 |  |  |  | 33964132 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-05-08): Seller acknowledges exception, no change to grading. |  |  | 05/08/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50447 |  |  |  | 33964134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-09): Seller acknowledges exception, with no change in grading |  |  | 05/09/2025 | 2 B |  | CA | Investment | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50447 |  |  |  | 33964137 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-05-09): Seller acknowledges exception, with no change in grading |  |  | 05/09/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50438 |  |  |  | 33964140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-12): [Redacted] received valid COC document.<br>Buyer Comment (2025-05-09): Please see the attached CD and CIC form, clients rate was extended changing the discount points. | 05/12/2025 |  |  | 1 C A |  | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50436 |  |  |  | 33964153 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review." |  |  |  | Reviewer Comment (2025-05-16): Received Closing Statement document. Exception Cleared.<br>Buyer Comment (2025-05-15): Please see attached | 05/16/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50443 |  |  |  | 33964155 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-05-12): Seller acknowledges exception, no change to grading. |  |  | 05/12/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50445 |  |  |  | 33964164 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-05): Seller acknowledges exception, no change to grading. |  |  | 06/05/2025 | 2 B |  | NJ | Investment | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50442 |  |  |  | 33964167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-30): Seller acknowledges exception, with no change in grading |  |  | 05/30/2025 | 2 B |  | NC | Investment | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50451 |  |  |  | 33964169 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-06-05): Seller acknowledges the exception, no change to grading. |  |  | 06/05/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50451 |  |  |  | 33964171 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide evidence of the initial withdrawal from the new HELOC. If the wire on [Redacted] for $[Redacted] was from the HELOC, please evidence the same with the final settlement statement or equivalent documentation. |  |  |  | Reviewer Comment (2025-06-06): Provided Closing statement document for the evidence of withdrawal for secured loan, Exception cleared.<br>Buyer Comment (2025-06-05): Please see attached settlement statement for the HELOC confirming the initial draw. Please review to clear this condition. | 06/06/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50450 |  |  |  | 33964174 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[Redacted] on the Loan Estimate, but was disclosed as -$[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received rebuttal and valid COC.<br>Buyer Comment (2025-06-16): Please refer to page [Redacted] of the loan images to document the changes in lender credits. | 06/16/2025 |  |  | 1 C A |  | CO | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50448 |  |  |  | 33964184 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-06-18): seller accepts; no change to grading. |  |  | 06/18/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50439 |  |  |  | 33964188 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-16): Seller acknowledges the exception, no change to grading. |  |  | 06/16/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50439 |  |  |  | 33964189 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  |  |  | Reviewer Comment (2025-06-17): [Redacted] received valid Changed circumstance.<br>Buyer Comment (2025-06-16): Please see the attached screen shots from our LOS appraisal fee tracking item. Fee increase was a result of the complexity required for the review of the [Redacted] rent schedule at [Redacted] | 06/17/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50439 |  |  |  | 33964190 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-17): Received HOA document. Exception Cleared.<br>Buyer Comment (2025-06-16): Please see the attached for the HOA dues. | 06/17/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50439 |  |  |  | 33964191 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] party verification of employment for [Redacted] income was not time stamped. Please provide evidence of when the lender obtained the verification for review |  |  |  | Reviewer Comment (2025-06-17): Received [Redacted] party verification document with Time Stamp. Exception Cleared.<br>Buyer Comment (2025-06-16): Please see the attached screen shot from our LOS documents portal confirming the [Redacted] party verification was obtained on[Redacted] and meets guidelines. | 06/17/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50454 |  |  |  | 33964194 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted] on the [Redacted] Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  |  |  | Reviewer Comment (2025-06-17): [Redacted] received rebuttal and valid COC document<br>Buyer Comment (2025-06-16): Please be advised that rental income from the subject property was first added to the loan for qualifying on [Redacted] which necessitated a [Redacted] appraisal to be ordered to support the rental income, this caused the fee to increase by $[Redacted] dollars for the new appraisal report. The valid CIC is the addition of the rental income. | 06/17/2025 |  |  | 1 C A |  | CA | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50454 |  |  |  | 33964196 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-06-16): Seller acknowledges exception, no change to grading. |  |  | 06/16/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50456 |  |  |  | 33964199 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-06-16): Seller acknowledges exception, no change in grading |  |  | 06/16/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50449 |  |  |  | 33964202 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges exception, no change to grading. |  |  | 06/18/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50457 |  |  |  | 33964210 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-07-02): Seller acknowledges the exception, no change to grading. |  |  | 07/02/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50441 |  |  |  | 33964211 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file was missing the Final Closing Statement for the sale of REO located on [Redacted] to verify the total net equity received and all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-07-03): Executed settlement statement provided. Exception cleared.<br>Buyer Comment (2025-07-02): Please see attached settlement statement for this property. | 07/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50441 |  |  |  | 33964212 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan allows for Partial Payments. | Page [Redacted] of the Final CD disclosed the lender may hold the partial payments in a separate account and also disclosed the lender does not accept any partial payments. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-09): Please see attached redisclosure package curing the issue. |  | 07/09/2025 |  | 2 C B |  | FL | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50441 |  |  |  | 33964215 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-07-10): Electronic consent provided. Exception cleared.<br>Reviewer Comment (2025-07-09): E-sign agreement is not a proper format. Please provide the same. Exception remains.<br>Buyer Comment (2025-07-09): Please see attached E-Consent | 07/10/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50459 |  |  |  | 33964218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] Received Disclosure summary showing<br>Buyer Comment (2025-07-02): Please see attached | 07/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50459 |  |  |  | 33964220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. |  |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received rebuttal and disclosure tracking suffice.<br>Buyer Comment (2025-07-08): The CD you are referring to disclosed on[Redacted] is for a different loan and property. This transaction is [Redacted] on [Redacted]and the initial CD was disclosed on [Redacted] The[Redacted] CD is for [Redacted] on [Redacted] Please escalate to clear this exception<br>Reviewer Comment (2025-07-07): Diligence is unable to determine which was issued [Redacted], the LE with an issue date of[Redacted], or the initial CD also with an issue date of [Redacted] if something could be provided showing the chronological order of the issuance of these disclosures from the client's system, we could further review. Exception remains for additional information.<br>Buyer Comment (2025-07-07): Please review [Redacted] /[Redacted] which confirms the initial Closing Disclosure was disclosed and received by the borrower electronically on [Redacted]. The initial exception and screen shot provided confirmed receipt of the final Loan Estimate on [Redacted]. Please escalate to be cleared as there is no TRID violation for disclosure timing.<br>Reviewer Comment (2025-07-07): [Redacted] received system snip for the LE dated [Redacted] received on[Redacted] However, the relationship between revised Loan Estimates and Closing Disclosures. The creditor shall not provide a revised version of the disclosures required under paragraph [Redacted] of this section on or after the date on which the creditor provides the disclosures required under paragraph[Redacted] of this section. While the rule and commentary in § [Redacted] leave some room for interpretation as to what constitutes "provided", the final rule addresses the reasoning behind the requirement which is to prevent creditors from providing consumers with both estimates (LE) and actual costs (CD) at the same time; the consumer must receive the revised LE no later than [Redacted] business days prior to consummation and the consumer must receive the CD no later than [Redacted] business days prior to consummation - clearly indicating that the LE should be received prior to the CD; Moreover, provided evidentiary document in the loan file indicates [Redacted] CD only sent to borrower and acknowledged by borrower on [Redacted] . Additionally, if [Redacted] CD (documents [Redacted]) was not presented to the borrower they may be removed from testing. LOA is required attesting to the CDs not being provided to the borrower is required.<br>Buyer Comment (2025-07-03): Verification of client receipt was provided on[Redacted] please review to clear this issue. | 07/09/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | No Defined cure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50489 |  |  |  | 34188659 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-19): Received and associated UCDP Submission Summary Report document with score #[Redacted]. Exception Cleared.<br>Seller Comment (2025-08-18): See attached SSR for FNMA and [Redacted] Guidelines state only [Redacted] appraisal is required. If the SSR score is < [Redacted], no additional appraisal review products are required unless otherwise specified or determined by the [Redacted] underwriter at the time of review. Please cancel. | 08/19/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50511 |  |  |  | 34244035 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50573 |  |  |  | 34360086 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-09-15): The completion cert was provided.<br>Seller Comment (2025-09-12): completion | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50573 |  |  |  | 34360098 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50512 |  |  |  | 34244883 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50518 |  |  |  | 34254050 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50520 |  |  |  | 34259352 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50537 |  |  |  | 34244116 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing a copy of the borrowers fraud report as required by guidelines. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50549 |  |  |  | 34261753 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. |  |  |  | Reviewer Comment (2025-09-29): A PDI with no visible damage was provided.<br>Seller Comment (2025-09-29): PDI | 09/29/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50549 |  |  |  | 34261763 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50541 |  |  |  | 34248624 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing a copy of the borrowers fraud report as required by guidelines. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50556 |  |  |  | 34242303 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-09-15): A BPO was provided. | 09/15/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50556 |  |  |  | 34242315 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Copy of Fraud Report is not available in file. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50561 |  |  |  | 34244911 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50561 |  |  |  | 34244914 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-09-09): A completion cert was provided.<br>Seller Comment (2025-09-08): Reinspection | 09/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50551 |  |  |  | 34243591 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-15): A BPO was received. | 09/15/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50551 |  |  |  | 34243657 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50551 |  |  |  | 34244280 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file is missing a copy of [Redacted] images. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCAT2025INV50514 |  |  |  | 34243736 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided | 09/15/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50514 |  |  |  | 34243769 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] document is missing in the file. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50554 |  |  |  | 34358001 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50524 |  |  |  | 34254297 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file is missing a copy of [Redacted] images. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50524 |  |  |  | 34254301 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50523 |  |  |  | 34245954 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50552 |  |  |  | 34266328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-09): A completion cert was provided.<br>Seller Comment (2025-09-08): Reinspection | 09/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50552 |  |  |  | 34266331 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50558 |  |  |  | 34357226 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50550 |  |  |  | 34254530 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. Please provide [Redacted] document. |  |  |  | Reviewer Comment (2025-09-15): The completion cert was provided.<br>Seller Comment (2025-09-11): completion | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50550 |  |  |  | 34254531 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50544 |  |  |  | 34252011 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50531 |  |  |  | 34268976 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50531 |  |  |  | 34268994 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-09): A completion cert was provided.<br>Seller Comment (2025-09-08): completion | 09/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50543 |  |  |  | 34245357 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50538 |  |  |  | 34273903 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was completed subject to completion and the [Redacted]/appraisal update was not provided. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50538 |  |  |  | 34273908 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing a copy of the borrower's fraud report as required by guidelines. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50574 |  |  |  | 34358228 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report document is not provided |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50574 |  |  |  | 34359467 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-25): The Completion Cert was provided<br>Seller Comment (2025-09-23): completion | 09/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50519 |  |  |  | 34249328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50575 |  |  |  | 34261999 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50575 |  |  |  | 34262006 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50515 |  |  |  | 34298681 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50553 |  |  |  | 34356739 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50553 |  |  |  | 34356744 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-10-10): Documentation provided; exception cleared.<br>Seller Comment (2025-10-08): Completion | 10/10/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50553 |  |  |  | 34356753 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing evidence of taxes and insurance. |  |  |  | Reviewer Comment (2025-10-17): Mortgage statement with the escrow amount was provided.<br>Seller Comment (2025-10-16): See attached<br>Reviewer Comment (2025-09-16): The exception remains unchanged, and we still require verification of the insurance.<br>Seller Comment (2025-09-16): Statement for this property should be sufficient - original exception did not include insurance - See [Redacted]<br>Reviewer Comment (2025-09-15): Tax verification was provided. Missing insurance verification<br>Seller Comment (2025-09-11): REO tax | 10/17/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50534 |  |  |  | 34257614 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50559 |  |  |  | 34244468 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50559 |  |  |  | 34244827 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. Please provide [Redacted] document. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50557 |  |  |  | 34252443 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] document is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): The completion cert was provided.<br>Seller Comment (2025-09-11): completion | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50557 |  |  |  | 34252459 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report document is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50539 |  |  |  | 34262512 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report document is missing in the file. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50533 |  |  |  | 34262848 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50533 |  |  |  | 34262868 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50533 |  |  |  | 34262872 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification document was not provided. |  |  |  | Reviewer Comment (2025-09-08): Tax verification was provided.<br>Seller Comment (2025-09-03): REO Tax | 09/08/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50555 |  |  |  | 34261521 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-25): Documentation provided; exception cleared.<br>Seller Comment (2025-09-23): Final | 09/25/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50555 |  |  |  | 34261532 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50545 |  |  |  | 34245775 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50535 |  |  |  | 34257267 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to completion and the appraisal update/[Redacted]was not provided. |  |  |  | Reviewer Comment (2025-09-12): The completion cert was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50535 |  |  |  | 34257325 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50507 |  |  |  | 34262279 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50522 |  |  |  | 34274079 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50528 |  |  |  | 34270107 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file was missing a copy of the [Redacted]certificate. |  |  |  | Reviewer Comment (2025-09-09): The completion cert was provided.<br>Seller Comment (2025-09-08): completion | 09/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50528 |  |  |  | 34270125 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50562 |  |  |  | 34359183 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50562 |  |  |  | 34359194 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-09-25): The completion cert was provided<br>Seller Comment (2025-09-23): completion | 09/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50532 |  |  |  | 34271848 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received. | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50532 |  |  |  | 34271867 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted]/ appraisal update was not provided. |  |  |  | Reviewer Comment (2025-09-12): The [Redacted]was provided.<br>Seller Comment (2025-09-10): [Redacted] | 09/12/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50529 |  |  |  | 34254223 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report received | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50513 |  |  |  | 34253419 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50540 |  |  |  | 34251883 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided. | 09/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50540 |  |  |  | 34251904 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | . |  |  |  | Reviewer Comment (2025-09-15): A BPO was received. | 09/15/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50546 |  |  |  | 34254132 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  | 09/15/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCAT2025INV50546 |  |  |  | 34254202 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-11-12): Waived. |  |  | 11/12/2025 | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCAT2025INV50516 |  |  |  | 34282527 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-15): A BPO was received. | 09/15/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A | N/A | N/A | No |
|  | GCAT2025INV50510 |  |  |  | 34253957 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of[Redacted] |  |  |  | Reviewer Comment (2025-09-15): Documentation provided; exception cleared.<br>Seller Comment (2025-09-12): PDI | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50510 |  |  |  | 34253985 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was received | 09/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50577 |  |  |  | 34268084 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-15): A BPO was received. | 09/15/2025 |  |  | 1 D A |  | GA | Second Home | Purchase | D A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50577 |  |  |  | 34268130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within[Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-09-05): [Redacted]received e-consent.<br>Seller Comment (2025-09-04): Econsent acknowledgement | 09/05/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | D A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50577 |  |  |  | 34268132 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] % tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCAT2025INV50577 |  |  |  | 34310390 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | The total cash to close is $[Redacted] and the verified assets is $[Redacted]. |  |  |  | Reviewer Comment (2025-09-08): An updated AUS was provided, including the retirement account.<br>Seller Comment (2025-09-04): Assets | 09/08/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | D A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50560 |  |  |  | 34301986 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the [Redacted] Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2025-09-15): A BPO was received. | 09/15/2025 |  |  | 1 D A |  | WA | Investment | Purchase | D A | N/A | N/A | No |
|  | GCAT2025INV50542 |  |  |  | 34253933 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the [Redacted] valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-09-22): A BPO was received. | 09/22/2025 |  |  | 1 D A |  | IN | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50521 |  |  |  | 34301775 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-09-22): A BPO was received. | 09/22/2025 |  |  | 1 D A |  | TN | Investment | Purchase | D A | N/A | N/A | No |
|  | GCAT2025INV50578 |  |  |  | 34267111 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-15): The fraud report was provided | 09/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50509 |  |  |  | 34282465 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-11-12): Waived |  |  | 11/12/2025 | 2 B |  | AZ | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCAT2025INV50509 |  |  |  | 34282501 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  | 09/15/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCAT2025INV50579 |  |  |  | 34425613 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted]% is equal to or greater than the threshold of [Redacted]%. | QM APR on subject loan of [Redacted] % is equal to or greater than the threshold of [Redacted]%. |  |  |  | Reviewer Comment (2025-10-02): Initial rate lock provided.<br>Seller Comment (2025-10-01): From the Lender: Updated [Redacted] <br> Product and Pricing output for the [Redacted]lock (rate grid)<br> Internal Lock Confirmations for[Redacted](original lock), [Redacted](appraised value update) and [Redacted](Lock Extension)<br> Lock Agreements for the original lock[Redacted]and the lock extension [Redacted] eSigned by the borrowers<br>On the attached you can see that we worked off the same pricing grid from start to finish. The only difference between the pricing [Redacted] and final price is the [Redacted]-day lock extension for [Redacted]. We charge [Redacted]per day or .[Redacted]%, which is the only difference between the original pricing grid and the final price. <br>The APOR should be based on the date the rate is actually locked pursuant to the last rate lock agreement.<br> See Official Commentary to paragraph [Redacted]<br>[Redacted] Rate set. A transaction's annual percentage rate is compared to the average prime offer rate as of the date the transaction's interest rate is set (or "locked") before consummation. Sometimes a creditor sets the interest rate initially and then re-sets it at a different level before consummation. The creditor should use the last date the interest rate is set before consummation."<br>Seller Comment (2025-10-01): From the Lender: Updated [Redacted] <br> Product and Pricing output for the [Redacted]lock (rate grid)<br> Internal Lock Confirmations for [Redacted](original lock), [Redacted](appraised value update) and [Redacted] (Lock Extension)<br> Lock Agreements for the original lock [Redacted]and the lock extension [Redacted] eSigned by the borrowers<br>On the attached you can see that we worked off the same pricing grid from start to finish. The only difference between the pricing [Redacted] and final price is the [Redacted]-day lock extension for [Redacted]. We charge [Redacted]per day or .[Redacted]%, which is the only difference between the original pricing grid and the final price. <br>The APOR should be based on the date the rate is actually locked pursuant to the last rate lock agreement.<br> See Official Commentary to paragraph 35(a):<br>[Redacted] Rate set. A transaction's annual percentage rate is compared to the average prime offer rate as of the date the transaction's interest rate is set (or "locked") before consummation. Sometimes a creditor sets the interest rate initially and then re-sets it at a different level before consummation. The creditor should use the last date the interest rate is set before consummation."<br>Seller Comment (2025-10-01): From the Lender: Updated [Redacted] <br> Product and Pricing output for the [Redacted]lock (rate grid)<br> Internal Lock Confirmations for[Redacted]original lock),[Redacted](appraised value update) and [Redacted] (Lock Extension)<br> Lock Agreements for the original lock[Redacted] and the lock extension[Redacted]eSigned by the borrowers<br>On the attached you can see that we worked off the same pricing grid from start to finish. The only difference between the pricing [Redacted] and final price is the [Redacted]-day lock extension for [Redacted]. We charge [Redacted]per day or .[Redacted]%, which is the only difference between the original pricing grid and the final price. <br>The APOR should be based on the date the rate is actually locked pursuant to the last rate lock agreement.<br> See Official Commentary to paragraph [Redacted]<br> [Redacted] Rate set. A transaction's annual percentage rate is compared to the average prime offer rate as of the date the transaction's interest rate is set (or "locked") before consummation. Sometimes a creditor sets the interest rate initially and then re-sets it at a different level before consummation. The creditor should use the last date the interest rate is set before consummation."<br>Seller Comment (2025-10-01): From the Lender: Updated [Redacted] <br> Product and Pricing output for the[Redacted]lock (rate grid)<br> Internal Lock Confirmations for [Redacted](original lock),[Redacted](appraised value update) and [Redacted](Lock Extension)<br> Lock Agreements for the original lock [Redacted] and the lock extension[Redacted] eSigned by the borrowers<br>On the attached you can see that we worked off the same pricing grid from start to finish. The only difference between the pricing[Redacted]and final price is the [Redacted]-day lock extension for[Redacted]. We charge[Redacted] per day or .[Redacted]%, which is the only difference between the original pricing grid and the final price. <br>The APOR should be based on the date the rate is actually locked pursuant to the last rate lock agreement.<br> See Official Commentary to paragraph [Redacted]:<br>[Redacted] Rate set. A transaction's annual percentage rate is compared to the average prime offer rate as of the date the transaction's interest rate is set (or "locked") before consummation. Sometimes a creditor sets the interest rate initially and then re-sets it at a different level before consummation. The creditor should use the last date the interest rate is set before consummation." | 10/02/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50431 |  |  |  | 34255160 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-10): Received [Redacted] valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-09): attached<br>Buyer Comment (2025-07-08): AVM attached | 07/10/2025 |  |  | 1 D A |  | GA | Second Home | Purchase | D B A | Non QM | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50431 |  |  |  | 34255162 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-03): Sufficient Cure Provided At Closing |  | 07/03/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50431 |  |  |  | 34255163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] (APOR) matches the Due Diligence Loan Designation of[Redacted] (APOR). | The client restated loan designation to [Redacted](APOR).<br> Please accept as is. |  |  |  | Buyer Comment (2025-07-11): accept as it |  |  |  | 2 A B |  | GA | Second Home | Purchase | D B A | Non QM | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50470 |  |  |  | 34255165 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-11): Received secondary valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-10): attached<br>Buyer Comment (2025-07-09): AVM attached | 07/11/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50470 |  |  |  | 34255166 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-09): Sufficient Cure Provided At Closing |  | 07/09/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50343 |  |  |  | 34255169 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-14): Received secondary valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-11): AVM attached | 07/14/2025 |  |  | 1 D A |  | NJ | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50343 |  |  |  | 34255170 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Final Closing Disclosure provided on[Redacted]did not disclose the required Lender Contact Information. |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received page [Redacted] complete for final CD<br>Buyer Comment (2025-07-11): CD with all info complete | 07/11/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50343 |  |  |  | 34255171 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Final Closing Disclosure provided on[Redacted] did not disclose the Finance Charge. |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received page [Redacted]complete for final CD<br>Buyer Comment (2025-07-11): CD with all info complete uploaded to [Redacted] | 07/11/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50343 |  |  |  | 34255172 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. | Final Closing Disclosure provided on[Redacted] did not disclose the Total of Payments. |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received page [Redacted] complete for final CD<br>Buyer Comment (2025-07-11): CD with all info complete uploaded to [Redacted] | 07/11/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50343 |  |  |  | 34255173 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Amount Financed. | Final Closing Disclosure provided on [Redacted] did not disclose the Amount Financed |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received page [Redacted]complete for final CD<br>Buyer Comment (2025-07-11): CD with all info complete uploaded to [Redacted] | 07/11/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50343 |  |  |  | 34255174 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Final Closing Disclosure provided on [Redacted] did not disclose the APR. |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received page [Redacted] complete for final CD<br>Buyer Comment (2025-07-11): CD with all info complete uploaded to [Redacted] | 07/11/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50474 |  |  |  | 34255175 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing documentation of Non-Permanent Resident [Redacted] status for [Redacted]. |  |  |  | Reviewer Comment (2025-07-15): Received and associated Employment Authorization. Exception Cleared.<br>Buyer Comment (2025-07-11): Category [Redacted] | 07/15/2025 |  |  | 1 C A |  | OH | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50474 |  |  |  | 34255178 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | OH | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50474 |  |  |  | 34255179 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing evidence of non-permanent residence verification for co-borrower. |  |  |  | Reviewer Comment (2025-07-15): Received and associated Employment Authorization. Exception Cleared.<br>Buyer Comment (2025-07-11): Uploaded to [Redacted] | 07/15/2025 |  |  | 1 C A |  | OH | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50344 |  |  |  | 34255180 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [Redacted], the subject property is in a flood zone, flood insurance is not escrowed. |  |  |  |  | Reviewer Comment (2025-08-11): Evidence that the flood insurance was escrowed was provided.<br>Buyer Comment (2025-08-07): CD with flood escrowed<br>Reviewer Comment (2025-07-31): Provide the CD that reflects escrows being collected and the updated amount of funds borrower required for closing.<br>Buyer Comment (2025-07-29): Please see attached first payment letter showing flood is escrowed. | 08/11/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50344 |  |  |  | 34255182 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. [Redacted] valuation is missing. |  |  |  | Reviewer Comment (2025-07-31): Documentation provided; exception cleared.<br>Reviewer Comment (2025-07-21): Received AVM do not meet FSD fitch criteria. Exception Remains.<br>Buyer Comment (2025-07-17): See AVM provided | 07/31/2025 |  |  | 1 D A |  | NC | Second Home | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50344 |  |  |  | 34255184 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-08-04): A CDA was provided.<br>Buyer Comment (2025-07-31): CDA attached within [Redacted]% | 08/04/2025 |  |  | 1 A |  | NC | Second Home | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50481 |  |  |  | 34255201 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-28): Received [Redacted] valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-24): AVM supporting value | 07/28/2025 |  |  | 1 D A |  | VA | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50435 |  |  |  | 34255286 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided At Closing |  | 07/31/2025 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50473 |  |  |  | 34255317 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] . Provide updated policy reflecting minimum coverage of [Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-21): Received and Associated Replacement Cost Estimator document with $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-17): See Uploaded HOI Cert | 07/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50480 |  |  |  | 34255319 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AUS reflects number of financed properties used to determine eligibility and reserves is one. Borrower owns [Redacted] financed properties. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-23): See Uploaded AUS | 07/25/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50464 |  |  |  | 34255320 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement was not provided. |  |  |  | Reviewer Comment (2025-07-31): The Final CD from the current refinance was provided, and the borrower is exempt from taxes.<br>Reviewer Comment (2025-07-31): The CD provided shows only hazard insurance escrowed, provide the tax information for[Redacted]<br>Buyer Comment (2025-07-30): \*Closed this month so no mortgage statement available.<br>Buyer Comment (2025-07-30): Final executed CD from refi of [Redacted]. Previous uploaded documents verified HOA and that borrower pays no property tax on primary residence.<br>Reviewer Comment (2025-07-30): Please provide Mortgage Statement for "[Redacted]". Exception remains<br>Buyer Comment (2025-07-28): [Redacted] from borrower's proposed primary refinance. Verification of annual HOA dues. Verification borrower pays no property tax for primary. | 07/31/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
|  | GCAT2025INV50464 |  |  |  | 34255321 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  |  | Reviewer Comment (2025-07-28): Updated flood cert provided.<br>Buyer Comment (2025-07-24): Disregard previous. Flood zone notice for subject.<br>Buyer Comment (2025-07-24): Not in flood zone | 07/28/2025 |  |  | 1 B A |  | VA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
|  | GCAT2025INV50492 |  |  |  | 34255322 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-28): Received secondary valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-24): AVM supporting value | 07/28/2025 |  |  | 1 D A |  | SC | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50496 |  |  |  | 34272823 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification document not provided |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-15): LOE uploaded<br>Reviewer Comment (2025-08-13): Waiting for LOE for difference in figures on WVOE's.<br>Buyer Comment (2025-08-11): See updated documents from lender - also per lender: Revised AUS Findings, [Redacted] and Final Application provided.<br>- Property located at[Redacted] was entered in error on initial Loan application.<br>- Property was found to be owned by [Redacted]<br>- Self-employed income removed for [Redacted] as it is not needed for Approval.<br>Buyer Comment (2025-08-11): See updated documents from lender - also per lender: Revised AUS Findings, [Redacted] and Final Application provided.<br>- Property located at [Redacted] was entered in error on initial Loan application.<br>- Property was found to be owned by [Redacted]<br>- Self-employed income removed for [Redacted] as it is not needed for Approval.<br>Buyer Comment (2025-08-11): See updated documents from lender - also per lender: Revised AUS Findings, [Redacted] and Final Application provided.<br>- Property located at [Redacted] was entered in error on initial Loan application.<br>- Property was found to be owned by[Redacted]<br>- Self-employed income removed for [Redacted] as it is not needed for Approval.<br>Buyer Comment (2025-08-11): See updated documents from lender - also per lender: Revised AUS Findings, [Redacted]and Final Application provided.<br>- Property located at [Redacted] was entered in error on initial Loan application.<br>- Property was found to be owned by [Redacted]<br>- Self-employed income removed for [Redacted] as it is not needed for Approval.<br>Reviewer Comment (2025-08-05): Provided Insurance Verification document reflects$[Redacted], Tax Verification $[Redacted]for REO Property "[Redacted]", however, [Redacted]listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-08-01): Please see attached. Rental Income from [Redacted] is not being used.<br>Reviewer Comment (2025-07-30): We are using rental income, we need evidence of the PITIA, missing HOA verification.<br>Buyer Comment (2025-07-29): This property is owned by [Redacted] - not by borrower personally - please clear. | 08/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50583 |  |  |  | 34272824 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-08-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-12): Attached<br>Buyer Comment (2025-08-12): Final title. Page [Redacted] for loan amount. | 08/14/2025 |  |  | 1 B A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50583 |  |  |  | 34272825 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of Insurance Verification. |  |  |  | Reviewer Comment (2025-08-14): Received and associated Insurance Verification. Exception cleared.<br>Buyer Comment (2025-08-12): No HOI<br>Buyer Comment (2025-08-12): Lender calculation stating no HOI.<br>Buyer Comment (2025-08-12): Evidence no mortgage | 08/14/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50467 |  |  |  | 34272827 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file was missing copy of [Redacted] Images. |  |  |  | Reviewer Comment (2025-08-19): Received and associated Form [Redacted] Exception Cleared.<br>Buyer Comment (2025-08-15): [Redacted] uploaded | 08/19/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50586 |  |  |  | 34272828 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-08-18): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-15): See fraud report provided | 08/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272837 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of [Redacted] used as disbursement date for compliance testing. | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of[Redacted] used as disbursement date for compliance testing. |  |  |  | Reviewer Comment (2025-07-28): CD provided, exception cleared.<br>Buyer Comment (2025-07-24): Closing disclosures uploaded to [Redacted]<br>Buyer Comment (2025-07-24): attached | 07/28/2025 |  |  | 1 B A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272838 |  | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | Reviewer Comment (2025-07-28): CD provided, exception cleared.<br>Buyer Comment (2025-07-24): Attached<br>Buyer Comment (2025-07-24): Closing Disclosures. | 07/28/2025 |  |  | 1 D A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272839 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is Missing a copy of VVOE |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): Uploaded to [Redacted] | 07/28/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272840 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is Missing a copy of VVOE |  |  |  | Reviewer Comment (2025-07-30): Received and associated The Work Number - Employment Only for [Redacted] Exception Cleared.<br>Buyer Comment (2025-07-28): VVOE for [Redacted] and paystub verifying company is the same.<br>Buyer Comment (2025-07-28): See page [Redacted]of [Redacted]or [Redacted]. The VOE got grouped as credit report document but it is the lender's VOE preformed [Redacted]<br>Reviewer Comment (2025-07-28): Still missing vvoe for [Redacted]<br>Buyer Comment (2025-07-24): Uploaded to [Redacted] | 07/30/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272841 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is Missing a copy of HOA for REO [Redacted] |  |  |  | Reviewer Comment (2025-08-18): Received and associated HOA Verification. Exception Cleared.<br>Buyer Comment (2025-08-14): HOA statement | 08/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272842 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a copy of WVOE |  |  |  | Reviewer Comment (2025-08-18): Received and associated WVOE - Includes Income for [Redacted] Exception Cleared.<br>Buyer Comment (2025-08-14): WVOE for [Redacted]with income<br>Reviewer Comment (2025-08-07): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Borrower: [Redacted] Borrower: [Redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [Redacted]PRIOR Exception Explanation: VVOE - Employment Only<br> WVOE - Includes Income<br>Reviewer Comment (2025-07-30): Please provide [Redacted] Years income documents for bonus and commission for [Redacted] Employer of [Redacted] Exception remains<br>Buyer Comment (2025-07-28): WVOE for [Redacted]. Only using base income for borrower.<br>Buyer Comment (2025-07-28): VVOE and paystub showing company name the same<br>Reviewer Comment (2025-07-28): Still missing vvoe for [Redacted]<br>Buyer Comment (2025-07-24): VVOEs. Borrower page[Redacted], coborrower page [Redacted] | 08/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272844 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is Missing a Copy of Fraud report |  |  |  | Reviewer Comment (2025-08-07): Received and associated fraud report. Exception cleared.<br>Buyer Comment (2025-08-05): Correct Fraud Report<br>Reviewer Comment (2025-07-30): Received Fraud Report with incorrect subject property address. As per note subject property address is "[Redacted]", whereas the received Fraud Report reflects "[Redacted]". Please provide Fraud Report with subject property address. Exception remains.<br>Buyer Comment (2025-07-28): Please see attached | 08/07/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272845 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-07-30): Received and associated AUS. Exception Cleared.<br>Buyer Comment (2025-07-29): LPA results | 07/30/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272846 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [Redacted] yr income documentation for bonus and commission for co-borrower and missing vvoe dated within [Redacted] business days prior to the Note date for borr [Redacted] with [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received and associated The Work Number - Income. Exception Cleared.<br>Buyer Comment (2025-08-13): WVOE uploaded to [Redacted]<br>Reviewer Comment (2025-07-30): Please provide [Redacted] Years income documents for bonus and commission for "[Redacted]" [Redacted]". Exception remains<br>Buyer Comment (2025-07-28): WVOE for [Redacted]. Using base income only. | 08/15/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272847 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing AUS used for review. |  |  |  | Reviewer Comment (2025-08-15): Received and associated The Work Number - Income and Updated AUS. Exception Cleared.<br>Buyer Comment (2025-08-13): WVOE<br>Reviewer Comment (2025-08-07): Still need [Redacted] years' income documents for the bonus.<br>Buyer Comment (2025-08-04): uploaded to [Redacted] | 08/15/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272848 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Refinance purpose discrepancy. |  | The loan was approved as cash out, however no cash out reflected in transaction. |  |  |  | Reviewer Comment (2025-08-15): Received and associated Updated AUS. Exception Cleared.<br>Buyer Comment (2025-08-13): Updated AUS<br>Reviewer Comment (2025-08-07): Mortgage payoff was received and matches the only debt paid off at closing and the borrower still had to bring over $[Redacted]to closing. This is a R/T and not a C/O. Please provide an AUS to match the loan type.<br>Buyer Comment (2025-08-04): Please see attached | 08/15/2025 |  |  | 1 A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50479 |  |  |  | 34272855 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-08-18): Received and associated Bank Statement. Exception Cleared.<br>Buyer Comment (2025-08-14): April and [Redacted] IRA statement | 08/18/2025 |  |  | 1 A |  | PA | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCAT2025INV50580 |  |  |  | 34330793 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-15): Client accepts as is.<br>Seller Comment (2025-09-11): Please accept value as is. |  |  |  | 2 B |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50500 |  |  |  | 34344999 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-08-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-21): title uploaded<br>Reviewer Comment (2025-08-21): Received General Warranty deed. Please provide Final Title Policy. Exception Remains.<br>Buyer Comment (2025-08-19): See uploaded general warranty deed | 08/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50500 |  |  |  | 34345000 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Verification of Employment within [Redacted] business days of Note was not provided. |  |  |  | Reviewer Comment (2025-08-21): Received and associated Verification of Employment. Exception cleared.<br>Buyer Comment (2025-08-19): See Uploaded VVOE dated [Redacted] | 08/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50500 |  |  |  | 34345001 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of Employment within [Redacted] business days of Note was not provided. |  |  |  | Reviewer Comment (2025-08-21): Received and associated Verification of Employment. Exception cleared.<br>Buyer Comment (2025-08-19): See uploaded VVOE dated [Redacted] | 08/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50495 |  |  |  | 34345065 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Most recent verification of employment is not within [Redacted] business days of the Note date of [Redacted] |  |  |  | Reviewer Comment (2025-08-22): Received and associated Verification of employment. Exception Cleared.<br>Buyer Comment (2025-08-20): \*<br>Buyer Comment (2025-08-20): VVOE dated within [Redacted] Business days. | 08/22/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
|  | GCAT2025INV50495 |  |  |  | 34345066 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing vvoe dated within [Redacted] business days of Note date. |  |  |  | Reviewer Comment (2025-08-22): Received and associated Verification of employment. Exception Cleared.<br>Buyer Comment (2025-08-20): Uploaded to [Redacted] | 08/22/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
|  | GCAT2025INV50565 |  |  |  | 34376077 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA. Please provide mortgage state to verify the mortgage payment and verify if the taxes and insurance are included in the payment. |  |  |  | Reviewer Comment (2025-09-18): Received and associated Closing Disclosure verified mortgage amount. Exception Cleared.<br>Seller Comment (2025-09-16): See attached CD for [Redacted] that closed on[Redacted] Please clear. | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50466 |  |  |  | 34443751 |  | Credit | Missing Document | General | Missing Document | Missing Document: Road Maintenance Agreement not provided |  | The file was missing copy of Road Maintenance Agreement. |  |  |  | Reviewer Comment (2025-09-22): Reciprocal Easement Deed was provided.<br>Seller Comment (2025-09-18): See attached Wall and Maintenance Agreement and Easement Deed. Please clear | 09/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50309 |  |  |  | 34512526 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS Finding #[Redacted] indicates the number of financed properties used to determine eligibility and reserves was [Redacted]; however, the correct number is [Redacted], including the subject and the borrowers' primary residence. The messaging goes on to say that if the information submitted was not correct, it must be updated and the casefile resubmitted to the AUS. Updated findings were not found in the file. |  |  |  | Reviewer Comment (2025-09-26): Received and associated updated AUS showing[Redacted]inanced properties. Exception Cleared.<br>Seller Comment (2025-09-24): See updated AUS showing [Redacted] financed properties. Please clear | 09/26/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50002 |  |  |  | 34512025 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-03): Documentation provided; exception cleared.<br>Reviewer Comment (2025-10-03): Received AVM does not support the value used to qualify. Please Provide [Redacted]Valuation required for Securitization purposes. Exception remains.<br>Seller Comment (2025-10-01): See attached AVM. Please clear<br>Reviewer Comment (2025-09-30): Please provide [Redacted] Valuation required for Securitization purposes. Exception remains<br>Seller Comment (2025-09-26): Please accept as is. | 10/03/2025 |  |  | 1 D A B C |  | CA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50002 |  |  |  | 34640507 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-03): Client accepts as is. |  |  | 10/03/2025 | 2 B |  | CA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50592 |  |  |  | 34522911 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-09-11): Received and associated CDA. Exception Cleared.<br>Buyer Comment (2025-09-09): See docs provided | 09/11/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50592 |  |  |  | 34522912 |  | Credit | Title | Document Error | Title | The 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. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-09-11): Received and associated Final Title Policy. Exception Cleared.<br>Buyer Comment (2025-09-10): See docs provided | 09/11/2025 |  |  | 1 B A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50592 |  |  |  | 34522913 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-11): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-09-09): See report provided<br>Buyer Comment (2025-09-09): see docs provided | 09/11/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50563 |  |  |  | 34522926 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification not provided. |  |  |  | Reviewer Comment (2025-08-22): Received and associated HOA Verification. Exception Cleared.<br>Buyer Comment (2025-08-20): HOA amount listed on page [Redacted]. $[Redacted]per month. | 08/22/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522927 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-08-15): Received [Redacted] valuation AVM with value $[Redacted] Exception Cleared.<br>Buyer Comment (2025-08-13): AVM supporting value. | 08/15/2025 |  |  | 1 D A B C |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522929 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted] <br> Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-08-27): PDI provided.<br>Buyer Comment (2025-08-22): Disaster inspection report. | 08/27/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522930 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-25): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-22): Fraud report | 08/25/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522931 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage [Redacted] 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]%). | 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]. |  |  |  | Reviewer Comment (2025-08-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-26): Docs uploaded<br>Reviewer Comment (2025-08-22): Undiscounted rate provided, missing undiscounted price.<br>Buyer Comment (2025-08-20): Discount points verification. | 08/28/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522933 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted](APOR) Fail. | Loan Designation discrepancy due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-09-05): Received and associated updated AUS. Exception Cleared.<br>Reviewer Comment (2025-08-28): Exception will be cleared when DTI exception is cleared.<br>Buyer Comment (2025-08-26): See docs uploaded to [Redacted]<br>Reviewer Comment (2025-08-22): Missing undiscounted price, exception remains.<br>Buyer Comment (2025-08-20): Discount points verification uploaded to [Redacted] | 09/05/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50563 |  |  |  | 34522934 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The calculated bonus is lower than lender's calculations, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-09-05): Received and associated updated AUS. Exception Cleared.<br>Buyer Comment (2025-09-03): updated LPA<br>Reviewer Comment (2025-08-22): The LP only approved the loan up to [Redacted]%, please re-run and provide updated LP.<br>Buyer Comment (2025-08-20): Please review: [Redacted] Debts/income last three bullets regarding "[Redacted]" Per [Redacted] is in tolerance and resubmitted not required. LPA has ratio above [Redacted]% and the total difference does not change the total DTI ratio by more than [Redacted] percentage points.<br>Reviewer Comment (2025-08-15): When calculating the dti manually on the AUS, the calculated DTI approved is [Redacted]%, which LP rounded up to [Redacted]%. The calculated dti in the review is [Redacted]%, and the AUS needs to be re-run with the updated income and dti.<br>Reviewer Comment (2025-08-15): As per final [Redacted]Bonus income is $[Redacted], However, calculated bonus income is $[Redacted], resulting in DTI is exceeds [Redacted]%. Please provide corrected AUS with DTI [Redacted]%. Exception remains<br>Buyer Comment (2025-08-13): Within tolerance.<br> Resubmission to Loan Product Advisor not required (resubmission tolerances)<br> The income for any Borrower decreases and/or the monthly debt payment (including monthly housing expense) increases when both of the following apply:<br> The total new debt payment-to-income (DTI) ratio does not exceed [Redacted]%<br> The total difference does not change the total DTI ratio by more than[Redacted] percentage points | 09/05/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay [Redacted] Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated bonus is lower than lender's calculations, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-08-28): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-22): The LP only approved the loan up to [Redacted]%, please re-run and provide updated LP.<br>Buyer Comment (2025-08-20): LPA tolerances uploaded to [Redacted].<br>Reviewer Comment (2025-08-15): When calculating the dti manually on the AUS, the calculated DTI approved is [Redacted]%, which LP rounded up to [Redacted]%. The calculated dti in the review is [Redacted]%, and the AUS needs to be re-run with the updated income and dti.<br>Buyer Comment (2025-08-13): Within tolerance.<br> Resubmission to Loan Product Advisor not required (resubmission tolerances)<br> The income for any Borrower decreases and/or the monthly debt payment (including monthly housing expense) increases when both of the following apply:<br> The total new debt payment-to-income (DTI) ratio does not exceed [Redacted]%<br> The total difference does not change the total DTI ratio by more than[Redacted] percentage points | 08/28/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay [Redacted] 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.) | The calculated bonus is lower than lender's calculations, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-08-28): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-22): The LP only approved the loan up to [Redacted]%, please re-run and provide updated LP.<br>Buyer Comment (2025-08-20): LPA tolerances uploaded to [Redacted].<br>Reviewer Comment (2025-08-15): When calculating the dti manually on the AUS, the calculated DTI approved is [Redacted]%, which LP rounded up to [Redacted]%. The calculated dti in the review is [Redacted]%, and the AUS needs to be re-run with the updated income and dti.<br>Buyer Comment (2025-08-13): Resubmission to Loan Product Advisor not required (resubmission tolerances)<br> The income for any Borrower decreases and/or the monthly debt payment (including monthly housing expense) increases when both of the following apply:<br> The total new debt payment-to-income (DTI) ratio does not exceed [Redacted]%<br> The total difference does not change the total DTI ratio by more than [Redacted]percentage points | 08/28/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50563 |  |  |  | 34522937 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-08-26): accept as is |  |  |  | 2 B |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522938 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-19): Fraud report | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522939 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received earliest receipt of ICD.<br>Buyer Comment (2025-08-19): CD and tracking | 08/20/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522940 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-21): Received and associated E-Sign Agreement. Exception Cleared.<br>Buyer Comment (2025-08-19): Page [Redacted] | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522943 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing executed [Redacted] for both borrowers. |  |  |  | Reviewer Comment (2025-08-21): Received and associated [Redacted]Exception Cleared.<br>Buyer Comment (2025-08-19): Uploaded to [Redacted] | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522944 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage[Redacted]: Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted](APOR) Risk. | Missing executed [Redacted] for both borrowers. |  |  |  | Reviewer Comment (2025-08-21): Received and associated [Redacted]. Exception Cleared.<br>Buyer Comment (2025-08-19): Uploaded to [Redacted] | 08/21/2025 |  |  | 1 B A C |  | MD | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50465 |  |  |  | 34522945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing executed [Redacted]for both borrowers. |  |  |  | Reviewer Comment (2025-08-21): Received and associated [Redacted] Exception Cleared.<br>Buyer Comment (2025-08-19): Uploaded to [Redacted] | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522946 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing executed [Redacted] for both borrowers. |  |  |  | Reviewer Comment (2025-08-21): Received and associated [Redacted] Exception Cleared.<br>Buyer Comment (2025-08-19): [Redacted]for both borrowers | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50465 |  |  |  | 34522947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing executed [Redacted] for both borrowers. |  |  |  | Reviewer Comment (2025-08-21): Received and associated [Redacted] Exception Cleared.<br>Buyer Comment (2025-08-19): Uploaded to [Redacted] | 08/21/2025 |  |  | 1 C A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522950 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-08-19): Appraisal provided; exception cleared.<br>Buyer Comment (2025-08-18): \*<br>Buyer Comment (2025-08-18): Appraisal | 08/19/2025 |  |  | 1 D A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522951 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted]<br> Subject Appraisal used for loan origination was not provided. |  |  |  | Reviewer Comment (2025-08-19): Appraisal provided; exception cleared.<br>Buyer Comment (2025-08-18): Appraisal sent. Dated after disaster.<br>Buyer Comment (2025-08-18): Appraisal uploaded to [Redacted]. | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522952 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-08-19): Appraisal provided; exception cleared.<br>Buyer Comment (2025-08-18): CDA supporting value.<br>Buyer Comment (2025-08-18): \*<br>Buyer Comment (2025-08-18): Appraisal uploaded to [Redacted]. | 08/19/2025 |  |  | 1 D A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522953 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-08-26): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-22): see attached docs<br>Reviewer Comment (2025-08-21): Rate lock not evidence on compliance report.<br>Buyer Comment (2025-08-19): Compliance report showing rate lock date. | 08/26/2025 |  |  | 1 B A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522955 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | . |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50490 |  |  |  | 34522956 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-08-18): CD<br>Buyer Comment (2025-08-18): Proof of delivery | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522957 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Subject Appraisal used for loan origination was not provided. |  |  |  | Reviewer Comment (2025-08-19): Appraisal provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522958 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522959 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522960 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522961 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522962 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522963 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522964 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522965 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Rental income calc from tax returns<br>Buyer Comment (2025-08-18): Tax returns | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522966 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted](APOR) Risk. | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 B A C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50490 |  |  |  | 34522967 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]) | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522970 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Missing Sch E or leases for rental income being used to qualify. |  |  |  | Reviewer Comment (2025-08-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-18): Uploaded to [Redacted] | 08/19/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50490 |  |  |  | 34522971 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-21): Received and associated CDA. Exception Cleared.<br>Buyer Comment (2025-08-19): CDA supporting value.<br>Buyer Comment (2025-08-19): CDA | 08/21/2025 |  |  | 1 A |  | CO | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50491 |  |  |  | 34522977 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted]. | Please accept as is. |  |  |  | Buyer Comment (2025-08-21): Accept as is |  |  |  | 2 B |  | NC | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50499 |  |  |  | 34522994 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50594 |  |  |  | 34523008 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-09-11): Received [Redacted] valuation [Redacted] with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-09-09): BPO supporting value. | 09/11/2025 |  |  | 1 D A B C |  | SC | Second Home | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50594 |  |  |  | 34523009 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-09-11): Accept as is |  |  |  | 2 B |  | SC | Second Home | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523011 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Flood Certificate. Exception Cleared.<br>Buyer Comment (2025-09-04): flood uploaded | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523012 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-09-04): uploaded fraud<br>Buyer Comment (2025-09-04): fraud[Redacted] uploaded | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523013 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-09-08): Received and associated Hazard Insurance Policy. Exception cleared.<br>Buyer Comment (2025-09-04): uploaded invoice & COI<br>Buyer Comment (2025-09-04): COI<br>Buyer Comment (2025-09-04): Invoice | 09/08/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523014 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Purchase Agreement / Sales Contract. Exception Cleared.<br>Buyer Comment (2025-09-04): uploaded purchase contract to [Redacted]<br>Buyer Comment (2025-09-04): purchase contract pt [Redacted]<br>Buyer Comment (2025-09-04): Purchase contract part [Redacted] | 09/05/2025 |  |  | 1 D A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523015 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Subject property occupancy status is [Redacted] home however in final [Redacted] declaration question A. "will you occupy the property as your primary residence marked as Yes" |  |  |  | Reviewer Comment (2025-09-10): A corrected [Redacted]was provided.<br>Buyer Comment (2025-09-08): Document uploaded | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523016 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Social Security Award Letter is missing for [Redacted] |  |  |  | Reviewer Comment (2025-09-10): Received and associated Social Security Award Letter. Exception Cleared.<br>Buyer Comment (2025-09-08): See docs uploaded to See docs uploaded to exception [Redacted] | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523018 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Bank Statements. Exception Cleared.<br>Buyer Comment (2025-09-04): \*<br>Buyer Comment (2025-09-04): Assets part [Redacted]<br>Buyer Comment (2025-09-04): assets uploaded | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523019 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Bank Statements. Exception Cleared.<br>Buyer Comment (2025-09-04): uploaded to [Redacted] | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523020 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-05): Received and associated Bank Statements. Exception Cleared.<br>Buyer Comment (2025-09-04): uploaded to [Redacted] | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523021 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Insufficient income and asset documentation. |  |  |  | Reviewer Comment (2025-09-10): Received and associated with the Social Security Award Letter. Exception Cleared.<br>Buyer Comment (2025-09-08): See docs uploaded to exception [Redacted] | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of [Redacted](APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Insufficient income and asset documentation. |  |  |  | Reviewer Comment (2025-09-10): Received and associated with the Social Security Award Letter. Exception Cleared.<br>Buyer Comment (2025-09-08): See docs uploaded to exception [Redacted] | 09/10/2025 |  |  | 1 B A C |  | NY | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50001 |  |  |  | 34523023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient income and asset documentation. |  |  |  | Reviewer Comment (2025-09-10): Received and associated with the Social Security Award Letter. Exception Cleared.<br>Buyer Comment (2025-09-08): See docs uploaded to exception [Redacted] | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523024 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing account statements for asset qualification. |  |  |  | Reviewer Comment (2025-09-05): Received and associated Bank Statements. Exception Cleared.<br>Buyer Comment (2025-09-04): uploaded to [Redacted] | 09/05/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50001 |  |  |  | 34523025 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing award letter for co-borrower retirement income. |  |  |  | Reviewer Comment (2025-09-10): Received and associated Social Security Award Letter. Exception Cleared.<br>Buyer Comment (2025-09-08): document uploaded | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50501 |  |  |  | 34523028 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Verification Fee of $[Redacted] was not disclosed on the Loan Estimate. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received LE and COC dated[Redacted]<br>Buyer Comment (2025-09-09): uploaded docs | 09/10/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50003 |  |  |  | 34584367 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. [Redacted] valuation is missing |  |  |  | Reviewer Comment (2025-09-16): Received [Redacted] valuation CDA with value $[Redacted] . Exception Cleared.<br>Buyer Comment (2025-09-15): CDA supporting value. | 09/16/2025 |  |  | 1 D A |  | CO | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50571 |  |  |  | 34584563 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay [Redacted] 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.) | The DTI calculated in accordance with the Lenders Guidelines and [Redacted]of [Redacted]% moderately exceeds the guideline maximum of [Redacted]% Variance due to Hazard Insurance Monthly payment of $[Redacted] shown on Final CD. Documented monthly payment is $[Redacted] |  |  |  | Reviewer Comment (2025-09-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-17): HOI uploaded to [Redacted] | 09/18/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584564 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay ([Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted]. |  |  |  | Buyer Comment (2025-09-15): Accept as is.<br>Reviewer Comment (2025-09-15): Please accept level [Redacted] exception as is.<br>Buyer Comment (2025-09-11): Personal Tax extension<br>Buyer Comment (2025-09-11): [Redacted] tax extension |  |  |  | 2 B |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584565 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay [Redacted]: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] | [Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Buyer Comment (2025-09-15): Accept as is.<br>Reviewer Comment (2025-09-15): Please accept level [Redacted] exception as is.<br>Buyer Comment (2025-09-11): Personal Tax extension uploaded to [Redacted]<br>Buyer Comment (2025-09-11): [Redacted]tax extension |  |  |  | 2 B |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584567 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%. Variance due to Hazard Insurance Monthly payment of $[Redacted] shown on Final CD. Documented monthly payment is $[Redacted] |  |  |  | Reviewer Comment (2025-09-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-16): hazard support sent with cond [Redacted] through travelers | 09/18/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584568 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay[Redacted] Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is ATR Risk due to calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted]%. Variance due to Hazard Insurance Monthly payment of $[Redacted]shown on Final CD. Documented monthly payment is $[Redacted]. |  |  |  | Reviewer Comment (2025-09-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-16): Insurance through Travelers showing the $[Redacted] yearly/[Redacted] a month | 09/18/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584569 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-12): Received and associated Flood Certificate. Exception Cleared<br>Buyer Comment (2025-09-11): Flood cert<br>Buyer Comment (2025-09-11): \* | 09/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584570 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-12): Received and associated Title Preliminary. Exception Cleared<br>Buyer Comment (2025-09-11): Title<br>Buyer Comment (2025-09-11): \* | 09/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34584571 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-18): Received [Redacted] valuation AVM with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-09-16): avm uploaded | 09/18/2025 |  |  | 1 D A |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34744231 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date[Redacted], Tax Return Due Date [Redacted] |  |  |  |  | Reviewer Comment (2025-10-16): Client accepts as is. |  |  | 10/16/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50571 |  |  |  | 34744232 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] |  |  |  |  | Reviewer Comment (2025-10-16): Client accepts as is. |  |  | 10/16/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50314 |  |  |  | 34736236 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-22): A CDA was received | 10/22/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50314 |  |  |  | 34736331 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50314 |  |  |  | 34765232 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-22): A CDA was received<br>Reviewer Comment (2025-10-21): Valuation Received -[Redacted] | 10/22/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50315 |  |  |  | 34735395 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50315 |  |  |  | 34735436 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): Inspection | 10/24/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50316 |  |  |  | 34737885 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report for the Borrower. Fraud reports are required for all participants per the client's deal settings. |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50317 |  |  |  | 34735475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50317 |  |  |  | 34735489 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] is not in images. |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): Inspection | 10/24/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50318 |  |  |  | 34735771 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file is missing a copy of [Redacted]images. |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): Inspection | 10/24/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50318 |  |  |  | 34735817 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50922 |  |  |  | 34926267 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-11-12): Document uploaded into [Redacted]. | 11/12/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50319 |  |  |  | 34756630 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-11-12): Waived. |  |  | 11/12/2025 | 2 B |  | AZ | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50320 |  |  |  | 34732879 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): Inspection | 10/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
|  | GCAT2025INV50320 |  |  |  | 34732887 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
|  | GCAT2025INV50321 |  |  |  | 34740050 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing from file. |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50921 |  |  |  | 34737737 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of HOA Document of property [Redacted], [Redacted],[Redacted] |  |  |  | Reviewer Comment (2025-10-29): Documentation provided; exception cleared.<br>Seller Comment (2025-10-28): Per the Lender: Borrower had just closed on that property in [Redacted] and they did not have an HOA statement. The attached listing confirms HOA dues of $[Redacted] per year, or $[Redacted] per month and the UW used $[Redacted] per month. Please advise if this will be sufficient. | 10/29/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50921 |  |  |  | 34737752 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file was missing a copy of the 442 /1004D |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): Inspection | 10/24/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50921 |  |  |  | 34737788 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50322 |  |  |  | 34737138 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted] | Disclosed Finance charge of $[Redacted]. Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-10-27): [Redacted] received additional information on [Redacted] termination on [Redacted]home matching to amortiz schedule<br>Seller Comment (2025-10-24): [Redacted] which dictates the rules for PMI cancellation and disclosure, explicitly exempts [Redacted]-home loans and vacation properties. This means that the [Redacted] for automatic termination and mandatory disclosure do not apply. [Redacted] specifically applies to primary residence. | 10/27/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50322 |  |  |  | 34737139 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Disclosed Total of Payments of $[Redacted]. Calculated Total of Payments of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-10-27): [Redacted] received additional information on [Redacted] termination on [Redacted] home matching to amortiz schedule<br>Seller Comment (2025-10-24): The [Redacted] which dictates the rules for [Redacted] cancellation and disclosure, explicitly exempts [Redacted]-home loans and vacation properties. This means that the [Redacted] specific rules for automatic termination and mandatory disclosure do not apply. [Redacted]specifically applies to primary residence. | 10/27/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50323 |  |  |  | 34732909 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50323 |  |  |  | 34732921 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Seller Comment (2025-10-23): [Redacted] | 10/24/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50328 |  |  |  | 34740182 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-10-21): The Fraud Report was provided | 10/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50330 |  |  |  | 34736906 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-22): A CDA was received | 10/22/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D A | N/A | N/A | No |
|  | GCAT2025INV50330 |  |  |  | 34765231 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-10-22): A CDA was received<br>Reviewer Comment (2025-10-22): Valuation Received - [Redacted] | 10/22/2025 |  |  | 1 A |  | VA | Investment | Purchase | D A | N/A | N/A | No |
|  | GCAT2025INV50335 |  |  |  | 34732723 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-22): A CDA was received. | 10/22/2025 |  |  | 1 D A |  | IL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50335 |  |  |  | 34765230 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-22): A CDA was received.<br>Reviewer Comment (2025-10-21): Valuation Received - [Redacted] | 10/22/2025 |  |  | 1 A |  | IL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50920 |  |  |  | 34745660 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing documentation to verify the PITIA |  |  |  | Reviewer Comment (2025-11-10): Documentation provided; exception cleared.<br>Seller Comment (2025-11-07): Piti [Redacted] - The borrower took out a heloc with balance $[Redacted] payment was calculated by loan consultant<br>$[Redacted]<br>Seller Comment (2025-11-07): REO | 11/10/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50920 |  |  |  | 34745706 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The DU findings DTI does not include the negative cash flow on the subject property. Debts considered in review were primary housing of [Redacted], negative rental income for the subject and the two other rentals of $3788.59 and other debt of $88. |  |  |  | Reviewer Comment (2025-11-10): Documentation provided; exception cleared.<br>Seller Comment (2025-11-07): Used [Redacted] and [Redacted] income tax return schedule e for the property at [Redacted] = -[Redacted]<br>Seller Comment (2025-11-07): AUS/1008/Rental<br>Reviewer Comment (2025-11-04): Thanks, we'll disregard.<br>Seller Comment (2025-11-03): Disregard my upload and comment - We agree with your calculations<br>Seller Comment (2025-11-03): We disagree | 11/10/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50920 |  |  |  | 34758587 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS message #11 indicated the number of finance properties used to determine the loan eligibility and reserves was 3; however, the accurate number is 4, including the subject. The messaging goes on to say if the number submitted is not correct, the data is to be corrected and the casefile resubmitted. There was no updated AUS results found in file. |  |  |  | Reviewer Comment (2025-11-10): Documentation provided; exception cleared.<br>Seller Comment (2025-11-07): AUS | 11/10/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A | N/A | N/A | No |
|  | GCAT2025INV50338 |  |  |  | 34676040 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file is missing the VVOE within [Redacted] business days of the note date for the Borrower. |  |  |  | Reviewer Comment (2025-09-22): Received and associated VVOE - Employment Only for [Redacted]Exception Cleared.<br>Buyer Comment (2025-09-19): uploaded vvoe<br>Buyer Comment (2025-09-19): VERBAL VOE (VVOE) - [Redacted] | 09/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50338 |  |  |  | 34676041 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-09-22): Received and associated VVOE - Employment Only for [Redacted] Exception Cleared.<br>Buyer Comment (2025-09-19): \*<br>Buyer Comment (2025-09-19): see [Redacted] | 09/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50005 |  |  |  | 34676048 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-09-23): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-09-22): See docs provided | 09/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50340 |  |  |  | 34676049 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The fraud report reflects one high alert for the property value that was not cleared. |  |  |  | Reviewer Comment (2025-09-29): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-25): Fraud report. | 09/29/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50009 |  |  |  | 34676064 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-09-26): Received [Redacted] valuation [Redacted] with value $[Redacted] . Exception Cleared.<br>Buyer Comment (2025-09-24): [Redacted] supporting value. | 09/26/2025 |  |  | 1 D A |  | ID | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50597 |  |  |  | 34676070 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%.<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Buyer Comment (2025-09-29): accept as is [Redacted]<br>Reviewer Comment (2025-09-24): Please accept as is.<br>Buyer Comment (2025-09-23): See [Redacted]provided |  |  | 10/08/2025 | 2 B |  | AZ | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50597 |  |  |  | 34676071 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted] | The business or personal tax returns provided are not the most recent. Application Date[Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] |  |  |  | Reviewer Comment (2025-09-24): Client accepts as is.<br>Buyer Comment (2025-09-22): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted]and prior to closing.<br>Buyer Comment (2025-09-22): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing. |  |  | 10/08/2025 | 2 B |  | AZ | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50312 |  |  |  | 34676076 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of HOA Document for [Redacted] |  |  |  | Reviewer Comment (2025-09-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-29): docs uploaded | 09/30/2025 |  |  | 1 C A |  | CO | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50312 |  |  |  | 34676077 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide reason for lender excluding [Redacted]with balance of [Redacted]<br> . |  |  |  | Reviewer Comment (2025-09-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-29): docs uplaoded | 09/30/2025 |  |  | 1 C A |  | CO | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50625 |  |  |  | 34721353 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | The Note is not executed by the borrowers. |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Seller Comment (2025-10-29): Attached a Copy if the fully executed Note, Please Clear. | 10/30/2025 |  |  | 1 D A |  | ID | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50630 |  |  |  | 34757677 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-13): Received [Redacted] valuation CDA with value $[Redacted] . Exception Cleared.<br>Buyer Comment (2025-10-09): CDA | 10/13/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50619 |  |  |  | 34757678 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The file was missing copy of [Redacted]. |  |  |  | Reviewer Comment (2025-10-13): Received and associated Final Inspection / [Redacted]. Exception Cleared.<br>Buyer Comment (2025-10-09): docs uploaded | 10/13/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50622 |  |  |  | 34806332 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-11-03): Client accepts as is.<br>Seller Comment (2025-10-31): The AVM is on page [Redacted]of [Redacted] ([Redacted]). |  |  | 11/03/2025 | 2 B |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50292 |  |  |  | 34799897 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): A [Redacted]was received. | 10/10/2025 |  |  | 1 D A B C |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50292 |  |  |  | 34799900 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-10): A BPO was received.<br>Reviewer Comment (2025-10-09): Valuation Received - [Redacted] | 10/10/2025 |  |  | 1 A |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50292 |  |  |  | 34799901 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-10): The client elects to waive. |  |  | 10/10/2025 | 2 B |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50269 |  |  |  | 34799903 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted] " section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-15): Seller acknowledges the exception, no change to grading. |  |  | 09/15/2025 | 2 B |  | FL | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50113 |  |  |  | 34799911 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-07): [Redacted] provided and does not support value. To be addressed in separate exception. | 10/07/2025 |  |  | 1 D A |  | CA | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50113 |  |  |  | 34799913 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): [Redacted] provided.<br>Reviewer Comment (2025-10-06): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | CA | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50113 |  |  |  | 34799914 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | Variance between the [Redacted] and BPO is > [Redacted]%. |  |  |  | Reviewer Comment (2025-10-09): An updated [Redacted] was received, and the value is now -[Redacted] % of the appraisal value within tolerance | 10/09/2025 |  |  | 1 A |  | CA | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50110 |  |  |  | 34799921 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [Redacted]business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received tracking document for LE.<br>Buyer Comment (2025-09-12): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted] Please be aware, [Redacted] denotes the time the LE was viewed/received by the borrower electronically. | 09/15/2025 |  |  | 1 C A |  | AR | Second Home | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50266 |  |  |  | 34799930 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on[Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change to grading. |  |  | 09/16/2025 | 2 B |  | CA | Second Home | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50293 |  |  |  | 34799941 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-06): [Redacted] provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | MA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50293 |  |  |  | 34799942 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received [Redacted] . Subsequent exception set as a result. This exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | MA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50293 |  |  |  | 34799943 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): The client elects to waive. |  |  | 10/15/2025 | 2 B |  | MA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50027 |  |  |  | 34799947 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): [Redacted] provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50027 |  |  |  | 34799950 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50103 |  |  |  | 34799959 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The file is missing final closing statement for the sale of REO at [Redacted] Please provide final closing statement or copy of wire transfer to source large deposit of net proceeds of $[Redacted] for review. |  |  |  | Reviewer Comment (2025-09-19): Closing statement for the sale of REO at [Redacted] is provided. Exception Cleared<br>Buyer Comment (2025-09-18): Please see attached, settlement for the property at settlement statement | 09/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50031 |  |  |  | 34799965 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the VVOE obtained within [Redacted] business days of closing, or post-closing as allowed by [Redacted]. Please provide for review. |  |  |  | Reviewer Comment (2025-09-16): Received screenshot verifying proof VVOE was recertified on [Redacted] . Cleared exception.<br>Buyer Comment (2025-09-15): Please see attached screenshot from our LOS confirming when the VOE was recertified. | 09/16/2025 |  |  | 1 C A |  | NJ | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50250 |  |  |  | 34799973 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change to grading. |  |  | 09/16/2025 | 2 B |  | FL | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50294 |  |  |  | 34799984 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | FL | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50294 |  |  |  | 34799987 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50294 |  |  |  | 34799988 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | BPO provided and supports value, exception cleared. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-14): The client elects to waive. |  |  | 10/14/2025 | 2 B |  | FL | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50093 |  |  |  | 34799993 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-15): seller accepts; no change to grading. |  |  | 09/15/2025 | 2 B |  | MI | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50040 |  |  |  | 34799999 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-08): The CDA was provided. | 10/08/2025 |  |  | 1 D A |  | NC | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50040 |  |  |  | 34800003 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was provided.<br>Reviewer Comment (2025-10-08): Valuation Received - [Redacted] | 10/08/2025 |  |  | 1 A |  | NC | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50295 |  |  |  | 34800007 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50295 |  |  |  | 34800009 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): Received BPO. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50295 |  |  |  | 34800010 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50090 |  |  |  | 34800016 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50090 |  |  |  | 34800019 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50296 |  |  |  | 34800034 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | OH | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50296 |  |  |  | 34800037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-15): Seller acknowledges exception, no change to grading. |  |  | 09/15/2025 | 2 B |  | OH | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50296 |  |  |  | 34800038 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | OH | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50296 |  |  |  | 34800039 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-10-07): Seller acknowledges exception, no change in grading |  |  | 10/07/2025 | 2 B |  | OH | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50298 |  |  |  | 34800042 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50298 |  |  |  | 34800045 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50298 |  |  |  | 34800046 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): The client elects to waive. |  |  | 10/15/2025 | 2 B |  | CA | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50059 |  |  |  | 34800050 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): A CDA was received. | 10/06/2025 |  |  | 1 D A |  | NJ | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50059 |  |  |  | 34800051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges. No change to grading. |  |  | 09/16/2025 | 2 B |  | NJ | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50059 |  |  |  | 34800053 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): A CDA was received.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NJ | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50122 |  |  |  | 34800058 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | UT | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50122 |  |  |  | 34800061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change in grading |  |  | 09/16/2025 | 2 B |  | UT | Second Home | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50122 |  |  |  | 34800062 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the Experian verification considered by DU for the co-borrower's Simply Posh VVOE. Please provide for review. |  |  |  | Reviewer Comment (2025-09-16): Received [Redacted] Party Verification of the co-borrower's employment. Exception cleared.<br>Buyer Comment (2025-09-16): please see attached | 09/16/2025 |  |  | 1 C A |  | UT | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50122 |  |  |  | 34800063 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-06): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | UT | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50124 |  |  |  | 34800068 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[Redacted]on the Loan Estimate, but was disclosed as -$[Redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close CD reflecting the tolerance cure of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-09-18): Please see attached, PCCD, LOE and cure check |  | 09/19/2025 |  | 2 C B |  | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCAT2025INV50124 |  |  |  | 34800071 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | AZ | Second Home | Purchase | D B A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50124 |  |  |  | 34800072 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-06): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D B A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCAT2025INV50302 |  |  |  | 34800090 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-13): The BPO was received. | 10/13/2025 |  |  | 1 D A B C |  | TN | Second Home | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50302 |  |  |  | 34800091 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-13): The BPO was received.<br>Reviewer Comment (2025-10-13): Valuation Received - [Redacted] | 10/13/2025 |  |  | 1 A |  | TN | Second Home | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50302 |  |  |  | 34800092 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | The BPO came back -[Redacted] % lower than the Appraisal Waiver value. |  |  |  |  |  |  |  | 3 C B |  | TN | Second Home | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50299 |  |  |  | 34800099 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50299 |  |  |  | 34800102 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50299 |  |  |  | 34800103 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): The client elects to waive. |  |  | 10/15/2025 | 2 B |  | NC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50078 |  |  |  | 34800108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-16): Please see the attached screenshot showing verification of the loan estimate. The received by [Redacted] is borrower verification of the loan estimate, and the outstanding tracking is when the le was created. | 09/17/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50078 |  |  |  | 34800110 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): The CDA was received. | 10/10/2025 |  |  | 1 D A |  | AZ | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50078 |  |  |  | 34800112 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-10): The CDA was received.<br>Reviewer Comment (2025-10-09): Valuation Received - [Redacted] | 10/10/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50300 |  |  |  | 34800118 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | CO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50300 |  |  |  | 34800119 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50300 |  |  |  | 34800120 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): The client elects to waive. |  |  | 10/15/2025 | 2 B |  | CO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50063 |  |  |  | 34800128 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a [Redacted] within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change to grading. |  |  | 09/16/2025 | 2 B |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50063 |  |  |  | 34800130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted] " section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change to grading. |  |  | 09/16/2025 | 2 B |  | SC | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50063 |  |  |  | 34800131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-16): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted] Please be aware,[Redacted] denotes the time the LE was viewed/received by the borrower electronically. | 09/17/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50069 |  |  |  | 34800141 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted]not received by borrower at least[Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-16): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 09/17/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50131 |  |  |  | 34800148 |  | Compliance | Compliance | State Compliance | Misc. State Level | Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) | [Redacted]: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledged exception, no change in grading |  |  | 09/17/2025 | 2 B |  | NE | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50301 |  |  |  | 34800153 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): The BPO was received | 10/10/2025 |  |  | 1 D A B C |  | AR | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50301 |  |  |  | 34800155 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan discount point last disclosed as $[Redacted] on the Initial Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): [Redacted] upon further review the points were correctly disclosed as per rate lock.<br>Buyer Comment (2025-09-18): Please cancel exception, the initial locked loan estimate issued on [Redacted] shows $[Redacted] for loan points and did not change on the final CD. | 09/19/2025 |  |  | 1 C A |  | AR | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50301 |  |  |  | 34800156 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-10): The BPO was received<br>Reviewer Comment (2025-10-09): Valuation Received - [Redacted] | 10/10/2025 |  |  | 1 A |  | AR | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50301 |  |  |  | 34800157 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-10): The client elects to waive. |  |  | 10/10/2025 | 2 B |  | AR | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800168 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A B C |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800170 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of [Redacted](APOR) does not match Due Diligence Loan Designation of [Redacted](APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-09-26): Business tax returns and [Redacted]provided. Exception cleared.<br>Buyer Comment (2025-09-25): Please review as all QM exceptions have been addressed. | 09/26/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50303 |  |  |  | 34800171 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least[Redacted]business days prior to consummation |  |  |  |  | Reviewer Comment (2025-09-24): [Redacted] received Interim CD dated [Redacted]<br>Buyer Comment (2025-09-24): Please see the attached cd [Redacted] and coc for loan amount change. | 09/24/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | TRID timing exception, no remediation available. B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800172 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the Title-Survey fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-26): [Redacted] received corrected PCCD and LOE moving the survey fee from section [Redacted]<br>Reviewer Comment (2025-09-26): [Redacted] received corrected PCCD and LOE moving the survey fee from section [Redacted] However, from LOE it is not verified whether the moved fee was lender required or not. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-09-25): Please see attached redisclosure package, including email verification that it was sent to borrower, email is letter of explanation, and CD is included. | 09/26/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50303 |  |  |  | 34800173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-09-25): seller accepts; no change to grading. |  |  | 09/25/2025 | 2 B |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | Increase in DTI due to missing most recent [Redacted] and [Redacted] Income has been calculated using the available documents at the time of review. |  |  |  | Reviewer Comment (2025-09-22): Provided [Redacted]and [Redacted] document, Exception Cleared.<br>Buyer Comment (2025-09-19): [Redacted] Please see attached most recent year [Redacted]'s. Please review to clear<br> this condition. | 09/22/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800175 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Increase in DTI due to missing most recent business tax forms [Redacted]and [Redacted], calculated income as per available documents at time of review. |  |  |  | Reviewer Comment (2025-09-22): Provided [Redacted] and [Redacted] document, Exception Cleared.<br>Buyer Comment (2025-09-19): [Redacted] Please see attached most recent year [Redacted]'s. Please review to clear<br> this condition. | 09/22/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800176 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-22): Provided [Redacted] and [Redacted]document, Exception Cleared.<br>Buyer Comment (2025-09-19): [Redacted] Please see attached most recent year [Redacted] 's. Please review to clear<br> this condition. | 09/22/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800177 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-09-22): Provided [Redacted] and [Redacted]document, Exception Cleared.<br>Buyer Comment (2025-09-19): [Redacted] Please see attached most recent year [Redacted]'s. Please review to clear<br> this condition.<br>Buyer Comment (2025-09-19): Please see attached most recent year [Redacted] 's. Please review to clear this condition. | 09/22/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800178 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] received corrected [Redacted] and LOE moving the survey fee from section B to C. However, from LOE it is not verified whether the moved fee was lender required or not. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. |  |  |  | Reviewer Comment (2025-09-29): [Redacted] received rebuttal, PCCD and LOE<br>Buyer Comment (2025-09-26): We confirm the survey fee was not required for the loan and was outsourced by the borrower-chosen provider. | 09/29/2025 |  |  | 1 A |  | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50303 |  |  |  | 34800179 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50303 |  |  |  | 34800180 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-06): The client elects to waive. |  |  | 10/06/2025 | 2 B |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50146 |  |  |  | 34800183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Insufficient or no cure was provided to the borrower. | [Redacted] % fee violation due to an increase in the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): [Redacted] received system snip with bifurcation of Recoding fee and transfer taxes disclosed on initial LE and the fees are within that [Redacted]% tolerance requirement.<br>Buyer Comment (2025-09-18): Please see the attached internal documentation further supporting the fee bifurcation.<br>Buyer Comment (2025-09-18): Section E fees consist of Transfer taxes: $[Redacted]and Recording fees: $[Redacted]for a total of $[Redacted] on both the Initial LE and all subsequent LE's and and CD's. The $[Redacted] [Redacted] recording fee was initially lumped into the transfer tax and later moved to the recording fee line but the fee itself never increased. | 09/19/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50146 |  |  |  | 34800185 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-07): BPO provided and supports value, exception cleared. | 10/07/2025 |  |  | 1 D A |  | GA | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50146 |  |  |  | 34800186 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): BPO provided and supports value, exception cleared.<br>Reviewer Comment (2025-10-07): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | GA | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50164 |  |  |  | 34800201 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-09-19): [Redacted] received rebuttal suffice<br>Buyer Comment (2025-09-18): Can confirm Doc ID [Redacted] was not delivered to the borrower. As evidence, please note at the bottom the document is missing a scannable bar code. All documents delivered to the borrower will have a bar code at the bottom.<br>Reviewer Comment (2025-09-17): [Redacted] received comment. However the file contains incomplete CD dated[Redacted]. In order to remove from testing we would require attestation from lender or comment stating this CD (Doc ID [Redacted]) was not sent to the borrower along with detail explanation.<br>Buyer Comment (2025-09-17): The file already contains the initial CD, found on page [Redacted]. Please clarify as to which CD is missing. | 09/19/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50160 |  |  |  | 34800222 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges. No change to grading. |  |  | 09/17/2025 | 2 B |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50160 |  |  |  | 34800224 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted] a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-24): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-23): Please see the attached dated cic. The loan amount increase was disclosed on the CD dated [Redacted] on page [Redacted] of the loan images.<br>Reviewer Comment (2025-09-23): [Redacted] received CIC, but it does not provide sufficient information on when the changes were made and redisclosure sent to borrower. Provide updated CIC with date of reason change and corresponding disclosure send to borrower.<br>Buyer Comment (2025-09-22): Please see the attached CIC form for the change in loan amount.<br>Reviewer Comment (2025-09-19): [Redacted] received valid rebuttal comment for the loan amount change to increase the discount point fee. However, there seems to be no COC in the loan file for the same to associate with the [Redacted] CD to re-baseline this exception. Provide valid COC for the same to complete remediation.<br>Buyer Comment (2025-09-18): Please see the attached revised [Redacted].<br>Buyer Comment (2025-09-18): The discount fee increased because it represents a percentage of the loan amount and the loan amount increased from $[Redacted]to $[Redacted] on[Redacted]<br>Reviewer Comment (2025-09-18): [Redacted] Discount point fee increased on CD dated [Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-17): The LTV increased from [Redacted]% to [Redacted]% on when the appraised value was received less than anticipated at $[Redacted]. The LTV change caused the pricing changes resulting in the discount point fee. | 09/24/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50161 |  |  |  | 34800227 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-09): The BPO was provided. | 10/09/2025 |  |  | 1 D A |  | MN | Second Home | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50161 |  |  |  | 34800228 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] for the borrower is blank. Please provide [Redacted] or equivalent documentation for review. |  |  |  | Reviewer Comment (2025-09-16): [Redacted]received. Exception cleared.<br>Buyer Comment (2025-09-16): Please see attached legible [Redacted]. | 09/16/2025 |  |  | 1 C A |  | MN | Second Home | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50161 |  |  |  | 34800229 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-09): The BPO was provided.<br>Reviewer Comment (2025-10-07): Valuation Received - [Redacted] | 10/09/2025 |  |  | 1 A |  | MN | Second Home | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50161 |  |  |  | 34800230 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | The BPO value is [Redacted] % lower than the appraisal value. |  |  |  | Reviewer Comment (2025-10-13): An updated BPO with a value within [Redacted]% of the appraisal. | 10/13/2025 |  |  | 1 A |  | MN | Second Home | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50279 |  |  |  | 34800237 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | NC | Second Home | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50279 |  |  |  | 34800239 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-08): The CDA was received. | 10/08/2025 |  |  | 1 D A |  | NC | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50279 |  |  |  | 34800241 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a [Redacted] The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-09-17): Master Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached, [Redacted] policy as requested. | 09/17/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50279 |  |  |  | 34800243 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was received.<br>Reviewer Comment (2025-10-08): Valuation Received - [Redacted] | 10/08/2025 |  |  | 1 A |  | NC | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50304 |  |  |  | 34800248 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A B C |  | TX | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50304 |  |  |  | 34800251 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | TX | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50304 |  |  |  | 34800252 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-10-07): Seller acknowledges the exception, no change to grading. |  |  | 10/07/2025 | 2 B |  | TX | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50185 |  |  |  | 34800257 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-15): seller accepts; no change to grading. |  |  | 09/15/2025 | 2 B |  | FL | Second Home | Purchase | Good Faith Redisclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCAT2025INV50284 |  |  |  | 34800266 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-09-15): Seller acknowledges exception, no change to grading. |  |  | 09/15/2025 | 2 B |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50284 |  |  |  | 34800267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-15): Seller acknowledges exception, no change to grading. |  |  | 09/15/2025 | 2 B |  | CA | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50282 |  |  |  | 34800271 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-09-18): Received Master Insurance Policy document. Exception Cleared.<br>Buyer Comment (2025-09-17): Walls in coverage is not required on this transaction. However, the master condo policy is attached. | 09/18/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50282 |  |  |  | 34800275 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  |  |  | Reviewer Comment (2025-09-18): Received Master Insurance Policy document. Exception Cleared. | 09/18/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50305 |  |  |  | 34800282 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): The BPO was received | 10/10/2025 |  |  | 1 D A B C |  | MO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50305 |  |  |  | 34800283 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "[Redacted]" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | MO | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50305 |  |  |  | 34800286 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-10): The BPO was received<br>Reviewer Comment (2025-10-09): Valuation Received -[Redacted] | 10/10/2025 |  |  | 1 A |  | MO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50305 |  |  |  | 34800287 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-10): The client elects to waive. |  |  | 10/10/2025 | 2 B |  | MO | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50306 |  |  |  | 34800302 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-10-13): A BPO was received | 10/13/2025 |  |  | 1 D A B C |  | TX | Second Home | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50306 |  |  |  | 34800303 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form [Redacted] Days |  |  |  | Reviewer Comment (2025-10-13): A BPO was received.<br>Reviewer Comment (2025-10-10): Valuation Received - [Redacted] | 10/13/2025 |  |  | 1 A |  | TX | Second Home | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50306 |  |  |  | 34800304 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted]years.<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-13): The client elects to waive. |  |  | 10/13/2025 | 2 B |  | TX | Second Home | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50204 |  |  |  | 34800310 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-06): The TPOL was provided | 10/06/2025 |  |  | 1 A |  | HI | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50204 |  |  |  | 34800311 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-17): Title Final policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached, final title poliy as requested. | 09/17/2025 |  |  | 1 C A |  | HI | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50204 |  |  |  | 34800312 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | HI | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50204 |  |  |  | 34800314 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | HI | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50210 |  |  |  | 34800324 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50210 |  |  |  | 34800327 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-05): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50215 |  |  |  | 34800343 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least[Redacted]business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-16): Please see the attached screenshot showing verification of the loan estimate. The received by [Redacted] is borrower verification of the loan estimate, and the outstanding tracking is when the le was created. | 09/17/2025 |  |  | 1 C A |  | TN | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50220 |  |  |  | 34800348 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50220 |  |  |  | 34800350 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50221 |  |  |  | 34800359 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the tax certificate for the investment property. |  |  |  | Reviewer Comment (2025-09-16): Received property history report confirming the tax amount for [Redacted] Exception cleared.<br>Buyer Comment (2025-09-16): Please see attached confirming the taxes for this property. | 09/16/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50223 |  |  |  | 34800363 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50223 |  |  |  | 34800364 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the[Redacted] for [Redacted] Please provide for review. |  |  |  | Reviewer Comment (2025-09-21): [Redacted] provided and supports income considered. Exception cleared.<br>Buyer Comment (2025-09-18): Please see the [Redacted] attached | 09/21/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50223 |  |  |  | 34800365 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] - party verification for[Redacted] was not timestamped. Please provide evidence of when this was obtained by the lender for review. |  |  |  | Reviewer Comment (2025-09-21): Evidence of lender obtaining the third-party verification within [Redacted] days of the Note has been provided.[Redacted] Exception cleared.<br>Buyer Comment (2025-09-18): Please see the screen shot below from our internal document system (please adjust the zoom if necessary) - it confirms the third party [Redacted] verification was uploaded to our system on [Redacted] The client would not have completed the verification prior to application date of[Redacted]and this should be sufficient evidence to verify it was completed within [Redacted]days of closing on [Redacted] | 09/21/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50223 |  |  |  | 34800366 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50224 |  |  |  | 34800372 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50224 |  |  |  | 34800373 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received -[Redacted] | 10/03/2025 |  |  | 1 A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50138 |  |  |  | 34800381 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50138 |  |  |  | 34800382 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50225 |  |  |  | 34800397 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50225 |  |  |  | 34800398 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the hazard insurance documentation for REO located on [Redacted] , please provide for review. |  |  |  | Reviewer Comment (2025-09-22): Provided Hazard insurance document, Exception Cleared<br>Buyer Comment (2025-09-19): Please see attached<br>Reviewer Comment (2025-09-17): Agree with client rebuttal that the [Redacted] and [Redacted] does not need to be updated. However, the page(s) indicated for the policy for this property does not reflect the premium amount for qualifying. Please provide evidence of the premium for the policy for this property. Exception remains.<br>Buyer Comment (2025-09-15): [Redacted] disclosed a higher more conservative amount. An updated [Redacted] and [Redacted] should not need to be provided as it does not cause a DTI change greater than [Redacted]%. Additionally, we know the borrower can afford as DTI is only [Redacted]%. Please escalate for this to be cleared as-is<br>Reviewer Comment (2025-09-15): Please provide the Hazard Insurance document for remaining expenses $[Redacted]. Exception Remains.<br>Buyer Comment (2025-09-12): Please review [Redacted] which contains the [Redacted] policy for [Redacted] The policy shows loan#[Redacted] in the top right corner, which is a match the the loan number in REO for [Redacted] on [Redacted]. | 09/22/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50225 |  |  |  | 34800399 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50239 |  |  |  | 34800411 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): CDA provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50239 |  |  |  | 34800412 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): CDA provided supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NJ | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50238 |  |  |  | 34800429 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-08): The CDA was received. | 10/08/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50238 |  |  |  | 34800430 |  | Credit | Title | Document Error | Title | The 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 (2025-09-16): Title Final policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-09-16): Please see attached, final title policy as requested. | 09/16/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50238 |  |  |  | 34800431 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was received.<br>Reviewer Comment (2025-10-08): Valuation Received - [Redacted] | 10/08/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50013 |  |  |  | 34800438 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-03): Received BPO supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50013 |  |  |  | 34800439 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/03/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50268 |  |  |  | 34800443 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The file was missing the master flood insurance policy for the [Redacted] . Please provide for review. |  |  |  | Reviewer Comment (2025-09-19): Flood insurance master policy is provided, Exception Cleared<br>Buyer Comment (2025-09-18): Please see the attached flood policy. | 09/19/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50268 |  |  |  | 34800444 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing the master hazard insurance policy for the [Redacted] . Please provide for review. |  |  |  | Reviewer Comment (2025-09-19): Hazard Master insurance policy provided. Exception Cleared | 09/19/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50116 |  |  |  | 34800449 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] - party verification for the borrower's [Redacted] was missing. Please provide the [Redacted] - party verification obtained by the lender for review. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] party verification was provided to confirm self-employment. Exception cleared.<br>Buyer Comment (2025-09-15): Please see the se verification for [Redacted] and proof of when the documentation was received by underwriting. | 09/17/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50237 |  |  |  | 34800451 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change in grading |  |  | 09/16/2025 | 2 B |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50237 |  |  |  | 34800452 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50237 |  |  |  | 34800453 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of $[Redacted], $[Redacted] $[Redacted] , $[Redacted] were not provided |  |  |  | Reviewer Comment (2025-09-16): Pay history associated for source of deposit<br>Buyer Comment (2025-09-16): Please review pg[Redacted] which contains the source of the deposits ioa $[Redacted] on [Redacted], $[Redacted] on[Redacted] and $[Redacted] on [Redacted] The deposit of $[Redacted] on[Redacted] can be found on pg[Redacted]. These were all construction draws from [Redacted] The corresponding loan statements can be found on[Redacted] and[Redacted]. Please use this to resolve the exception. Thank you | 09/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50237 |  |  |  | 34800454 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50014 |  |  |  | 34800459 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50014 |  |  |  | 34800460 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50107 |  |  |  | 34800493 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the insurance documentation for this property. Although the property is owned free and clear, it appears HOI was utilized in qualifying. Please provide clarification/documentation for review. |  |  |  | Reviewer Comment (2025-09-15): Hazard Insurance policy is in file. Exception cleared.<br>Buyer Comment (2025-09-15): Please see page [Redacted] , the insurance information has already been provided. | 09/15/2025 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50106 |  |  |  | 34800499 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-09-18): Updated[Redacted]& AUS received with no HOA dues for property [Redacted] Exception cleared.<br>Buyer Comment (2025-09-18): Please see the attached for the updated[Redacted] and AUS. HOA dues were added to this property in error as these do not exist.<br>Buyer Comment (2025-09-18): Please see the attached for the updated [Redacted]and AUS. HOA dues were added to this property in error as these do not exist.<br>Buyer Comment (2025-09-18): Please see the attached for the updated [Redacted] nd AUS. HOA dues were added to this property in error as these do not exist. | 09/18/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50226 |  |  |  | 34800503 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50226 |  |  |  | 34800504 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50020 |  |  |  | 34800512 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The internet search for the borrower's Sole Proprietorship does not contain a timestamp. Please provide evidence of the date the verification was obtained. |  |  |  | Reviewer Comment (2025-09-17): Time stamped [Redacted] party verification was provided to confirm document was obtained with [Redacted] days of note date. Exception cleared.<br>Buyer Comment (2025-09-15): Please see the attached evidence of timestamp. | 09/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50291 |  |  |  | 34800526 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-09): The BPO was provided. | 10/09/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50291 |  |  |  | 34800527 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-09): The BPO was provided.<br>Reviewer Comment (2025-10-08): Valuation Received -[Redacted] | 10/09/2025 |  |  | 1 A |  | GA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50291 |  |  |  | 34800528 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 | Note Date: ___; Lien Position: ___ | The BPO value is [Redacted] % lower than the appraisal value. |  |  |  | Reviewer Comment (2025-10-14): An updated BPO was received, and the value is now within the [Redacted] % tolerance. | 10/14/2025 |  |  | 1 A |  | GA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50025 |  |  |  | 34800553 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Please provide clarification/documentation for the additional monthly property expenses in the monthly amount of $[Redacted] . It appears property taxes were considered in the amount of $[Redacted] . There was an additional property tax bill found in file that would account for the difference, but the property address reflects [Redacted] as the [Redacted] versus the [Redacted] address. |  |  |  | Reviewer Comment (2025-09-15): Updated [Redacted] received for Insurance & Taxes. Exception cleared.<br>Buyer Comment (2025-09-15): Please see the corrected [Redacted] tax annual amount of $[Redacted] as per documentation and HOI $[Redacted].<br>Buyer Comment (2025-09-15): Please see the corrected [Redacted] tax annual amount of $[Redacted]as per documentation and HOI $[Redacted]. | 09/15/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50026 |  |  |  | 34800563 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-09-18): HOA document received. Exception cleared.<br>Buyer Comment (2025-09-18): Please see the screen shot and link below from [Redacted] verifying $[Redacted] in HOA dues for [Redacted] <br> [Redacted] | 09/18/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50028 |  |  |  | 34800570 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50028 |  |  |  | 34800571 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [[Redacted]] | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-09-17): Client elects to waive with compensating factor. |  |  | 09/17/2025 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50028 |  |  |  | 34800572 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-06): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | TX | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50104 |  |  |  | 34800575 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50104 |  |  |  | 34800576 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50101 |  |  |  | 34800593 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide [Redacted] or WVOE verifying [Redacted] earnings as required per DU due to the use of variable income in qualifying. |  |  |  | Reviewer Comment (2025-09-17): Received[Redacted] Exception Cleared.<br>Buyer Comment (2025-09-15): Please see the attached [Redacted] w2 and revised [Redacted]noting the borrowers complete employment history.<br>Buyer Comment (2025-09-15): Please see the attached [Redacted]w2 and revised [Redacted] noting the borrowers complete employment history. | 09/17/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50290 |  |  |  | 34800599 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | LA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50290 |  |  |  | 34800600 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO provided and supports value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | LA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50227 |  |  |  | 34800607 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | NM | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50227 |  |  |  | 34800608 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing VVOE for the co-borrower. |  |  |  | Reviewer Comment (2025-09-18): LES associated in lieu of VVOE. Exception cleared.<br>Buyer Comment (2025-09-18): VOE is not required for this product due to the borrower being in [Redacted] Please review to clear this condition. | 09/18/2025 |  |  | 1 C A |  | NM | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50227 |  |  |  | 34800609 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NM | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50228 |  |  |  | 34800615 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50228 |  |  |  | 34800616 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide a copy of the Closing Disclosure for the new second lien obtained on the additional REO to verify proceeds in the amount of $[Redacted] . |  |  |  | Reviewer Comment (2025-09-16): Provided Final Closing Disclosure Document. Exception Cleared.<br>Buyer Comment (2025-09-15): Please see the final CD for [Redacted] ttached | 09/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50228 |  |  |  | 34800617 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50097 |  |  |  | 34800631 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-07): The BPO was received | 10/07/2025 |  |  | 1 D A |  | MI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50097 |  |  |  | 34800632 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): The BPO was received<br>Reviewer Comment (2025-10-07): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | MI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50096 |  |  |  | 34800633 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50096 |  |  |  | 34800634 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50032 |  |  |  | 34800643 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Bonus income was calculated in the monthly amount of $[Redacted] base on a [Redacted] year average from the WVOE. Bonus of $[Redacted] used to qualify was not supported with the documentation provided. If RSU income was used as bonus, please provide evidence of average stock price, current vesting schedule showing the receipt of shares for the past years and restricted stock agreement if required. |  |  |  | Reviewer Comment (2025-09-17): Provided updated AUS, [Redacted] document. Exception cleared.<br>Buyer Comment (2025-09-15): Please see attached, updated AUS, [Redacted]confirming the lowered bonus income amount | 09/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50034 |  |  |  | 34800654 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of property on [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-09-15): Closing statement received. Exception cleared.<br>Buyer Comment (2025-09-15): Please see the attached settlement statement for the sale of the non-subject. | 09/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50036 |  |  |  | 34800660 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50036 |  |  |  | 34800662 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NC | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50230 |  |  |  | 34800687 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | PA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50230 |  |  |  | 34800688 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/03/2025 |  |  | 1 A |  | PA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50289 |  |  |  | 34800696 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-10-07): The BPO was received. | 10/07/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50289 |  |  |  | 34800698 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): The BPO was received.<br>Reviewer Comment (2025-10-07): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50289 |  |  |  | 34800699 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | Valuation Value % Difference is [Redacted] % |  |  |  | Reviewer Comment (2025-10-09): An updated BPO was received, and the value is now -[Redacted] % of the appraisal value within tolerance | 10/09/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50039 |  |  |  | 34800704 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's [Redacted] is missing from file. Please provide for review. |  |  |  | Reviewer Comment (2025-09-19): Received WVOE verifying earnings. Exception remains.<br>Buyer Comment (2025-09-17): The [Redacted] requirement for [Redacted] is met by the wvoe on page [Redacted] of the loan images. Please see the attached wvoe for [Redacted]confirming [Redacted] yr end earnings. | 09/19/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50041 |  |  |  | 34800711 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50041 |  |  |  | 34800712 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-09-17): Hazard Insurance Policy received. Exception cleared<br>Buyer Comment (2025-09-17): Please see the attached HOI policy. | 09/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50041 |  |  |  | 34800713 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/03/2025 |  |  | 1 A |  | TX | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50043 |  |  |  | 34800722 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50043 |  |  |  | 34800723 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NC | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50044 |  |  |  | 34800725 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-18): Received Title Commitment document. Exception Cleared.<br>Buyer Comment (2025-09-17): Please see the full title commitment attached | 09/18/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50044 |  |  |  | 34800726 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Bonus was utilized in the amount of $[Redacted] versus $[Redacted] . Bonus was annualized as there was no evidence it was paid throughout the year. YTD was utilized as there was a reduction from [Redacted] to [Redacted] to [Redacted] . Documentation is required to verify bonus should not be annualized in order to consider higher bonus earnings. |  |  |  | Reviewer Comment (2025-09-19): Received client response for clarification of bonus payout. Exception cleared.<br>Buyer Comment (2025-09-17): [Redacted] provided the [Redacted] year-end paystub, which reflects an Annual EIP bonus of $[Redacted] , in addition to three "[Redacted] for Years [Redacted] While the most recent paystub does not show a bonus received in the current pay period, if the client is paid quarterly or semi-annually, the Bonus Frequency should be entered as monthly. The [Redacted] paystub shows $[Redacted] in Annual EIP Bonus. Compared to the same bonus type in [Redacted] , this suggests the client will receive additional bonus payments before year-end. This supports the classification of the bonus as semi-annual and confirms that it was correctly entered with a monthly bonus frequency. | 09/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50231 |  |  |  | 34800730 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50231 |  |  |  | 34800731 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50231 |  |  |  | 34800732 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/03/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50264 |  |  |  | 34800740 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | AZ | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50264 |  |  |  | 34800741 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is located in a [Redacted] Project. Please provide a copy of the Master Condo Policy. |  |  |  | Reviewer Comment (2025-09-17): Received Condo Master Insurance Policy. Exception Cleared.<br>Buyer Comment (2025-09-17): Please see attached condo master insurance policy. | 09/17/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50264 |  |  |  | 34800742 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50232 |  |  |  | 34800782 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50232 |  |  |  | 34800783 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50085 |  |  |  | 34800801 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's VVOE was missing the source to obtain the employer's phone [Redacted]. Please provide documentation to support for review. |  |  |  | Reviewer Comment (2025-09-21): Received screenshot verified employer's phone number taken from [Redacted] . Exception cleared<br>Buyer Comment (2025-09-18): Please see the attached internal documentation confirming [Redacted] was used to verify the employers contact info. | 09/21/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50085 |  |  |  | 34800802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower's income used in qualifying, consists of base plus commission earnings. The AUS was submitted with all earnings disclosed as base earnings only. Please provide a revised AUS correctly reflecting the income breakdown. |  |  |  | Reviewer Comment (2025-09-22): Received updated Aus, [Redacted] document with Income breakdown. Exception Cleared.<br>Buyer Comment (2025-09-19): The aus doesnt reflect any breakdown of income. However, aus , updated [Redacted] are attached.<br>Buyer Comment (2025-09-19): The aus doesnt reflect any breakdown of income. However, aus , updated [Redacted] re attached. | 09/22/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50254 |  |  |  | 34800803 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50254 |  |  |  | 34800804 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50263 |  |  |  | 34800814 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing the condo master insurance policy. Please provide for review. |  |  |  | Reviewer Comment (2025-09-18): Master Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-18): Please see the attached homeowners insurance. | 09/18/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50050 |  |  |  | 34800820 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The borrower and co-borrower each have [Redacted] % ownership in the [Redacted] . It appears all income may have been reported under the borrower only. Please provide revised AUS, 1008 and [Redacted] accurately reflecting the co-borrower's income portion, if this is to be utilized in qualifying. |  |  |  | Reviewer Comment (2025-09-23): Received revised AUS correctly breaking down [Redacted] and [Redacted] SE income. Exception cleared.<br>Buyer Comment (2025-09-22): Please see attached, updated [Redacted] , AUS and [Redacted] as requested | 09/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50262 |  |  |  | 34800821 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges the exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | GCAT2025INV50262 |  |  |  | 34800822 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-09-18): Received revised AUS,[Redacted] and [Redacted] with corrected rental income,[Redacted] and AUS with corrected DTI. Updated the information and associated the document. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the attached for the updated AUS, [Redacted] and [Redacted] confirming DTI is [Redacted]%. No rental income is being used to qualify. | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | GCAT2025INV50262 |  |  |  | 34800823 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The lender considered the market rent on the subject property, however, a 1007 was not provided for review. |  |  |  | Reviewer Comment (2025-09-18): Received revised AUS,[Redacted] and [Redacted] with corrected rental income,[Redacted] and AUS with corrected DTI. Updated the information and associated the document. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the attached for the updated AUS, [Redacted] and [Redacted]confirming DTI is [Redacted]%. No rental income is being used to qualify.<br>Buyer Comment (2025-09-17): Please see the attached for the updated AUS, [Redacted] and [Redacted] confirming DTI is [Redacted] %. No rental income is being used to qualify. | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | GCAT2025INV50052 |  |  |  | 34800833 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-17): Title commitment received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached title commitment. | 09/17/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50255 |  |  |  | 34800839 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's current rental for the primary residence must be verified as per Section [Redacted] of the AUS. Acceptable documentation includes, but is not limited to one of the following: a direct verification from a management company or individual landlord, six months cancelled checks/equivalent, [Redacted] months bank statements reflect a clear and consistent payment to an organization or individual, or a copy of a fully executed lease agreement and [Redacted] months cancelled checks/equivalent source. Lease agreement was provided. [Redacted] months cancelled checks/bank statements must be provided to meet the minimum requirement. |  |  |  | Reviewer Comment (2025-09-22): Rent was paid via credit card using the borrower's [Redacted] Rewards. Exception cleared.<br>Reviewer Comment (2025-09-22): Rent was paid via credit card using the borrower's [Redacted] Rewards. Exception cleared.<br>Buyer Comment (2025-09-19): Please see the attached [Redacted] months account statements noting the clients rental payments. Included in the monthly amount paid via [Redacted] are $[Redacted] utility fee and $[Redacted] parking fee. | 09/22/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50297 |  |  |  | 34800845 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50297 |  |  |  | 34800846 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50297 |  |  |  | 34800847 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-10-07): Seller acknowledges exception, no change in grading |  |  | 10/07/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50083 |  |  |  | 34800849 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing the Final CD from the recent transaction on this property. Please provide the Final CD or other acceptable documentation to support the new PITIA for review. |  |  |  | Reviewer Comment (2025-09-18): Mortgage statement & Credit report is in file reflecting PITIA amount. Exception cleared.<br>Buyer Comment (2025-09-17): There is no new PITIA for this property. The account is reflected on the clients credit report with [Redacted] [Redacted] . The servicing of the loan recently transferred as verified with the current mortgage statement in your loan file on page [Redacted] however, the monthly payment remained the same and Taxes/HOI can be verified with the [Redacted] | 09/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50233 |  |  |  | 34800854 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50233 |  |  |  | 34800856 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50236 |  |  |  | 34800866 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | MI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50236 |  |  |  | 34800867 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | MI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50080 |  |  |  | 34800873 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided. | 10/06/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50080 |  |  |  | 34800874 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50060 |  |  |  | 34800877 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The final loan applications reflect corrections indicating the borrower and co-borrowers' are Permanent Resident Aliens. Permanent Resident Alien cards were not found in the file. |  |  |  | Reviewer Comment (2025-09-23): Resident alien card received. Exception cleared.<br>Buyer Comment (2025-09-23): Please see attached identification documentation for both borrowers. | 09/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50060 |  |  |  | 34800879 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | The final loan applications reflect corrections indicating the borrower and co-borrowers' are Permanent Resident Aliens. Permanent Resident Alien cards were not found in the file. |  |  |  | Reviewer Comment (2025-09-23): Resident alien card received. Exception cleared.<br>Buyer Comment (2025-09-23): Please see attached identification documentation for both borrowers. | 09/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50273 |  |  |  | 34800883 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-09): The CDA was provided. | 10/09/2025 |  |  | 1 D A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50273 |  |  |  | 34800884 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-09): The CDA was provided. | 10/09/2025 |  |  | 1 A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50273 |  |  |  | 34800885 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-09): The CDA was provided.<br>Reviewer Comment (2025-10-08): Valuation Received - [Redacted] | 10/09/2025 |  |  | 1 A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50123 |  |  |  | 34800895 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-07): BPO provided and does not support value. To be addressed in separate exception. | 10/07/2025 |  |  | 1 D A |  | MN | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50123 |  |  |  | 34800896 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower's paystub in file is not legible. Please provide a legible copy for review. Income will be calculated upon receipt. |  |  |  | Reviewer Comment (2025-09-18): Paystub provided. Exception cleared.<br>Buyer Comment (2025-09-18): Please see attached paystub | 09/18/2025 |  |  | 1 C A |  | MN | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50123 |  |  |  | 34800897 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower's[Redacted] is blank. Please provide [Redacted] for review. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] provided. Exception cleared.<br>Buyer Comment (2025-09-18): Please see attached [Redacted] | 09/18/2025 |  |  | 1 C A |  | MN | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50123 |  |  |  | 34800898 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): BPO provided, exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/07/2025 |  |  | 1 A |  | MN | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50123 |  |  |  | 34800899 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | Variance between the [Redacted] and BPO is > [Redacted] %. |  |  |  | Reviewer Comment (2025-10-09): An updated BPO was received, and the value is now [Redacted]% of the appraisal value within tolerance | 10/09/2025 |  |  | 1 A |  | MN | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50125 |  |  |  | 34800900 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-18): Seller acknowledges. No change to grading. |  |  | 09/18/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50270 |  |  |  | 34800902 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-18): seller accepts; no change to grading. |  |  | 09/18/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50261 |  |  |  | 34800911 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is in a [Redacted] project. Please provide a copy of the master insurance policy for the subject. |  |  |  | Reviewer Comment (2025-09-17): Master Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached master policy. | 09/17/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50261 |  |  |  | 34800912 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The Project Approval expired [Redacted] Please provide documentation verifying lender approval of the project. |  |  |  | Reviewer Comment (2025-09-18): Associated Project Approval document and updated Yes in Valuation Screen. Exception Cleared.<br>Buyer Comment (2025-09-17): Please see attached condo eligibility. | 09/18/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50240 |  |  |  | 34800923 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure from the recent mortgage with [Redacted] to verify PITIA in the amount of $[Redacted] . |  |  |  | Reviewer Comment (2025-09-18): Final Closing disclosure received. Exception cleared.<br>Buyer Comment (2025-09-18): Please see the final executed CD for [Redacted] | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50240 |  |  |  | 34800924 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50240 |  |  |  | 34800925 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-18): Seller acknowledges exception, no change in grading |  |  | 09/18/2025 | 2 B |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50240 |  |  |  | 34800926 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B C A |  | N/A | No |
|  | GCAT2025INV50128 |  |  |  | 34800927 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided. | 10/06/2025 |  |  | 1 D A |  | KY | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50128 |  |  |  | 34800928 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided.<br>Reviewer Comment (2025-10-04): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | KY | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50234 |  |  |  | 34800932 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-07): Received BPO. Subsequent exception set as a result. This exception is cleared. | 10/07/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50234 |  |  |  | 34800933 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-07): BPO received. Exception cleared.<br>Reviewer Comment (2025-10-06): Valuation Received -[Redacted] | 10/07/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50234 |  |  |  | 34800934 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  |  |  |  |  | Reviewer Comment (2025-10-13): A CDA was received and within [Redacted]% tolerance. | 10/13/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50234 |  |  |  | 34800935 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-13): A CDA was received.<br>Reviewer Comment (2025-10-11): Valuation Received - [Redacted] | 10/13/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50234 |  |  |  | 34800936 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-13): The client elects to waive. |  |  | 10/13/2025 | 2 A B |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50260 |  |  |  | 34800952 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The FNMA Project Approval is expired. Please provide evidence/documentation to support lender Limited Review. |  |  |  | Reviewer Comment (2025-09-18): Associated Project Approval document and updated Yes in Valuation Screen. Exception Cleared.<br>Buyer Comment (2025-09-17): The property qualifies for a type A limited condo review because it is an established [Redacted] project, NOT located in FL and LTV is [Redacted] %. No further evidence is required. | 09/18/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50260 |  |  |  | 34800953 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a [Redacted] Project. Please provide a copy of the Master Insurance Policy for the subject. |  |  |  | Reviewer Comment (2025-09-17): Master Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the attached master policy. | 09/17/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50070 |  |  |  | 34800975 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure for the new loan with [Redacted] to verify PITIA in the amount of $[Redacted] for the indicated property. |  |  |  | Reviewer Comment (2025-09-18): Provided Closing Disclosure document, Exception Cleared.<br>Buyer Comment (2025-09-17): Please see the attached final CD for [Redacted] | 09/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50072 |  |  |  | 34800980 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-16): Received a Title Commitment reflecting coverage. A subsequent exception is being added due to insufficient coverage. This exception is cleared.<br>Buyer Comment (2025-09-16): Please see the attached prelim title noting title coverage in the schedule [Redacted] | 09/16/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | GCAT2025INV50072 |  |  |  | 34800982 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Exception is being added due to receiving title commitment with insufficient coverage. |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges. No change to grading. |  |  | 09/17/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | GCAT2025INV50133 |  |  |  | 34800987 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Diligence received only the [Redacted] account history for account ending in [Redacted] . [Redacted] verified the account balance and ownership, however, this letter did not contain all the information that would be obtained on the [Redacted] as required by DU. Please provide the [Redacted] onth bank statement or complete VOD covering the average balance for [Redacted] months. |  |  |  | Reviewer Comment (2025-09-23): Received bank statement for the month of [Redacted] Exception cleared.<br>Buyer Comment (2025-09-23): Please see attached, [Redacted] statement to meet the [Redacted] month requirement, as requested. | 09/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50133 |  |  |  | 34800988 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's [Redacted] in the file was blank. Please provide the most recent year [Redacted] or equivalent documentation for review. |  |  |  | Reviewer Comment (2025-09-17): Received completed [Redacted] for borrower. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached, [Redacted] as requested | 09/17/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50241 |  |  |  | 34800989 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-09): The BPO was received. | 10/09/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50241 |  |  |  | 34800990 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-09): The BPO was received.<br>Reviewer Comment (2025-10-08): Valuation Received - [Redacted] | 10/09/2025 |  |  | 1 A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50242 |  |  |  | 34800992 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received CDA supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50242 |  |  |  | 34800993 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received CDA. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50134 |  |  |  | 34800999 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The subject loan was submitted to DU with[Redacted] financed property however, the borrower has[Redacted] financed properties. The loan casefile must be resubmitted to DU with the correct number of financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted DU, additional conditions may apply. |  |  |  | Reviewer Comment (2025-09-22): Financing on the additional property is not in the borrower's name. Exception cleared.<br>Buyer Comment (2025-09-18): The borrower is on title for the non-subject property at [Redacted] but is not obligated on the mortgage. Accordingly, the lien is properly disclosed in REO. The P&I payment is excluded from qualification and DTI ratios; however, the tax and insurance liability has been included. For this reason, the property is correctly reflected as a financed property in the DU findings. The only alternative approach would be to remove the property and lien from REO and instead report the tax/insurance liability as an installment debt, but we do not believe this is appropriate. While the P&I payment is exempt from ratios, the existence of a mortgage requires the property to remain listed in both REO and DU findings as financed. We request escalation for this to be cleared as-is.<br>Reviewer Comment (2025-09-18): Received AUS also reflecting [Redacted] financed properties. Please provide AUS reflecting with [Redacted]financed properties. Exception Remains.<br>Buyer Comment (2025-09-17): Please see attached<br>Reviewer Comment (2025-09-17): Please provide latest AUS with [Redacted] financed properties. Exception remains.<br>Buyer Comment (2025-09-16): Please be aware the DU findings correctly show [Redacted] inance properties - the subject property[Redacted] and [Redacted] non-subject properties[Redacted] | 09/22/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50272 |  |  |  | 34801005 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] - party verification for the borrower's S-Corp was not timestamped. Please provide evidence of when this was obtained by the lender for review. |  |  |  | Reviewer Comment (2025-09-18): Time stamped [Redacted] party verification document was provided. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing. | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50073 |  |  |  | 34801008 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided. | 10/06/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCAT2025INV50073 |  |  |  | 34801009 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final [Redacted] does not indicate that the property will be an Investment Property or the Final [Redacted] Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Occupancy as investment is not supported by file documentation. Hazard insurance, appraisal, and lack of rental information via lease/Schedule E results in occupancy being unable to be determined. Please provide supporting documentation for the subject being an investment property. |  |  |  | Reviewer Comment (2025-09-21): Client attests the subject is an investment. Variance in HOI and appraisal, however, tax returns and quarterly bank statement support occupancy. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the borrower's bank statement, tax returns and mortgage statement for [Redacted] which is the primary. All of these report to the borrower's primary residence and hold occupancy bearing over the appraisal which only sees an occupied home but would have no way to determiine if it is a tenant or owner of the dwelling. Please review to cancel this exception as all evidence supports the subject property as an investment property. | 09/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCAT2025INV50073 |  |  |  | 34801010 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCAT2025INV50235 |  |  |  | 34801015 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | OK | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50235 |  |  |  | 34801016 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-06): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | OK | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50074 |  |  |  | 34801019 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-08): The CDA was received. | 10/08/2025 |  |  | 1 D A |  | WV | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50074 |  |  |  | 34801020 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was received. | 10/08/2025 |  |  | 1 A |  | WV | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50074 |  |  |  | 34801021 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was received.<br>Reviewer Comment (2025-10-07): Valuation Received -[Redacted] | 10/08/2025 |  |  | 1 A |  | WV | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50076 |  |  |  | 34801030 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-14): A CDA was provided | 10/14/2025 |  |  | 1 D A |  | WI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50076 |  |  |  | 34801031 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-14): A CDA was received | 10/14/2025 |  |  | 1 A |  | WI | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50243 |  |  |  | 34801056 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided. | 10/06/2025 |  |  | 1 D A |  | NE | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50243 |  |  |  | 34801057 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): A BPO was provided.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | NE | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50244 |  |  |  | 34801069 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50244 |  |  |  | 34801070 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO received. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50147 |  |  |  | 34801077 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure from the recent transaction on this property. Please provide the CD or other acceptable evidence of PITIA for review. |  |  |  | Reviewer Comment (2025-09-29): Closing disclosure received. Exception cleared.<br>Buyer Comment (2025-09-26): Please see the attached revised [Redacted].<br>Reviewer Comment (2025-09-18): Provided [Redacted] missing [Redacted] please provide updated [Redacted].<br>Buyer Comment (2025-09-17): Please see the attached Final CD for [Redacted] and revised [Redacted] reflecting the correct payment for the non subject.<br>Buyer Comment (2025-09-17): Please see the attached Final CD for [Redacted] and revised [Redacted]reflecting the correct payment for the non subject. | 09/29/2025 |  |  | 1 C A |  | ID | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50245 |  |  |  | 34801078 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50245 |  |  |  | 34801079 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges the exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50245 |  |  |  | 34801080 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50148 |  |  |  | 34801081 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | The LP findings reflect the Purchase Eligibility of Ineligible due to shortage of assets verified to support sufficient reserves. It appears lender considered the appraisal fee paid POC but did not include it in assets in the AUS submission. Updated AUS,[Redacted] with increased DTI including credit card financed appraisal payment and invoice for appraisal within correct fee amount is required to confirm sufficient assets for appraisal fee. |  |  |  | Reviewer Comment (2025-09-24): AUS supplied. Appraisal fee was POC with [Redacted] Close. Using 5% of fee amount in DTI confirms funds for POC.<br>Reviewer Comment (2025-09-21): Received updated LP findings showing Accept/Eligible, however, we are still short funds for reserves. Client generally provides a paid receipt for the appraisal in the file, which was not able to be located. Please provide the borrower paid appraisal fee receipt for consideration of the POC funds. Exception remains.<br>Buyer Comment (2025-09-16): Please see attached, updated AUS with the findings [Redacted] We do not require additional sourcing of the appraisal paid outside of close. We will not be providing the credit card statement confirming the appraisal was paid as this is not a requirement. | 09/24/2025 |  |  | 1 C A |  | ID | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50149 |  |  |  | 34801086 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50149 |  |  |  | 34801087 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | TX | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50274 |  |  |  | 34801092 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure for evidence of the PITIA payment from the new transaction on the primary residence. Please provide the Final CD or other evidence of PITIA for review. |  |  |  | Reviewer Comment (2025-09-18): Provided closing disclosure document, Exception Cleared.<br>Buyer Comment (2025-09-17): Please see attached | 09/18/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50167 |  |  |  | 34801106 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the YTD paystub or equivalent income documentation obtained at origination. Income to be further reviewed upon receipt. |  |  |  | Reviewer Comment (2025-09-16): Received paystub. Exception cleared.<br>Buyer Comment (2025-09-16): Please see the attached ytd paystub. | 09/16/2025 |  |  | 1 C A |  | KY | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50246 |  |  |  | 34801116 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared. | 10/03/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50246 |  |  |  | 34801117 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-03): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/03/2025 |  |  | 1 A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCAT2025INV50276 |  |  |  | 34801125 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | IL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50276 |  |  |  | 34801126 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | IL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCAT2025INV50277 |  |  |  | 34801127 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a [Redacted] project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-09-17): Received Master HOI policy for condo. Cleared exception.<br>Buyer Comment (2025-09-17): Please see attached master policy | 09/17/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50277 |  |  |  | 34801128 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a final closing disclosure from the refinance of this property to verify PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-09-17): Received final CD for the refinance of this property. Cleared exception.<br>Buyer Comment (2025-09-17): Please see attached CD for this property. | 09/17/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50278 |  |  |  | 34801133 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a [Redacted] project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-09-17): Master Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached master policy, please note there is not a need for renewal provided coverage was in effect at closing for master condo insurance. Please review to clear this condition. | 09/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50278 |  |  |  | 34801134 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2025-09-18): Date corrected as per Master policy. Exception cleared<br>Buyer Comment (2025-09-18): Invalid excepiton. Effective date is [Redacted] Please cancel this exception. | 09/18/2025 |  |  | 1 A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50163 |  |  |  | 34801142 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges. No change to grading. |  |  | 09/16/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCAT2025INV50180 |  |  |  | 34801154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50180 |  |  |  | 34801155 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50181 |  |  |  | 34801164 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation to verify insurance for the indicated property. Although the property is owned free and clear, insurance was included, based on the total property expenses for this property. |  |  |  | Reviewer Comment (2025-09-18): Schedule E associated for Insurance & Taxes. Exception cleared.<br>Buyer Comment (2025-09-17): The taxes and insurance used to qualify this property are reflected on the clients [Redacted] income tax return schedule E. The tax return is in your loan file on page [Redacted] . | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50181 |  |  |  | 34801165 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation to evidence property taxes in the monthly amount of $[Redacted] for the indicated property. |  |  |  | Reviewer Comment (2025-09-17): Tax cert received. Exception cleared.<br>Buyer Comment (2025-09-17): Please see the attached tax statement for this property. | 09/17/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50182 |  |  |  | 34801169 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges exception, no change in grading |  |  | 09/17/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50171 |  |  |  | 34801172 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Preliminary title report does not reflect an ALTA Loan Policy amount. Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2025-09-18): Final title was provided. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached, final title policy as requested. | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCAT2025INV50173 |  |  |  | 34801181 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change in grading |  |  | 09/16/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50177 |  |  |  | 34801195 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the tax documentation for this property. Please provide for review |  |  |  | Reviewer Comment (2025-09-17): Provided tax certificate document, Exception Cleared.<br>Buyer Comment (2025-09-17): Please see attached evidence of non-subject taxes. | 09/17/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50183 |  |  |  | 34801199 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Subsequent exception set as a result. This exception cleared. | 10/06/2025 |  |  | 1 D A |  | MI | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50183 |  |  |  | 34801200 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO received. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | MI | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50183 |  |  |  | 34801201 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  |  |  |  |  | Reviewer Comment (2025-10-13): A CDA was received. | 10/13/2025 |  |  | 1 A |  | MI | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50183 |  |  |  | 34801202 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-13): A CDA was received.<br>Reviewer Comment (2025-10-13): Valuation Received - [Redacted] | 10/13/2025 |  |  | 1 A |  | MI | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50183 |  |  |  | 34801203 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-13): The client elects to waive. |  |  | 10/13/2025 | 2 A B |  | MI | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50281 |  |  |  | 34801221 |  | Credit | Title | Document Error | Title | The 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. |  | Preliminary title report does not reflect an ALTA Loan Policy amount. Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  |  | Buyer Comment (2025-09-16): seller accepts; no change to grading. |  |  | 09/16/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50247 |  |  |  | 34801223 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-16): Seller acknowledges exception, no change to grading. |  |  | 09/16/2025 | 2 B |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50247 |  |  |  | 34801224 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50247 |  |  |  | 34801225 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A |  | N/A | No |
|  | GCAT2025INV50283 |  |  |  | 34801227 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50283 |  |  |  | 34801228 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50188 |  |  |  | 34801231 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-18): Provided final title commitment, Exception Cleared.<br>Buyer Comment (2025-09-18): Please see the attached title commitment. | 09/18/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCAT2025INV50189 |  |  |  | 34801232 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-08): The CDA was received. | 10/08/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50189 |  |  |  | 34801233 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-08): The CDA was received.<br>Reviewer Comment (2025-10-08): Valuation Received -[Redacted] | 10/08/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50194 |  |  |  | 34801240 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the mortgage statement for this property, please provide for review. |  |  |  | Reviewer Comment (2025-09-19): Provided closing disclosure document, Exception Cleared<br>Buyer Comment (2025-09-18): Please see the attached final CD for this property. | 09/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50199 |  |  |  | 34801242 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-06): BPO provided supports value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50199 |  |  |  | 34801243 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): CDA provided supports value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50285 |  |  |  | 34801244 |  | Credit | Title | Document Error | Title | The 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 (2025-09-16): Received final title policy verifying sufficient coverage. Exception cleared.<br>Buyer Comment (2025-09-16): Please see attached final title policy confirming coverage. | 09/16/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | GCAT2025INV50206 |  |  |  | 34801259 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide documentation to support the exclusion of the following properties in qualifying that are disclosed on the initial loan application: [Redacted] , [Redacted] , [Redacted] . |  |  |  | Reviewer Comment (2025-09-18): Property search confirms properties are not owned by borrower. Exception cleared.<br>Buyer Comment (2025-09-16): Per the attached documentation, these properties are not owned by the borrowers personally and no mortgage debt is associated with them per the credit report. Therefore, they do not have to be listed as personal liabilities for the borrowers. | 09/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50208 |  |  |  | 34801261 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing the complete Insurance verification documentation for this property to verify the annual premium. Although the property is owned free and clear, there is documentation in file to verify HOI does in fact exist. Please provide for review. |  |  |  | Reviewer Comment (2025-09-16): Hazard Insurance policy received. Exception cleared.<br>Buyer Comment (2025-09-16): Please see the attached HOI policy. | 09/16/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50288 |  |  |  | 34801265 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Subsequent exception set as a result. This exception is cleared. | 10/06/2025 |  |  | 1 D A |  | MS | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50288 |  |  |  | 34801266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide evidence of the taxes considered by the lender. The documentation from the county with regard to proposed county and city taxes was in the file, however, is much less than considered. Please advise. |  |  |  | Reviewer Comment (2025-09-16): Received client confirmation the taxes on the Tax Cert were accurate. Reduced property taxes for subject to reflect the amounts on the Tax Cert. Exception cleared.<br>Buyer Comment (2025-09-16): We acknowledge the tax bill from the county on pg[Redacted] is accurate. [Redacted] qualified using a higher amount to be conservative and there is still plenty of room as DTI is [Redacted] . There should not be a need to provide a corrected [Redacted] and [Redacted] as reducing the amount would not impact qualification or change DTI more than [Redacted] . Please escalate for this to be cleared as-is, thank you | 09/16/2025 |  |  | 1 C A |  | MS | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50288 |  |  |  | 34801267 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Standard Form -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO received. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | MS | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50288 |  |  |  | 34801268 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  |  |  |  |  | Reviewer Comment (2025-10-09): An updated BPO was received, and the value is now [Redacted] % of the appraisal value within tolerance | 10/09/2025 |  |  | 1 A |  | MS | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50248 |  |  |  | 34801273 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): A BPO was received. | 10/06/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50248 |  |  |  | 34801274 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): A BPO was received.<br>Reviewer Comment (2025-10-06): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | OH | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801278 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-09-19): Received Escrow Closing Instructions/PA for this [Redacted] transaction. Exception cleared.<br>Buyer Comment (2025-09-19): Please see attached signed PA's.<br>Reviewer Comment (2025-09-19): Purchase agreement didn't find on mentioned page numbers in comment section, please provide purchase agreement. Exception remains<br>Buyer Comment (2025-09-17): Pg [Redacted] and [Redacted] of the loan file are the purchase agreements. They are [Redacted] seperate copies signed each by the seller and buyer individually. Please review to cancel this condition. | 09/19/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801279 |  | Credit | Title | Document Error | Title | The 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. |  |  |  |  |  | Buyer Comment (2025-09-17): Seller acknowledges the exception, no change to grading. |  |  | 09/17/2025 | 2 B |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801280 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Subsequent exception set as a result. This exception cleared. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801281 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): BPO received. Exception cleared.<br>Reviewer Comment (2025-10-04): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801282 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  |  |  |  |  | Reviewer Comment (2025-10-16): Received CDA. CDA does not support value. Subsequent exception set as a result. This exception is cleared.<br>Buyer Comment (2025-10-14): Pg [Redacted]<br>Buyer Comment (2025-10-14): Please review received [Redacted] | 10/16/2025 |  |  | 1 A |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801283 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-10-16): Received CDA. Exception cleared.<br>Reviewer Comment (2025-10-15): Valuation Received - [Redacted] | 10/16/2025 |  |  | 1 A |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50213 |  |  |  | 34801284 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-10-22): seller accepts; no change to grading. |  |  | 10/22/2025 | 3 C |  | CA | Investment | Purchase | D C B A |  | N/A | No |
|  | GCAT2025INV50216 |  |  |  | 34801292 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared. | 10/06/2025 |  |  | 1 D A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50216 |  |  |  | 34801293 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO supporting value. Exception cleared.<br>Reviewer Comment (2025-10-02): Valuation Received - [Redacted] | 10/06/2025 |  |  | 1 A |  | ID | Investment | Purchase | D A |  | N/A | No |
|  | GCAT2025INV50217 |  |  |  | 34801297 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  |  |  |  | Reviewer Comment (2025-09-18): Lease agreement & Rental payment history provided as per provided comment. Exception cleared.<br>Buyer Comment (2025-09-18): [Redacted] guidelines allow a fully execute lease agreement and two months cancelled checks to evidence the rental payment history. Page[Redacted] shows the lease, and please see page [Redacted] and page [Redacted] for the rental payment history which acceptable per [Redacted] | 09/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50217 |  |  |  | 34801298 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The borrower's current primary rental housing expense of $[Redacted] per month was not verified and documented for a minimum of the most recent [Redacted] months as required. |  |  |  | Reviewer Comment (2025-09-18): Lease agreement & Rental payment history provided as per provided comment. Exception cleared.<br>Buyer Comment (2025-09-18): [Redacted] guidelines allow a fully execute lease agreement and two months cancelled checks to evidence the rental payment history. Page [Redacted] shows the lease, and please see page [Redacted] and page [Redacted] for the rental payment history which acceptable per Fannie [Redacted] | 09/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50219 |  |  |  | 34801301 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Subsequent exception was set as a result. This exception is cleared. | 10/06/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50219 |  |  |  | 34801303 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - Standard Form - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): Received BPO. Subsequent exception was set as a result. This exception is cleared.<br>Reviewer Comment (2025-10-05): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | OH | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50219 |  |  |  | 34801304 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | An updated BPO was received and the value is still -[Redacted] % below appraisal. CDA will be ordered. |  |  |  | Reviewer Comment (2025-10-15): Received CDA supporting value. Exception cleared. | 10/15/2025 |  |  | 1 A |  | OH | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50219 |  |  |  | 34801305 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-15): Received CDA supporting value. Exception cleared.<br>Reviewer Comment (2025-10-14): Valuation Received -[Redacted] | 10/15/2025 |  |  | 1 A |  | OH | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50219 |  |  |  | 34801306 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  | Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): The client elects to waive. |  |  | 10/15/2025 | 2 A B |  | OH | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | GCAT2025INV50218 |  |  |  | 34801314 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-06): The CDA was received. | 10/06/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50218 |  |  |  | 34801315 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the completed lease agreement for this property, please provide for review. |  |  |  | Reviewer Comment (2025-09-22): Updated 1003, 1008 & AUS received with updated rental income. Exception cleared.<br>Buyer Comment (2025-09-22): Please see the attached for the updated [Redacted] , AUS and [Redacted].<br>Reviewer Comment (2025-09-19): After considering the rental income $[Redacted] from the lease agreement there is huge difference of Monthly Net Rents. Please provide updated [Redacted], [Redacted]& AUS with updated Rental income from the property [Redacted]Exception remains.<br>Buyer Comment (2025-09-19): Please see the attached for the remaining [Redacted] lease agreements. The client has a total of [Redacted] tenants under[Redacted]lease agreements for this property. Total monthly rent is $[Redacted]as used to qualify, please review to clear this issue.<br>Buyer Comment (2025-09-19): Please see the attached for the remaining [Redacted] lease agreements. The client has a total of [Redacted] tenants under[Redacted] lease agreements for this property. Total monthly rent is $[Redacted]as used to qualify, please review to clear this issue.<br>Reviewer Comment (2025-09-19): Provided Lease agreement monthly rental is lesser than the lender qualified, so please provided corrected lease agreement. Exception remains.<br>Buyer Comment (2025-09-18): Please see attached lease agreement. | 09/22/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50218 |  |  |  | 34801316 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-10-06): The CDA was received.<br>Reviewer Comment (2025-10-03): Valuation Received -[Redacted] | 10/06/2025 |  |  | 1 A |  | CA | Investment | Purchase | D A C |  | N/A | No |
|  | GCAT2025INV50631 |  |  |  | 34838667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage ([Redacted]): 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]%). |  |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-16): clients compliance | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838668 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | TX | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50631 |  |  |  | 34838669 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | TX | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50631 |  |  |  | 34838670 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | TX | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50631 |  |  |  | 34838671 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay [Redacted]: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] | Please accept as is. |  |  |  | Reviewer Comment (2025-11-04): Client accepts as is.<br>Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-15): \*<br>Buyer Comment (2025-10-15): Please see extension in file for [Redacted] tax returns. |  |  | 11/04/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838672 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay [Redacted] Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] | Please accept as is. |  |  |  | Reviewer Comment (2025-11-04): Client accepts as is.<br>Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-15): \*<br>Buyer Comment (2025-10-15): see [Redacted] |  |  | 11/04/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838673 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay[Redacted] Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Please accept as is. |  |  |  | Reviewer Comment (2025-11-04): Client accepts as is.<br>Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-15): see [Redacted]<br>Buyer Comment (2025-10-15): \* |  |  | 11/04/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted](APOR) Fail. | The loan is failing QM points and fees. Please provide the undiscounted rate and the undiscounted price. |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-16): clients compliance | 10/17/2025 |  |  | 1 B A C |  | TX | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50631 |  |  |  | 34838675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2025-10-20): Client accepts as is.<br>Reviewer Comment (2025-10-17): Please accept as is. |  |  | 10/20/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838676 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted] |  |  |  |  | Reviewer Comment (2025-10-20): Client accepts as is.<br>Reviewer Comment (2025-10-17): Please accept as is. |  |  | 10/20/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50631 |  |  |  | 34838677 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted] |  |  |  |  | Reviewer Comment (2025-10-20): Client accepts as is.<br>Reviewer Comment (2025-10-17): Please accept as is. |  |  | 10/20/2025 | 2 B |  | TX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50611 |  |  |  | 34838781 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Provide an updated AUS that reflects borrower owning [Redacted] financed REO. |  |  |  | Reviewer Comment (2025-10-08): Received and associated Updated AUS. Exception Cleared<br>Buyer Comment (2025-10-06): updated aus | 10/08/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50611 |  |  |  | 34838782 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Large deposit of $[Redacted] into [Redacted] account #[Redacted] not sourced, also, [Redacted] not sourced. |  |  |  | Reviewer Comment (2025-10-10): Received and associated Closing Statement from sale of borrower's REO. Exception Cleared<br>Buyer Comment (2025-10-08): Settlement statement from sale of borrower's REO. | 10/10/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50611 |  |  |  | 34838783 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Large deposit of $[Redacted] into [Redacted] account #[Redacted] not sourced, also, [Redacted] not sourced. |  |  |  | Reviewer Comment (2025-10-10): Received and associated Closing Statement from sale of borrower's REO. Exception Cleared<br>Buyer Comment (2025-10-08): Settlement statement from sale of borrower's REO uploaded to [Redacted] . | 10/10/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50611 |  |  |  | 34838784 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Large deposit of $[Redacted] into [Redacted] account #[Redacted] not sourced, also, [Redacted] not sourced. |  |  |  | Reviewer Comment (2025-10-10): Received and associated Closing Statement from sale of borrower's REO. Exception Cleared<br>Buyer Comment (2025-10-08): Settlement statement from sale of borrower's REO uploaded to [Redacted]. | 10/10/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50611 |  |  |  | 34838785 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Large deposit of $[Redacted] into [Redacted] account #[Redacted] not sourced, also, [Redacted] not sourced. |  |  |  | Reviewer Comment (2025-10-10): Received and associated Closing Statement from sale of borrower's REO. Exception Cleared<br>Buyer Comment (2025-10-08): Settlement statement from sale of borrower's REO uploaded to V. | 10/10/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | GCAT2025INV50604 |  |  |  | 34838795 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The credit supplement dated [Redacted] reflects there is an open mortgage with a balance of $[Redacted] associated with the primary residence. The file does not contain any documentation to verify the mortgage has been paid off and satisfied. |  |  |  | Reviewer Comment (2025-10-21): Received and associated updated [Redacted] and AUS. Exception Cleared.<br>Buyer Comment (2025-10-17): Correct [Redacted]matching [Redacted]results<br>Buyer Comment (2025-10-17): Updated [Redacted] with correct ratios<br>Reviewer Comment (2025-10-14): Received Form [Redacted] indicating Loan Product as "[Redacted]"; however, the provided AUS findings are from "[Redacted]". Kindly provide the correct AUS. Exception remains<br>Buyer Comment (2025-10-10): Note for new loan secured by Primary residence showing [Redacted]% Interest rate.<br>Buyer Comment (2025-10-10): Attached is the credit supplement showing [Redacted] #[Redacted]was paid and closed. Also on the supplement is [Redacted]#[Redacted]showing opened[Redacted] and attached to [Redacted] (Primary). Previously provided was the updated [Redacted] and AUS attaching [Redacted]#[Redacted]to the primary front DTI.<br>Reviewer Comment (2025-10-10): Based on the [Redacted] Underwriter comment [Redacted] has been closed and paid off with [Redacted] #[Redacted] '. Please provide the payoff document with the [Redacted] also confirm primary residence is free and clear. Exception Remains.<br>Buyer Comment (2025-10-08): see attached AUS and [Redacted]<br>Reviewer Comment (2025-09-26): Based on the [Redacted] Underwriter comment '[Redacted] has been closed and paid off with [Redacted] #[Redacted]', Credit supplements shows as installment account with the balance of $[Redacted]for the primary residence #[Redacted]. Please provide the payoff document with the [Redacted] also confirm primary residence is free and clear. Exception Remains.<br>Buyer Comment (2025-09-24): docs uploaded | 10/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50628 |  |  |  | 34838800 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-10-03): Received V valuation CDA with value $[Redacted] . Exception Cleared.<br>Buyer Comment (2025-10-01): cda | 10/03/2025 |  |  | 1 D A |  | TX | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50628 |  |  |  | 34838801 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[Redacted]). | Per the compliance report in the file, the Verification Fee of $[Redacted] was not included in the Amount Financed. |  |  |  | Reviewer Comment (2025-10-24): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-23): PCCD and tracking<br>Reviewer Comment (2025-10-17): [Redacted] received copy of refund check and LOE. Please provide PCCD and Proof of mailing to complete cure requirements.<br>Buyer Comment (2025-10-16): check and lox<br>Reviewer Comment (2025-10-13): [Redacted] received rebuttal that Verification of Employment is not finance charge. However, this is a service fee charged and lender required for the extension of credit. It is not listed under the real estate excludable under [Redacted] . [Redacted] is Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing.<br>Buyer Comment (2025-10-09): See [Redacted] |  | 10/24/2025 |  | 2 C B |  | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50628 |  |  |  | 34838802 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page[Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Per the compliance report in the file, the Verification Fee of $[Redacted] was not included in the Finance Charge. |  |  |  | Reviewer Comment (2025-10-24): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-10-17): [Redacted] received copy of refund check and LOE. Please provide PCCD and Proof of mailing to complete cure requirements.<br>Reviewer Comment (2025-10-13): [Redacted] received rebuttal that Verification of Employment is not finance charge. However, this is a service fee charged and lender required for the extension of credit. It is not listed under the real estate excludable under [Redacted] . [Redacted] is Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted]and proof of mailing.<br>Buyer Comment (2025-10-09): See rebuttal |  | 10/24/2025 |  | 2 C B |  | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50613 |  |  |  | 34838831 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-09): Cleared. | 10/09/2025 |  |  | 1 A |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50613 |  |  |  | 34838832 |  | Credit | Title | Document Error | Title | The 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 (2025-10-09): Received and associated Title final with title policy amount $[Redacted] . Exception cleared.<br>Buyer Comment (2025-10-07): see attached title policy with coverage amount | 10/09/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50618 |  |  |  | 34839132 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated [Redacted]. Exception Cleared<br>Buyer Comment (2025-10-16): docs uploaded | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50618 |  |  |  | 34839134 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted] %. Variance due to REO expense for [Redacted] home was excluded from DTI per AUS. Justification with documentation to support exclusion was not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated 1003, 1008 and AUS based on that we calculated income. Exception Cleared<br>Buyer Comment (2025-10-15): [Redacted] rental income breakdown.<br>Buyer Comment (2025-10-15): [Redacted] with UW explanation of using rental income for [Redacted] from Schedule [Redacted] | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50618 |  |  |  | 34839135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted] %. Variance due to REO expense for [Redacted] home was excluded from DTI per AUS. Justification with documentation to support exclusion was not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated 1003, 1008 and AUS based on that we calculated income. Exception Cleared<br>Buyer Comment (2025-10-16): docs uploaded | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50618 |  |  |  | 34839136 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted] %. Variance due to REO expense for [Redacted] home was excluded from DTI per AUS. Justification with documentation to support exclusion was not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated 1003, 1008 and AUS based on that we calculated income. Exception Cleared<br>Buyer Comment (2025-10-16): docs uploaded | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50618 |  |  |  | 34839137 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR) Risk. | Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted] %. Variance due to REO expense for [Redacted] home was excluded from DTI per AUS. Justification with documentation to support exclusion was not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated 1003, 1008 and AUS based on that we calculated income. Exception Cleared<br>Buyer Comment (2025-10-16): docs uploaded | 10/17/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50618 |  |  |  | 34839138 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS reserves were based upon [Redacted] total financed properties. [Redacted] home was excluded from DTI per AUS. Justification with documentation to support exclusion was not provided. [Redacted] financed properties at time of loan origination. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated AUS. Exception Cleared<br>Buyer Comment (2025-10-16): docs uploaded | 10/17/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50633 |  |  |  | 34864618 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-22): Sufficient Cure Provided At Closing |  | 10/22/2025 |  | 1 A |  | VA | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50633 |  |  |  | 34864619 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The high alerts on the Fraud Report were not cleared. |  |  |  | Reviewer Comment (2025-10-29): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-25): client's fraud report | 10/29/2025 |  |  | 1 C A |  | VA | Second Home | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCAT2025INV50627 |  |  |  | 34864649 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-11-04): Client accepts as is.<br>Buyer Comment (2025-10-28): accept as is<br>Reviewer Comment (2025-10-28): Please accept as is.<br>Buyer Comment (2025-10-24): \*<br>Buyer Comment (2025-10-24): [Redacted]<br>Buyer Comment (2025-10-24): AUS shows special feature code [Redacted] Which per #[Redacted] allows the file to close with a [Redacted] when the [Redacted] shows value acceptance, which it did. See attached |  |  | 11/04/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCAT2025INV50609 |  |  |  | 34888046 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCAT2025INV50607 |  |  |  | 34888060 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AUS reflects the number of financed properties used to determine loan eligibility as one. Borrower owns [Redacted] financed properties. |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-21): docs uploaded | 10/23/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |

---

## Exhibit 99.9

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.9**

**Valuation Report**

---

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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | GCAT2025INV50603 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50602 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50601 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCAT2025INV50599 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.260% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.260% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50356 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50409 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50423 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCAT2025INV50421 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50385 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50364 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50365 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.430% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCAT2025INV50414 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50415 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
|  | GCAT2025INV50391 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50353 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50403 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50351 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50366 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.950% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.950% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50396 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50367 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50368 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50360 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50348 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50370 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50354 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
|  | GCAT2025INV50371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50349 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50416 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.350% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50424 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
|  | GCAT2025INV50375 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50369 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50398 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50404 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCAT2025INV50389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50378 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.370% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.370% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50406 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50390 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50358 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50397 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50347 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50392 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCAT2025INV50376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50380 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50422 |  |  |  |  |  |  |  |  |  | 9.820% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
|  | GCAT2025INV50361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50428 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50429 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
|  | GCAT2025INV50419 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | GCAT2025INV50418 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50387 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50399 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCAT2025INV50393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50426 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50412 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCAT2025INV50407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50394 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50411 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50405 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | GCAT2025INV50363 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50408 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50346 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCAT2025INV50373 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.550% |  |  |  |  |  |  |  |  | No |  | 2.80 |
|  | GCAT2025INV50402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.110% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.110% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50446 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50447 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50438 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50437 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCAT2025INV50436 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50443 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCAT2025INV50444 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCAT2025INV50445 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50442 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | GCAT2025INV50451 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50452 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50440 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCAT2025INV50448 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCAT2025INV50439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50454 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCAT2025INV50456 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50449 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCAT2025INV50453 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50455 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.740% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCAT2025INV50457 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50441 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50459 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50460 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50458 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | GCAT2025INV50469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50482 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50484 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50434 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50493 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50462 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50485 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -7.880% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCAT2025INV50489 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50503 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50570 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50475 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | GCAT2025INV50511 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
|  | GCAT2025INV50518 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50537 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50549 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50541 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50561 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50514 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50554 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50524 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50523 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50552 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50558 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50544 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50531 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50543 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50538 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50574 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50575 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50515 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCAT2025INV50553 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50534 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50559 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50557 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50539 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50533 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50555 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50545 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50535 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50507 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
|  | GCAT2025INV50528 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50562 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50532 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50529 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50513 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50540 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.540% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | GCAT2025INV50525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50546 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50527 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCAT2025INV50536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.410% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | GCAT2025INV50576 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50510 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50547 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50548 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50577 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.620% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCAT2025INV50526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50560 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.400% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50530 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50542 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.720% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCAT2025INV50521 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.470% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | GCAT2025INV50517 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50578 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50508 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50509 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50579 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50596 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50498 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50486 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCAT2025INV50433 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50431 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.750% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.750% |  |  |  |  |  |  |  |  | No |  | 2.90 |
|  | GCAT2025INV50470 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.720% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.720% |  |  |  |  |  |  |  |  | No |  | 3.00 |
|  | GCAT2025INV50343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.230% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.230% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | GCAT2025INV50474 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50344 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.830% |  |  | Desk Review |  |  | Moderate |  |  | -0.340% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.340% |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | GCAT2025INV50481 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.570% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.570% |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCAT2025INV50435 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50569 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCAT2025INV50461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50463 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50472 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50473 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50342 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50480 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50492 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.780% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.780% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50476 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50468 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCAT2025INV50471 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50478 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50585 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50496 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50583 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50591 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50467 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50586 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50479 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50567 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | GCAT2025INV50580 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -1.780% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50588 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCAT2025INV50584 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50504 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50500 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50495 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50565 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50593 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50564 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50466 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50002 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 26.180% |  |  | AVM |  | 0.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.180% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50488 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | GCAT2025INV50581 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50502 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | GCAT2025INV50589 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
|  | GCAT2025INV50595 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50587 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCAT2025INV50582 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50590 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50592 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.850% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCAT2025INV50563 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.080% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.080% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50465 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.80 |
|  | GCAT2025INV50490 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50491 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
|  | GCAT2025INV50598 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50499 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50506 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCAT2025INV50568 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | GCAT2025INV50594 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -9.240% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.240% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50001 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.10 |
|  | GCAT2025INV50572 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50501 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCAT2025INV50337 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50308 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50311 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50307 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50006 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
|  | GCAT2025INV50008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.40 |
|  | GCAT2025INV50571 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.810% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.810% |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCAT2025INV50566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50608 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50616 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCAT2025INV50314 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
|  | GCAT2025INV50315 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50316 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCAT2025INV50317 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50318 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50922 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50319 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50320 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50921 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
|  | GCAT2025INV50324 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
|  | GCAT2025INV50325 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50327 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50332 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCAT2025INV50333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50334 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
|  | GCAT2025INV50335 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
|  | GCAT2025INV50920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50621 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCAT2025INV50338 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50310 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50339 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.40 |
|  | GCAT2025INV50340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50313 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.90 |
|  | GCAT2025INV50004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.430% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.430% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50597 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 4.650% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.650% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50606 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50625 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50617 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50620 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50630 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCAT2025INV50619 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50623 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCAT2025INV50610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.630% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.150% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCAT2025INV50113 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.840% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.840% |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCAT2025INV50110 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
|  | GCAT2025INV50018 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.90 |
|  | GCAT2025INV50266 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50293 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50027 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.470% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.470% |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
|  | GCAT2025INV50103 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCAT2025INV50031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCAT2025INV50100 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50250 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50294 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 |
|  | GCAT2025INV50040 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50295 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 5.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.080% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50090 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.950% |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | GCAT2025INV50054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50296 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.060% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.060% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.110% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50059 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50122 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.510% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.510% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCAT2025INV50124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 38.430% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50302 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -22.460% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -22.460% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50078 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | GCAT2025INV50300 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.180% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50063 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
|  | GCAT2025INV50069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50131 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.620% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50146 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.410% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.410% |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | GCAT2025INV50152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
|  | GCAT2025INV50164 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50160 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
|  | GCAT2025INV50161 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.320% |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCAT2025INV50279 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50304 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.940% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.940% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50282 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50305 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -5.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.170% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50190 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50306 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.700% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50204 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50209 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.770% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.770% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50211 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50215 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCAT2025INV50220 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCAT2025INV50221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCAT2025INV50223 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50224 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50139 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.230% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.230% |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | GCAT2025INV50137 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50135 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCAT2025INV50225 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.440% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.440% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50120 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCAT2025INV50119 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50239 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.040% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50010 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50118 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50117 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50013 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50116 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50237 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.190% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.190% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50267 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50115 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCAT2025INV50114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCAT2025INV50015 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50112 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50017 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
|  | GCAT2025INV50108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCAT2025INV50107 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50226 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50019 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCAT2025INV50021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50249 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50022 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.250% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50265 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50105 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50024 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
|  | GCAT2025INV50025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.900% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.620% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.620% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50029 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50102 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50101 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.890% |  |  |  |  |  |  |  |  | No |  | 2.70 |
|  | GCAT2025INV50099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50227 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50228 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50229 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
|  | GCAT2025INV50097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.500% |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
|  | GCAT2025INV50096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | GCAT2025INV50095 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50251 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCAT2025INV50034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50035 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCAT2025INV50230 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.190% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
|  | GCAT2025INV50091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCAT2025INV50041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.300% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.300% |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
|  | GCAT2025INV50042 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50043 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.030% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | GCAT2025INV50044 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50231 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.200% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCAT2025INV50252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50089 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
|  | GCAT2025INV50045 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50088 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50087 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCAT2025INV50047 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50049 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50232 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.390% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50086 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCAT2025INV50254 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCAT2025INV50263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50084 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50255 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50053 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCAT2025INV50297 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 9.230% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.230% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50056 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCAT2025INV50057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50256 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50233 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50257 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50082 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50236 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
|  | GCAT2025INV50080 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.010% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | GCAT2025INV50060 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50273 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50121 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCAT2025INV50123 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.840% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.840% |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCAT2025INV50125 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50270 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50261 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50127 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50240 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50128 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.300% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
|  | GCAT2025INV50234 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.810% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.810% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
|  | GCAT2025INV50260 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50077 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCAT2025INV50064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50065 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50067 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50068 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50259 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50072 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
|  | GCAT2025INV50129 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50130 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50133 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50241 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50242 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50134 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50272 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.740% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.740% |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | GCAT2025INV50235 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.250% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.250% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50075 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | GCAT2025INV50140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50141 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50143 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50144 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50145 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50243 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCAT2025INV50244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.730% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.730% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50147 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50245 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.490% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.490% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50148 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCAT2025INV50149 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.900% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.900% |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCAT2025INV50150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50151 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCAT2025INV50274 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50275 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50153 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCAT2025INV50154 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50165 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCAT2025INV50166 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
|  | GCAT2025INV50157 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50246 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50158 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCAT2025INV50276 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.690% |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCAT2025INV50277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCAT2025INV50159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50278 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50162 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50163 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50168 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50169 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50170 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50179 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50180 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.350% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.350% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCAT2025INV50181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCAT2025INV50182 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50171 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCAT2025INV50172 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50173 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50174 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50175 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50176 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50177 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50178 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50183 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.290% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.290% |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | GCAT2025INV50184 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50198 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50186 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50187 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
|  | GCAT2025INV50280 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCAT2025INV50281 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50247 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50283 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.950% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.950% |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50188 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50189 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50191 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50192 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50194 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50195 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCAT2025INV50285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50200 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
|  | GCAT2025INV50201 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50203 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCAT2025INV50205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCAT2025INV50286 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCAT2025INV50206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
|  | GCAT2025INV50208 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50288 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.820% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.820% |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50248 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.920% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.920% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50213 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -14.290% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -10.140% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -10.140% |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | GCAT2025INV50214 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50287 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.410% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.410% |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCAT2025INV50217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50219 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -29.140% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | GCAT2025INV50222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCAT2025INV50218 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50624 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50631 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCAT2025INV50629 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCAT2025INV50626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50612 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50632 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCAT2025INV50611 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCAT2025INV50628 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCAT2025INV50613 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCAT2025INV50618 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 |
|  | GCAT2025INV50633 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.060% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCAT2025INV50627 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 7.350% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCAT2025INV50609 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
|  | GCAT2025INV50607 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |

---

## Exhibit 99.10

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.10**

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
|  | GCAT2025INV50602 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.203 | 21.9613 | Verified | Field Value DTI is higher than Tape value but within 3% tolerance per FNMA guidelines and < 45% DTI |
|  | GCAT2025INV50356 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.924 | 42.35073 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50374 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50381 |  |  |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50365 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.282 | 25.1986 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50410 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | GCAT2025INV50391 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | GCAT2025INV50353 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.9 | 47.07924 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50367 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50372 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 26.129 | 22.95616 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50424 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.815 | 40.54413 | Verified | Field Value DTI is higher than Tape value but within 3% tolerance per FNMA guidelines and < 45% DTI |
|  | GCAT2025INV50404 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 46.021 | 43.39436 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50382 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50378 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50358 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.907 | 46.66248 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | GCAT2025INV50397 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50380 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50422 |  |  |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50384 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50425 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.01 | 31.06059 | Verified | Amount used for primary housing expense was higher then used in review DTI. |
|  | GCAT2025INV50407 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50394 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.712 | 43.53663 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50377 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50363 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50346 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50383 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50383 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 36.56 | 38.74729 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50373 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.983 | 29.13033 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50402 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50417 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | GCAT2025INV50446 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.35392 | 33.25652 | Verified | The net rental income from subject is calculating higher. |
|  | GCAT2025INV50447 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43634 | 43.22548 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50438 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.25625 | 25.62526 | Verified | Tape data decimal point is in the incorrect position |
|  | GCAT2025INV50437 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.35252 | 35.25203 | Verified | Tape data decimal point is in the incorrect position |
|  | GCAT2025INV50436 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.06216 | 6.21881 | Verified | Tape Value reflects decimal point in incorrect position. |
|  | GCAT2025INV50443 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.38823 | 38.82263 | Verified | Approval/1008 DTI is being rounded off with the nearest value. |
|  | GCAT2025INV50444 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.30166 | 30.16615 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50445 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.32737 | 32.73696 | Verified | Tape data decimal point is in incorrect position. |
|  | GCAT2025INV50442 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.42764 | 42.79655 | Verified | Tape data decimal is in the incorrect position. |
|  | GCAT2025INV50451 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.32233 | 32.23299 | Verified | Tape data decimal point is in the incorrect position |
|  | GCAT2025INV50450 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.3759 | 37.59054 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50452 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.17122 | 17.12757 | Verified | Tape data decimal point is in the incorrect position. |
|  | GCAT2025INV50440 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43767 | 43.77108 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50448 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.44787 | 44.78732 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50439 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.42218 | 42.21801 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50454 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.38073 | 38.07309 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50456 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.34443 | 34.44343 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50449 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.39105 | 39.10456 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50453 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.15344 | 15.34439 | Verified | Tape data decimal point is in the incorrect position. |
|  | GCAT2025INV50455 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.41416 | 41.41594 | Verified | Tape data decimal point is in the incorrect position. |
|  | GCAT2025INV50457 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0.35602 | 35.60214 | Verified | Tape Data decimal point is in the incorrect position. |
|  | GCAT2025INV50484 |  |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50497 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50462 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 52.288 | 44.68578 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50489 |  |  |  |  | Appraisal Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Effective Date |
|  | GCAT2025INV50489 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50475 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | GCAT2025INV50475 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | GCAT2025INV50518 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.434 | 38.36676 | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50551 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.338 | 31.27407 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50554 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50552 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50552 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.448 | 35.37782 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | GCAT2025INV50550 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.576 | 21.64034 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50519 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 41.586 | 38.48647 | Verified | Field Value is lower |
|  | GCAT2025INV50553 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50559 |  |  |  |  | Representative FICO | 806 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | GCAT2025INV50507 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50562 |  |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50562 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.051 | 44.07795 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50529 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50536 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50547 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50548 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50548 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 46.102 | 38.4064 | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50526 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50508 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50498 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50433 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50433 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50433 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50433 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50433 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50431 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50431 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50431 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50431 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50431 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50431 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | GCAT2025INV50470 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50470 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50470 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50470 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50470 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50343 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50343 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50343 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50343 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50343 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50474 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50474 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50474 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50474 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50474 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50344 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50481 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50481 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50481 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50481 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50481 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50435 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50435 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50435 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50435 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50435 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50569 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50569 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50569 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50569 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50569 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50461 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50461 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50461 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50461 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50461 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50463 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50463 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50463 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50463 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50463 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50463 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50341 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50341 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50341 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50341 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50472 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50472 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50472 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50472 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50473 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50473 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50473 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50473 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50473 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50342 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50342 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50342 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50342 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50342 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50342 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 53.257 | 36.98164 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50480 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50480 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50480 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50480 |  |  |  |  | Original Interest Rate | 7.5 | 7.49 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50480 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50480 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50480 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50345 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50345 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50345 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50345 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50345 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50464 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50464 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50464 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50464 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50464 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50492 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50492 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50492 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50492 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50492 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50492 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.244 | 35.46141 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | GCAT2025INV50476 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50476 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50476 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50476 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50476 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50468 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50468 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50468 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50468 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50468 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50468 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.839 | 42.19689 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50471 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50471 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50471 |  |  |  |  | Amortization Type |  | Fixed | Verified | Tape Value reflects Amortization Type per Modification |
|  | GCAT2025INV50471 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50471 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.666 | 44.33338 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50478 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50478 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50478 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50478 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50585 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50585 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50585 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50585 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50585 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50496 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50496 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50496 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50496 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50496 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50496 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50496 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50583 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50583 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50583 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50583 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50583 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50591 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50591 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50591 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50591 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50591 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50591 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50467 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50467 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50467 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50467 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50467 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50467 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50586 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50586 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50586 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50586 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50586 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50479 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50479 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50479 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50479 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50479 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50479 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50479 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | N/A | Verified | Field value reflects source document |
|  | GCAT2025INV50479 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.215 | 34.36287 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50500 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50500 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50500 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50500 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50495 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50495 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50495 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50495 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50495 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | N/A | Verified | Field value reflects source document |
|  | GCAT2025INV50564 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50466 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50309 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | GCAT2025INV50488 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50488 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50488 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50488 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50488 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 24.072 | 27.02126 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50581 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50581 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50581 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50581 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50581 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50581 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50502 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50502 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50502 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50502 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50589 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50589 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50589 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50589 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50595 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50595 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50595 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50595 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50587 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50587 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50587 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50587 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50587 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50582 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50582 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50582 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50582 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50582 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50582 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50590 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50590 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50590 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50590 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50592 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50592 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50592 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50592 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50592 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50592 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50563 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50563 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50563 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50563 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50563 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50563 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50465 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50465 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50465 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50465 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50465 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50490 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50490 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50490 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50490 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50490 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50490 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30.886 | 34.69162 | Verified | Missing Sch E or leases for rental income being used to qualify. |
|  | GCAT2025INV50491 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50491 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50491 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50491 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50491 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50598 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50598 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50598 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50598 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50598 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50598 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50505 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50505 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50505 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50505 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50505 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50499 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50499 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50499 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50499 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50499 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | GCAT2025INV50506 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50506 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50506 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50506 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50506 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50568 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50568 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50568 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50568 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50568 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50594 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50594 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50594 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50594 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50594 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50594 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50001 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50001 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50001 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50001 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50001 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50572 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50572 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50572 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50572 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50572 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50003 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | GCAT2025INV50003 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50003 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50003 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50003 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50003 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50003 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50307 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50307 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50307 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50307 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50307 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50006 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50006 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50006 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50006 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50006 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50006 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50008 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50571 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50571 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50571 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50571 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50566 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50566 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50566 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50566 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50566 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50566 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50608 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50616 |  |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | GCAT2025INV50314 |  |  |  |  | Borrower Total Income | 22915.75 | 14079.18 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50318 |  |  |  |  | Borrower Total Income | 33589.37 | 9526.58 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50922 |  |  |  |  | Borrower Total Income | 115086.79 | 115086.13 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50320 |  |  |  |  | Borrower Total Income | 16176.04 | 8832.24 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50321 |  |  |  |  | Borrower Total Income | 13593.67 | 10416.88 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50921 |  |  |  |  | Borrower Total Income | 9854.68 | 9857.31 | Verified | Difference is due to a lower amt of bonus income calculated by review. |
|  | GCAT2025INV50322 |  |  |  |  | Borrower Total Income | 18560.98 | 13411.92 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50325 |  |  |  |  | Borrower Total Income | 21799.94 | 8512.12 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50326 |  |  |  |  | Original CLTV | 74.949 | 72.19089 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | GCAT2025INV50326 |  |  |  |  | Original LTV | 74.949 | 72.19089 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | GCAT2025INV50326 |  |  |  |  | Borrower Total Income | 30319.08 | 15990.00 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50327 |  |  |  |  | Original CLTV | 80 | 76.79958 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | GCAT2025INV50327 |  |  |  |  | Original LTV | 80 | 76.79958 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | GCAT2025INV50327 |  |  |  |  | Borrower Total Income | 42829.99 | 23482.38 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50328 |  |  |  |  | Borrower Total Income | 22201.28 | 15672.28 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50330 |  |  |  |  | Borrower Total Income | 72751.92 |  | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50332 |  |  |  |  | Borrower Total Income | 0.00 | 21564.83 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50335 |  |  |  |  | Borrower Total Income | 18821.90 | 4848.06 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50920 |  |  |  |  | Borrower Total Income | 10113.68 | 6807.45 | Verified | Field Value reflects income based on average of YTD earnings + prior 2 years income |
|  | GCAT2025INV50621 |  |  |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | GCAT2025INV50621 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.584 | 34.94298 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50310 |  |  |  |  | Amortization Term |  | 360 | Verified | Bid Tape Field Value not provided |
|  | GCAT2025INV50340 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50340 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50340 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50340 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50340 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50313 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50313 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50313 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50313 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50004 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50004 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50004 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50004 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50597 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50597 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50312 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50312 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50312 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50312 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50606 |  |  |  |  | State | [Redacted] | [Redacted] | Verified | Field Value reflects State per Note |
|  | GCAT2025INV50606 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50620 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | GCAT2025INV50620 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50620 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50630 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50630 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50630 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50630 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50630 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50630 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50619 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50619 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50619 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50619 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50619 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50605 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50605 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50605 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50605 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50623 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50623 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50623 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50623 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50615 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50615 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50615 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50615 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50615 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50063 |  |  |  |  | Property Type | Condo (Low Rise) | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50237 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.155 | 29.80811 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
|  | GCAT2025INV50025 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.896 | 20.65159 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50032 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 25.757 | 45.1667 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50262 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 15.844 | 31.6611 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50256 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.937 | 38.28889 | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50062 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.738 | 49.75946 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50149 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.421 | 30.79232 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50276 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Subject is a 16-story building. |
|  | GCAT2025INV50169 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 36.556 | 33.76055 | Verified | DTI has been calculated as per Income & Expenses updated in system |
|  | GCAT2025INV50218 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.339 | 47.79322 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | GCAT2025INV50624 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50624 |  |  |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | GCAT2025INV50631 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50631 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50631 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50631 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50629 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50629 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50629 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50629 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50612 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50612 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50612 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50612 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50612 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50632 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50632 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50632 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50632 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50632 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50611 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | GCAT2025INV50611 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50611 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50611 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50611 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50611 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50604 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50604 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50604 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50604 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50604 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50628 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50628 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50628 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50628 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50628 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50613 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50613 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50613 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50613 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50613 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50613 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50618 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50618 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50618 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50618 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50618 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50618 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 46.958 | 44.67259 | Verified | Unable to verify due to missing information |
|  | GCAT2025INV50633 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50633 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50633 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50633 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50627 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50627 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50627 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50627 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50627 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | GCAT2025INV50609 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50609 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50609 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50609 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | GCAT2025INV50609 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | GCAT2025INV50607 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | GCAT2025INV50607 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | GCAT2025INV50607 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | GCAT2025INV50607 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | GCAT2025INV50607 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |

---

## Exhibit 99.11

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.11**

![](ex9913001.jpg)

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage III LLC. The review included a total of 277 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2025-INV5 (the "Securitization"). The Review was conducted from April 2022 to July 2025 on mortgage loans originated between February 2022 and June 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed, and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (277 loans in total):

One hundred twenty-eight (128) loans had AVMs, and sixty-three (63) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

Zero (0) loans had a Field Review, and zero (0) loans had an Exterior Only Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 277 mortgage loans reviewed, two hundred thirty-two (232) unique mortgage loans (83.75% by loan count) had a total of seven hundred forty (740) different tape discrepancies across thirty-eight (38) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;170 | &nbsp;&nbsp;22.97% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;165 | &nbsp;&nbsp;22.30% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;78 | &nbsp;&nbsp;10.54% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;66 | &nbsp;&nbsp;8.92% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;56 | &nbsp;&nbsp;7.57% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;4.46% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;4.46% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Borrower 4 Origination FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Borrower 4 Qualifying Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Borrower 3 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 3 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Borrower 4 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**740** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample by <br> Loan Count |
| Event Grade A | 260 | $95874488.00 | 93.86% |
| Event Grade B | 17 | $6431335.00 | 6.14% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 277 | $102305823.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 271 | 97.83% |
| Event Grade B | 6 | 2.17% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 277 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: As applicable, 2 loans did not receive a compliance review** | **Compliance Results: As applicable, 2 loans did not receive a compliance review** | **Compliance Results: As applicable, 2 loans did not receive a compliance review** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 272 | 98.91% |
| Event Grade B | 3 | 1.09% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 275 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 268 | 96.75% |
| Event Grade B | 9 | 3.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 277 | 100.00% |

---

 **Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;274 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Discrepancy(s) Noted | &nbsp;&nbsp;70 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ULI Number on URLA does not match ULI Number provided by the Lender | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited CLTV Exceeds AUS CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;FEMA Declared Disaster - For Information Only | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Product Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Property Address on Note does not match Insured Property Address | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Potential Ownership issues identified in file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited LTV Exceeds AUS LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing AUS Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Trust/POA Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Audited HCLTV Exceeds AUS HCLTV | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***559*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Escrow Waiver is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage not properly executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Power of Attorney | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided (Disclosure Page v2) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***35*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;130 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing HOA/Condo Certification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Inspection Waiver Used at Origination | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.12

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.12**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| GCAT2025INV50634 | Borrower 1 Last Name | XXXXX | XXXXX | Validated B1 information with documents provided. |
| GCAT2025INV50634 | Borrower 1 First Name | XXX | XXX | Validated B1 information with documents provided. |
| GCAT2025INV50634 | Borrower 1 SSN | XXX | XXX | Validated B1 SSN with 1003 and credit report. |
| GCAT2025INV50634 | Borrower 2 Self-Employment Flag | XXX | XXX | Validated B2 is self employed with tax returns provided. |
| GCAT2025INV50634 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets with documents provided. |
| GCAT2025INV50634 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debts with documents provided. |
| GCAT2025INV50635 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50636 | Property Address | XXX | XXX | Abbreviation. |
| GCAT2025INV50636 | Total Qualified Assets Post-Close | XXX | XXX | Per Asset documents. |
| GCAT2025INV50636 | Qualifying Total Debt Income Ratio | XXX | XXX | Per loan documents. |
| GCAT2025INV50637 | Property Address | XXX | XXX | Difference is due to caps. |
| GCAT2025INV50637 | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed B2 is self employed. |
| GCAT2025INV50637 | Borrower 2 Self-Employment Flag | XXX | XXX | Confirmed B1 is self employed and has regular employment. |
| GCAT2025INV50637 | Qualifying FICO | XXX | XXX | Confirmed FICO with credit report. |
| GCAT2025INV50637 | Total Monthly Property Insurance Amount | $XXX | $XXX | Confirmed with credit/Final 1003. |
| GCAT2025INV50637 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference due to rounding. |
| GCAT2025INV50638 | Property Address | XXX | XXX | data correct |
| GCAT2025INV50638 | Primary Mortgage or Rent Times 30 | XXX | XXX | data correct |
| GCAT2025INV50638 | Qualifying FICO | XXX | XXX | data correct |
| GCAT2025INV50638 | Qualifying Total Debt Income Ratio | XXX | XXX | data correct |
| GCAT2025INV50639 | Property Address | XXX | XXX | correct data |
| GCAT2025INV50639 | Qualifying FICO | XXX | XXX | correct data |
| GCAT2025INV50639 | Qualifying CLTV | XXX | XXX | correct data |
| GCAT2025INV50639 | Qualifying LTV | XXX | XXX | correct data |
| GCAT2025INV50639 | Total Monthly Property Insurance Amount | $XXX | $XXX | correct data |
| GCAT2025INV50640 | Borrower 1 Self-Employment Flag | XXX | XXX | Validated B1 Self employment with buisness tax returns and K1's provided. |
| GCAT2025INV50640 | Borrower 2 Self-Employment Flag | XXX | XXX | Validated B2 Self employment with buisness tax returns and K1's provided. |
| GCAT2025INV50640 | Qualifying FICO | XXX | XXX | Validated qualifying FICO with credit report. |
| GCAT2025INV50640 | Total Monthly Property Insurance Amount | $XXX | $XXX | Validated HOI payment with documents provided. |
| GCAT2025INV50640 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50641 | Property Address | XXX | XXX | Due to caps |
| GCAT2025INV50641 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations. |
| GCAT2025INV50641 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed |
| GCAT2025INV50643 | Total Qualified Assets Post-Close | XXX | XXX | Per asset document |
| GCAT2025INV50643 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50645 | Borrower 2 SSN | XXX | XXX | Confirmed |
| GCAT2025INV50645 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations. |
| GCAT2025INV50645 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed |
| GCAT2025INV50646 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50646 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50649 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50649 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50649 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50650 | Property Address | XXX | XXX | Capitalization |
| GCAT2025INV50650 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50650 | Qualifying Total Debt Income Ratio | XXX | XXX | Per 1008 |
| GCAT2025INV50654 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50654 | Qualifying Total Debt Income Ratio | XXX | XXX | The lender omitted the monthly HOA of $XXX for the borrower's primary residence. Including this amount increased the HTI/DTI - within tolerance. |
| GCAT2025INV50655 | Property Address | XXX | XXX | Per note |
| GCAT2025INV50655 | Property City | XXX | XXX | Per note |
| GCAT2025INV50655 | Total Closing Costs | XXX | XXX | Per final closing dislcosure |
| GCAT2025INV50655 | Total Monthly Property Insurance Amount | $XXX | $XXX | HOI plus supplemental insurance = $XXX |
| GCAT2025INV50655 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50657 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50658 | Property County | XXX | XXX | Confirmed |
| GCAT2025INV50658 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations. |
| GCAT2025INV50658 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with income docs. |
| GCAT2025INV50659 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50661 | Borrower 1 Self-Employment Flag | XXX | XXX | Primary income source is wage earner |
| GCAT2025INV50661 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50661 | Qualifying Total Debt Income Ratio | XXX | XXX | AUS was run with higher net rental income for the subject property. The lender adjusted the net rental income, per 1008, to a lower amount which aligns to the amount verified by audit underwriter. The variance is within tolerance. |
| GCAT2025INV50663 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50663 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit calculated Overtime Income lower than lender. |
| GCAT2025INV50664 | Borrower 2 Marital Status | XXX | XXX | Married per final 1003 |
| GCAT2025INV50664 | Qualifying CLTV | XXX | XXX | XXX is the actual. The AUS CLTV is rounded up |
| GCAT2025INV50664 | Qualifying LTV | XXX | XXX | The AUS LTV is rounded up |
| GCAT2025INV50664 | Total Qualified Assets Post-Close | XXX | XXX | $XXX per document in the file. |
| GCAT2025INV50666 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50666 | Occupancy | XXX | XXX | As per Final 1003 and Occupancy Affidavit. |
| GCAT2025INV50666 | Total Monthly Property Insurance Amount | $XXX | $XXX | As per Hazard Insurance Policy Premium. |
| GCAT2025INV50666 | Total Qualified Assets Post-Close | XXX | XXX | As per Bank Statements. |
| GCAT2025INV50668 | Total Qualified Assets Post-Close | XXX | XXX | Lender amount is the assets before closing |
| GCAT2025INV50669 | Property Address | XXX | XXX | Avenue is spelled out on the note |
| GCAT2025INV50669 | Borrower 1 Last Name | XXXXX | XXXXX | Last name matches the note |
| GCAT2025INV50669 | Total Qualified Assets Post-Close | XXX | XXX | Lender amount is less cash to close |
| GCAT2025INV50669 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is higher because the lender included rental income from the borrower's primary residence |
| GCAT2025INV50670 | Property Address | XXX | XXX | The note reflects XXX |
| GCAT2025INV50670 | Qualifying Total Debt Income Ratio | XXX | XXX | The liabilities and income match the AUS. XXX is the actual DTI without being rounded up. |
| GCAT2025INV50671 | Qualifying LTV | XXX | XXX | Rounding |
| GCAT2025INV50671 | Qualifying CLTV | XXX | XXX | Rounding |
| GCAT2025INV50671 | Total Monthly Property Insurance Amount | $XXX | $XXX | As per Hazard Insurance Policy. |
| GCAT2025INV50671 | Total Qualified Assets Post-Close | XXX | XXX | As per Asset stock account balance and 1031 exchange funds minus funds paid on Final CD. |
| GCAT2025INV50671 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit calculation variances of 3 REO Investment properties at XXX |
| GCAT2025INV50674 | Qualifying FICO | XXX | XXX | The credit score is XXX |
| GCAT2025INV50674 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50674 | Qualifying Total Debt Income Ratio | XXX | XXX | LP rounds the DTI |
| GCAT2025INV50675 | Total Closing Costs | XXX | XXX | $XXX per the final CD |
| GCAT2025INV50675 | Qualifying CLTV | XXX | XXX | XXX is the actual LTV/CLTV. XXX is rounded up by the AUS. |
| GCAT2025INV50675 | Qualifying LTV | XXX | XXX | XXX is the actual LTV/CLTV. XXX is rounded up by the AUS. |
| GCAT2025INV50675 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is the amount of assets entered into DU by the lender prior to closing/reserves |
| GCAT2025INV50676 | Total Qualified Assets Post-Close | XXX | XXX | Assets are correct |
| GCAT2025INV50676 | Qualifying Total Debt Income Ratio | XXX | XXX | rounded off by one |
| GCAT2025INV50677 | Total Qualified Assets Post-Close | XXX | XXX | True data is post close. |
| GCAT2025INV50677 | Qualifying Total Debt Income Ratio | XXX | XXX | REO rental income worksheet does not match lender calculations, still within 3% tolerance. |
| GCAT2025INV50678 | Total Closing Costs | XXX | XXX | XXX per the final CD |
| GCAT2025INV50678 | Total Qualified Assets Post-Close | XXX | XXX | XXX is the total available assets prior to close. XXX is the total available assets post closing |
| GCAT2025INV50679 | Property Address | XXX | XXX |  |
| GCAT2025INV50679 | Total Qualified Assets Post-Close | XXX | XXX | Assets are correct |
| GCAT2025INV50680 | Total Closing Costs | XXX | XXX | Per asset documents |
| GCAT2025INV50680 | Primary Appraised Property Value | $XXX | $XXX | Per appraisal |
| GCAT2025INV50680 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50681 | Property Address | XXX | XXX | XXX per the note |
| GCAT2025INV50681 | Occupancy | XXX | XXX | Investment property per 1003, AUS, occupancy aff |
| GCAT2025INV50681 | Total Qualified Assets Post-Close | XXX | XXX | The balances of the 3 XXX accounts match the statement ending date of XX/XX/XXXX that was used by the lender. Lender comments state that XXX% of the balances was used to be considered liquid. However the calculation of XXX% used does not match the lenders figures. Audit is using the most recent dated statements in the file. Resubmission to the AUS is not required. The assets are within tolerance. |
| GCAT2025INV50681 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is not rounded. XXX is rounded up by the AUS. |
| GCAT2025INV50682 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50682 | Qualifying Total Debt Income Ratio | XXX | XXX | LP rounds the DTI |
| GCAT2025INV50683 | Property Address | XXX | XXX | Capitalization |
| GCAT2025INV50683 | Borrower 2 Self-Employment Flag | XXX | XXX | Per Final 1003 |
| GCAT2025INV50683 | Borrower 1 Self-Employment Flag | XXX | XXX | Per Final 1003 |
| GCAT2025INV50683 | Total Qualified Assets Post-Close | XXX | XXX | True Data is minus the total assets minus the cash to close |
| GCAT2025INV50683 | Qualifying Total Debt Income Ratio | XXX | XXX | Calculations of Primary PITIA per mortgage statement with HOA = $XXX vs Lender's $XXX |
| GCAT2025INV50684 | Property City | XXX | XXX | The address on the note includes the O |
| GCAT2025INV50684 | Property Address | XXX | XXX | Corrected for capitalization |
| GCAT2025INV50684 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 is self employed, he also has an employer |
| GCAT2025INV50684 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50685 | Property Address | XXX | XXX | Difference is case. |
| GCAT2025INV50685 | Total Monthly Property Insurance Amount | $XXX | $XXX | Review data is correct per the hazard docuemnts in file and conforms with 1008. |
| GCAT2025INV50685 | Total Qualified Assets Post-Close | XXX | XXX | Minor difference in assets. Review data is correct per the asset docuemnts provided. |
| GCAT2025INV50686 | Borrower 1 Last Name | XXXXX | XXXXX | Validated B1 last name with final application and ID. |
| GCAT2025INV50686 | Borrower 1 First Name | XXX | XXX | Validated B1 with final application. |
| GCAT2025INV50686 | Borrower 1 SSN | XXX | XXX | Validated B1 SSN with final application. |
| GCAT2025INV50686 | Total Monthly Property Insurance Amount | $XXX | $XXX | Validated primary insurance with documents provided. |
| GCAT2025INV50686 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post close with asset documentation. |
| GCAT2025INV50686 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total housing with documents provided. AUS reflects a lower primary housing payment than what has been documented in the file. AUS reflects primary housing of $XXX, documents support primary housing of $XXX. AUS reflects a higner proposed housing of $XXX, documents provided support housing expense of $XXX. AUS reflects total income of $XXX, documents provided support income of $XXX |
| GCAT2025INV50687 | Property Address | XXX | XXX | Difference is case. |
| GCAT2025INV50687 | Qualifying CLTV | XXX | XXX | Difference is rounding. |
| GCAT2025INV50687 | Qualifying LTV | XXX | XXX | Difference is rounding. |
| GCAT2025INV50687 | Total Qualified Assets Post-Close | XXX | XXX | Mismatch comparing reserves to toal assets. |
| GCAT2025INV50687 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI difference is minor and within guidelines and tolerance. |
| GCAT2025INV50688 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed |
| GCAT2025INV50688 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50689 | Property Address | XXX | XXX | capitalization |
| GCAT2025INV50689 | Total Qualified Assets Post-Close | XXX | XXX | per asset documentation |
| GCAT2025INV50690 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD costs. |
| GCAT2025INV50692 | Total Closing Costs | XXX | XXX | x |
| GCAT2025INV50692 | Total Qualified Assets Post-Close | XXX | XXX | x |
| GCAT2025INV50692 | Qualifying Total Debt Income Ratio | XXX | XXX | due to total all monthly calculations of $ vs Lender's $XXX still within XXX% tolerance |
| GCAT2025INV50693 | Total Qualified Assets Post-Close | XXX | XXX | True Data reflects total assets of $XXX - cash to close of $XXX = $XXX |
| GCAT2025INV50693 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to the calculation of the subject negative rent calculated as (-$XXX) vs Lender's (-$XXX) no lender's income analysis provided. |
| GCAT2025INV50694 | Property Address | XXX | XXX | Per note |
| GCAT2025INV50694 | Borrower 2 SSN | XXX | XXX | Per final application |
| GCAT2025INV50694 | Total Closing Costs | XXX | XXX | Per final closing disclosure |
| GCAT2025INV50694 | Total Qualified Assets Post-Close | XXX | XXX | Per asset document |
| GCAT2025INV50694 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used higher PITI for primary |
| GCAT2025INV50695 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post close with documents provided. |
| GCAT2025INV50695 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. LPA rounds DTI. |
| GCAT2025INV50696 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post close with asset documents provided. |
| GCAT2025INV50696 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated tota debt with documents provided. Lenders HOI payment is less than what has been documented in the file. |
| GCAT2025INV50697 | Occupancy | XXX | XXX | subject is an investment property |
| GCAT2025INV50697 | Total Qualified Assets Post-Close | XXX | XXX | asset documentation provided |
| GCAT2025INV50697 | Qualifying Total Debt Income Ratio | XXX | XXX | based on income and debts in file. |
| GCAT2025INV50698 | Qualifying CLTV | XXX | XXX | Rounded. |
| GCAT2025INV50698 | Qualifying LTV | XXX | XXX | Rounded. |
| GCAT2025INV50698 | Total Qualified Assets Post-Close | XXX | XXX | True data is funds after closing. |
| GCAT2025INV50698 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is slightly off due to difference in rental income/loss and ss income. Within tolerance. |
| GCAT2025INV50699 | Borrower 1 Self-Employment Flag | XXX | XXX | per application and income documentation |
| GCAT2025INV50699 | Total Monthly Property Insurance Amount | $XXX | $XXX | per hazard insurance in file |
| GCAT2025INV50699 | Total Qualified Assets Post-Close | XXX | XXX | per asset documentation |
| GCAT2025INV50700 | Total Monthly Property Insurance Amount | $XXX | $XXX | per hazard insurance binder |
| GCAT2025INV50700 | Total Qualified Assets Post-Close | XXX | XXX | per assets |
| GCAT2025INV50701 | Total Qualified Assets Post-Close | XXX | XXX | XXX is the total assets prior to close. |
| GCAT2025INV50701 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is rounded up by the AUS. XXX is the actual DTI with the income recalculated for both borrowers based on the most recent year business tax returns + XXX |
| GCAT2025INV50702 | Property Address | XXX | XXX | Caps. |
| GCAT2025INV50702 | Total Monthly Property Insurance Amount | $XXX | $XXX | True data matches policy and AUS/1008. |
| GCAT2025INV50702 | Total Qualified Assets Post-Close | XXX | XXX | True data is after closing. |
| GCAT2025INV50702 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor difference in rental calculations |
| GCAT2025INV50703 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations. |
| GCAT2025INV50703 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50704 | Borrower 2 First Name | XXX | XXX | As per Note. |
| GCAT2025INV50704 | Borrower 1 First Name | XXX | XXX | As per Note. |
| GCAT2025INV50704 | Borrower 2 SSN | XXX | XXX | As per B2 Final 1003. |
| GCAT2025INV50704 | Borrower 1 SSN | XXX | XXX | As per B1 Final 1003. |
| GCAT2025INV50704 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD funds to close. |
| GCAT2025INV50704 | Qualifying Total Debt Income Ratio | XXX | XXX | As per liability variance re: HOI monthly payment. |
| GCAT2025INV50705 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD cash to close. |
| GCAT2025INV50705 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit debt calculations. |
| GCAT2025INV50706 | Property Address | XXX | XXX | Difference is case. |
| GCAT2025INV50706 | Total Qualified Assets Post-Close | XXX | XXX | Difference is reserves versus assets. |
| GCAT2025INV50706 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference. Within guidelines. |
| GCAT2025INV50707 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50707 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50707 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50707 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50708 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50708 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50708 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50709 | Borrower 1 Citizen | XXX | XXX | As per Final 1003. |
| GCAT2025INV50709 | Total Monthly Property Insurance Amount | $XXX | $XXX | As per Hazard Insurance policy. |
| GCAT2025INV50709 | Total Qualified Assets Post-Close | XXX | XXX | As per Bank Statement Assets minus Cash to Close on Final CD. |
| GCAT2025INV50710 | Property Address | XXX | XXX |  |
| GCAT2025INV50710 | Qualifying FICO | XXX | XXX | credit score is correct |
| GCAT2025INV50710 | Total Closing Costs | XXX | XXX |  |
| GCAT2025INV50710 | Total Qualified Assets Post-Close | XXX | XXX | assets are correct |
| GCAT2025INV50711 | Total Qualified Assets Post-Close | XXX | XXX | Validated total post closing assets with documents provided. |
| GCAT2025INV50711 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. Lender has a higher tax amount for borrowers primary housing than what was documented in the file. |
| GCAT2025INV50712 | Property Address | XXX | XXX | property address is correct |
| GCAT2025INV50712 | Total Qualified Assets Post-Close | XXX | XXX | assets are correct |
| GCAT2025INV50712 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI ratio exceeds investor requirement s |
| GCAT2025INV50713 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50713 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50713 | Qualifying Total Debt Income Ratio | XXX | XXX | within tolerance |
| GCAT2025INV50714 | Qualifying CLTV | XXX | XXX | DU rounds the CLTV |
| GCAT2025INV50714 | Qualifying LTV | XXX | XXX | DU rounds the LTV |
| GCAT2025INV50714 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50715 | Qualifying CLTV | XXX | XXX | Rounding. |
| GCAT2025INV50715 | Qualifying LTV | XXX | XXX | Rounding. |
| GCAT2025INV50715 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD closing funds. |
| GCAT2025INV50715 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit Wage income calculation variance and Child Support/Alimony income variance. |
| GCAT2025INV50717 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed all assets. |
| GCAT2025INV50718 | Property Address | XXX | XXX | Validated property address with Note. |
| GCAT2025INV50718 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post close with asset documents provided. |
| GCAT2025INV50718 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total ratio with documents provided. Reviewer included rental income for existing REO taken from XX/XX/XXXX tax returns. Income would exceed XXX% DTI without this income. |
| GCAT2025INV50719 | Borrower 1 Self-Employment Flag | XXX | XXX | Discrepancy is due to data entry. True data is correct. |
| GCAT2025INV50719 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry. True data is correct. |
| GCAT2025INV50719 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry. True data is correct. |
| GCAT2025INV50720 | Property Address | XXX | XXX | capitalization |
| GCAT2025INV50720 | Total Monthly Property Insurance Amount | $XXX | $XXX | updating |
| GCAT2025INV50720 | Total Qualified Assets Post-Close | XXX | XXX | per asset documents |
| GCAT2025INV50720 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| GCAT2025INV50721 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50721 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and credit docs |
| GCAT2025INV50722 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50722 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50723 | Qualifying FICO | XXX | XXX | Per credit report |
| GCAT2025INV50723 | Total Monthly Property Insurance Amount | $XXX | $XXX | HOI plus additional supplemental insurance |
| GCAT2025INV50723 | Qualifying Total Debt Income Ratio | XXX | XXX | The lender failed to include additional supplemental insurance. Variance is within tolerance. |
| GCAT2025INV50724 | Property County | XXX | XXX | True data is correct see page XXX. |
| GCAT2025INV50724 | Qualifying FICO | XXX | XXX | True data is the borrower's mid score. |
| GCAT2025INV50724 | Qualifying Total Debt Income Ratio | XXX | XXX | Rental income/loss calculations do not match lender, still within tolerance. |
| GCAT2025INV50725 | Borrower 2 Self-Employment Flag | XXX | XXX | Borrower #2 is self employed |
| GCAT2025INV50725 | Total Monthly Property Insurance Amount | $XXX | $XXX | HOI is correct |
| GCAT2025INV50725 | Qualifying Total Debt Income Ratio | XXX | XXX | Dti exceeds Lender's overlay of XXX% |
| GCAT2025INV50726 | Total Monthly Property Insurance Amount | $XXX | $XXX | hoi is correct |
| GCAT2025INV50726 | Total Qualified Assets Post-Close | XXX | XXX | amount is correct |
| GCAT2025INV50727 | Qualifying Interest Rate | XXX | XXX | per note |
| GCAT2025INV50727 | Property Address | XXX | XXX |  |
| GCAT2025INV50727 | Qualifying LTV | XXX | XXX | rounding |
| GCAT2025INV50727 | Qualifying CLTV | XXX | XXX | rounding |
| GCAT2025INV50727 | Total Qualified Assets Post-Close | XXX | XXX | per assets |
| GCAT2025INV50727 | Qualifying Total Debt Income Ratio | XXX | XXX | per final documentation |
| GCAT2025INV50728 | Borrower 4 Last Name | XXXXX | XXXXX | Caps |
| GCAT2025INV50728 | Borrower 1 First Name | XXX | XXX | Caps |
| GCAT2025INV50728 | Borrower 4 Qualifying Income | XXX | XXX | True data verified with WVOE and confirmed on LP. |
| GCAT2025INV50728 | Qualifying FICO | XXX | XXX | Mid score used confirmed on LP Findings page XXX. |
| GCAT2025INV50728 | Borrower 4 Origination FICO | XXX | XXX | True data is mid score for borrower 4 not used for qualifying. |
| GCAT2025INV50728 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to rental income calculations, within tolerance. |
| GCAT2025INV50729 | Property Address | XXX | XXX | Difference is case. |
| GCAT2025INV50729 | Borrower 1 First Name | XXX | XXX | Difference is case. |
| GCAT2025INV50729 | Qualifying FICO | XXX | XXX | Review data is correct per credit report. |
| GCAT2025INV50729 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference. Within guidelines and tolerance. |
| GCAT2025INV50730 | Qualifying FICO | XXX | XXX | Review data is correct per credit report. |
| GCAT2025INV50730 | Qualifying CLTV | XXX | XXX | Minor variation possibly due to rounding. |
| GCAT2025INV50730 | Qualifying LTV | XXX | XXX | Minor variation possibly due to rounding. |
| GCAT2025INV50730 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor variation possibly due to rounding. |
| GCAT2025INV50731 | Total Qualified Assets Post-Close | XXX | XXX | Total qualified asset post close confirmed with asset documentation in file. |
| GCAT2025INV50732 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is the two retirement accounts as reflected on the final 1003 for b1 and b2. Audit total verified assets are $XXX. Total available assets. The lender verified assets are $XXX per the AUS. It appears the lender may have manually calculated XXX% of the balance for both XXX accounts and accidentally transposed $XXX when calculating XXX% of the balance for XXX #XXX. $XXX. The 1003 reflects $XXX for this account. |
| GCAT2025INV50732 | Qualifying Total Debt Income Ratio | XXX | XXX | The lender included $XXX which is pi only. The PITIA used by Audit is $XXX. The DTI increased from XXX% to XXX% which is within tolerance. Resubmission to the AUS is not required. |
| GCAT2025INV50733 | Property Address | XXX | XXX | Per Note |
| GCAT2025INV50733 | Qualifying FICO | XXX | XXX | Per Credit report |
| GCAT2025INV50733 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per Insurance |
| GCAT2025INV50734 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50734 | Qualifying CLTV | XXX | XXX | Rounding. |
| GCAT2025INV50734 | Qualifying LTV | XXX | XXX | Rounding. |
| GCAT2025INV50734 | Total Monthly Property Insurance Amount | $XXX | $XXX | Audit system averaging/rounding down of Hazard Insurance total policy fee versus lender rounding up. |
| GCAT2025INV50734 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD Cash to Close. |
| GCAT2025INV50735 | Total Monthly Property Insurance Amount | $XXX | $XXX | As per Hazard Insurance Policy. |
| GCAT2025INV50735 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD cash to close. |
| GCAT2025INV50735 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit calculations. AUS and tape data DTI of XXX% is rounded down. |
| GCAT2025INV50736 | Qualifying FICO | XXX | XXX | Review data is correct per credit report. |
| GCAT2025INV50736 | Qualifying CLTV | XXX | XXX | Minor difference possibly due to rounding. |
| GCAT2025INV50736 | Qualifying LTV | XXX | XXX | Minor difference possibly due to rounding. |
| GCAT2025INV50736 | Total Monthly Property Insurance Amount | $XXX | $XXX | Minor difference possibly due to rounding. |
| GCAT2025INV50736 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor difference possibly due to rounding. |
| GCAT2025INV50737 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations. |
| GCAT2025INV50738 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 owns > XXX$ interest in Corporation per most recent tax returns in file. |
| GCAT2025INV50738 | Borrower 2 Self-Employment Flag | XXX | XXX | Borrower 2 owns > XXX$ interest in Corporation per most recent tax returns in file. |
| GCAT2025INV50738 | Total Qualified Assets Post-Close | XXX | XXX | Total qualified assets confirmed with asset documentation in file. |
| GCAT2025INV50738 | Qualifying Total Debt Income Ratio | XXX | XXX | . |
| GCAT2025INV50739 | Qualifying FICO | XXX | XXX | . |
| GCAT2025INV50739 | Total Monthly Property Insurance Amount | $XXX | $XXX |  |
| GCAT2025INV50740 | Borrower 1 Self-Employment Flag | XXX | XXX | File documents borrower 1 self-employment. |
| GCAT2025INV50740 | Total Qualified Assets Post-Close | XXX | XXX | Asset difference is not material. Review data is supported by asset documentation. |
| GCAT2025INV50740 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI difference is within tolerance. |
| GCAT2025INV50741 | Property Address | XXX | XXX | true data confirmed |
| GCAT2025INV50741 | Borrower 1 Self-Employment Flag | XXX | XXX | true data confirmed |
| GCAT2025INV50741 | Total Monthly Property Insurance Amount | $XXX | $XXX | true data confirmed |
| GCAT2025INV50741 | Total Qualified Assets Post-Close | XXX | XXX | true data confirmed |
| GCAT2025INV50741 | Qualifying Total Debt Income Ratio | XXX | XXX | true data confirmed |
| GCAT2025INV50742 | Total Monthly Property Insurance Amount | $XXX | $XXX | $XXX per the HOI dec page and the final CD |
| GCAT2025INV50742 | Total Qualified Assets Post-Close | XXX | XXX | XXX is the assets post closing. XXX is prior to closing. minus the $XXX EMD. |
| GCAT2025INV50742 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is rounded up on the AUS. XXX is the actual DTI |
| GCAT2025INV50743 | Qualifying FICO | XXX | XXX | Per Credit report |
| GCAT2025INV50743 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and credit docs |
| GCAT2025INV50744 | Property Address | XXX | XXX | XXX matches the note |
| GCAT2025INV50744 | Qualifying FICO | XXX | XXX | XXX |
| GCAT2025INV50744 | Total Monthly Property Insurance Amount | $XXX | $XXX | hazard + Flood = $XXX |
| GCAT2025INV50745 | Qualifying FICO | XXX | XXX | Per Credit report |
| GCAT2025INV50745 | Qualifying Total Debt Income Ratio | XXX | XXX | Per rental income |
| GCAT2025INV50746 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 and B2 each own > XXX% of the business and are self employed. |
| GCAT2025INV50746 | Borrower 2 Self-Employment Flag | XXX | XXX | B1 and B2 each own > XXX% of the business and are self employed. |
| GCAT2025INV50746 | Qualifying Total Debt Income Ratio | XXX | XXX | The increase is within tolerance. The AUS DTI may be rounded down by the AUS. Liabilities/terms match the lenders documents in the file. |
| GCAT2025INV50747 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, True Data is correct. |
| GCAT2025INV50747 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True Data is correct. |
| GCAT2025INV50748 | Qualifying LTV | XXX | XXX | XXX is rounded up on the AUS. XXX is the actual. |
| GCAT2025INV50748 | Qualifying CLTV | XXX | XXX | XXX is rounded up on the AUS. XXX is the actual. |
| GCAT2025INV50748 | Total Monthly Property Insurance Amount | $XXX | $XXX | $XXX is the actual cost of the HOI per the dec page and final cd. $XXX is the amount used in the AUS. Resubmission is not required. Audit used the amount used in the AUS to match the lender PITIA. |
| GCAT2025INV50748 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is the verified assets prior to close. $XXX is the verified assets post closing |
| GCAT2025INV50749 | Property Address | XXX | XXX | Capitalization. |
| GCAT2025INV50749 | Total Closing Costs | XXX | XXX | Total closing costs confirmed with a copy of final CD. |
| GCAT2025INV50749 | Total Qualified Assets Post-Close | XXX | XXX | Total qualified assets confirmed with asset documentation in file. |
| GCAT2025INV50750 | Borrower 1 Last Name | XXXXX | XXXXX | Per the Note the borrower is a Sr. |
| GCAT2025INV50750 | Qualifying FICO | XXX | XXX | credit score is correct |
| GCAT2025INV50751 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50751 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50752 | Qualifying FICO | XXX | XXX | Validated qualifying FICO with credit report provided. |
| GCAT2025INV50752 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. |
| GCAT2025INV50753 | Property Address | XXX | XXX | Per note |
| GCAT2025INV50753 | Borrower 1 Self-Employment Flag | XXX | XXX | Per income documents |
| GCAT2025INV50753 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50753 | Qualifying Total Debt Income Ratio | XXX | XXX | The lender initially ran LP using a lower PITI. They later updated the 1008, which now reflects different figures. My review verified the amounts currently shown on the updated 1008. The variance is within tolerance. |
| GCAT2025INV50754 | Property Address | XXX | XXX | Discrepancy is due to data entry, Ture data is correct. |
| GCAT2025INV50754 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, Ture data is correct. |
| GCAT2025INV50754 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, Ture data is correct. |
| GCAT2025INV50754 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, Ture data is correct. |
| GCAT2025INV50755 | Qualifying FICO | XXX | XXX | Per credit report |
| GCAT2025INV50755 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50755 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50756 | Borrower 1 First Name | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50756 | Borrower 1 SSN | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50756 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50757 | Qualifying Interest Rate | XXX | XXX | Per Note |
| GCAT2025INV50757 | Borrower 1 Citizen | XXX | XXX | Per ID docs/green card |
| GCAT2025INV50757 | Qualifying FICO | XXX | XXX | Per Credit Liabilities |
| GCAT2025INV50757 | Primary Appraised Property Value | $XXX | $XXX | Per Appraisal |
| GCAT2025INV50757 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs |
| GCAT2025INV50758 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50758 | Total Qualified Assets Post-Close | XXX | XXX | As per Asset total minus EMD backed out since no proof that EMD was withdrawn from any funds. |
| GCAT2025INV50758 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit. Audit did not include mortgage payment for the 1031 exchange property that was paid off. |
| GCAT2025INV50759 | Property Address | XXX | XXX | XXX is the correct address per the note |
| GCAT2025INV50759 | Qualifying CLTV | XXX | XXX | XXX is the actual. XXX is rounded up per the AUS. |
| GCAT2025INV50759 | Qualifying LTV | XXX | XXX | XXX is the actual. XXX is rounded up per the AUS. |
| GCAT2025INV50759 | Qualifying Total Debt Income Ratio | XXX | XXX | The subject pi is $XXX per the note. The AUS subject pi is $XXX. The loan amount per the AUS is $XXX and per the note is $XXX. The loan amount decrease is less than XXX% and within tolerance. The DTI decrease is within tolerance. Resubmission is not required. |
| GCAT2025INV50760 | Qualifying FICO | XXX | XXX | Per AUS/Credit Report |
| GCAT2025INV50760 | Qualifying LTV | XXX | XXX | Per Lender Approval |
| GCAT2025INV50760 | Qualifying CLTV | XXX | XXX | Per Lender Approval |
| GCAT2025INV50760 | Qualifying Total Debt Income Ratio | XXX | XXX | Per Calculations of total Debt $XXX vs Lender's $XXX |
| GCAT2025INV50761 | Qualifying Interest Rate | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Borrower 1 Last Name | XXXXX | XXXXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Qualifying LTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Qualifying CLTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50761 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50762 | Borrower 1 Self-Employment Flag | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50762 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50762 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50762 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50763 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50763 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50763 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50764 | Qualifying FICO | XXX | XXX | Qualifying FICO is XXX. |
| GCAT2025INV50764 | Qualifying LTV | XXX | XXX | Rounding up. |
| GCAT2025INV50764 | Qualifying CLTV | XXX | XXX | Rounding up. |
| GCAT2025INV50764 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used lower monthly rent for lower negative rent for XXX |
| GCAT2025INV50765 | Qualifying FICO | XXX | XXX | Per Credit report |
| GCAT2025INV50765 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50766 | Qualifying FICO | XXX | XXX | Qualifying FICO confirmed with credit report. |
| GCAT2025INV50766 | Qualifying LTV | XXX | XXX | Qualifying LTV is XXX%. |
| GCAT2025INV50766 | Qualifying CLTV | XXX | XXX | Qualifying CLTV is XXX%. |
| GCAT2025INV50766 | Qualifying Total Debt Income Ratio | XXX | XXX | . |
| GCAT2025INV50767 | Occupancy | XXX | XXX | This is a second home transaction according to the AUS and 1003 |
| GCAT2025INV50767 | Qualifying FICO | XXX | XXX | The middle fico is XXX |
| GCAT2025INV50767 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI matches the AUS |
| GCAT2025INV50768 | Qualifying LTV | XXX | XXX | rounding |
| GCAT2025INV50768 | Qualifying CLTV | XXX | XXX | rounding |
| GCAT2025INV50768 | Total Qualified Assets Post-Close | XXX | XXX | per assets in file |
| GCAT2025INV50769 | Borrower 1 Self-Employment Flag | XXX | XXX | per application and income documentation |
| GCAT2025INV50769 | Borrower 2 Self-Employment Flag | XXX | XXX | per application and income documentation |
| GCAT2025INV50769 | Total Qualified Assets Post-Close | XXX | XXX | per assets in file |
| GCAT2025INV50769 | Qualifying Total Debt Income Ratio | XXX | XXX | per income and debts documented in file, matches DU approval |
| GCAT2025INV50770 | Property Address | XXX | XXX | capitalization |
| GCAT2025INV50770 | Total Qualified Assets Post-Close | XXX | XXX | per asset documentation in file |
| GCAT2025INV50770 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| GCAT2025INV50771 | Borrower 1 First Name | XXX | XXX | Per Note |
| GCAT2025INV50771 | Qualifying FICO | XXX | XXX | per credit report |
| GCAT2025INV50771 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs |
| GCAT2025INV50772 | Borrower 1 Self-Employment Flag | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50772 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50772 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50773 | Qualifying Total Debt Income Ratio | XXX | XXX | dti is correct |
| GCAT2025INV50774 | Borrower 1 Self-Employment Flag | XXX | XXX | Bwr has s/e income |
| GCAT2025INV50774 | Qualifying FICO | XXX | XXX | credit score is correct |
| GCAT2025INV50774 | Qualifying Total Debt Income Ratio | XXX | XXX | dti discrepancy documented |
| GCAT2025INV50775 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50775 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50775 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50776 | Qualifying FICO | XXX | XXX | True data confirmed |
| GCAT2025INV50776 | Qualifying Total Debt Income Ratio | XXX | XXX | True data confirmed |
| GCAT2025INV50777 | Qualifying FICO | XXX | XXX | Per AUS |
| GCAT2025INV50778 | Borrower 1 First Name | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50778 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50778 | Qualifying CLTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50778 | Qualifying LTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50778 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50779 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50779 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50780 | Property Address | XXX | XXX | XXX per the note |
| GCAT2025INV50780 | Qualifying FICO | XXX | XXX | XXX |
| GCAT2025INV50780 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50781 | Total Qualified Assets Post-Close | XXX | XXX | True Data is the balance of total assets $XXX - Cash to close $XXX |
| GCAT2025INV50781 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance due to calculations taxes $XXX vs Lender's XXX |
| GCAT2025INV50782 | Total Closing Costs | XXX | XXX | The closing costs on the final CD is $XXX |
| GCAT2025INV50782 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50783 | Property Address | XXX | XXX | Per Note |
| GCAT2025INV50783 | Number of Units | XXX | XXX | Per Appraisal |
| GCAT2025INV50783 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per insurance |
| GCAT2025INV50783 | Total Qualified Assets Post-Close | XXX | XXX | Per assets |
| GCAT2025INV50783 | Qualifying Total Debt Income Ratio | XXX | XXX | Per credit docs |
| GCAT2025INV50784 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI matches the AUS and 1008 |
| GCAT2025INV50785 | Total Closing Costs | XXX | XXX | Per final closing dislcosure |
| GCAT2025INV50785 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50785 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50786 | Qualifying LTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50786 | Qualifying CLTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50786 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per Haz insurance |
| GCAT2025INV50786 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50786 | Qualifying Total Debt Income Ratio | XXX | XXX | Per credit docs |
| GCAT2025INV50787 | Property Address | XXX | XXX |  |
| GCAT2025INV50787 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50788 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50788 | Total Closing Costs | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50788 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Borrower 1 First Name | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Qualifying CLTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Qualifying LTV | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50789 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50791 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50791 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50791 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50792 | Property County | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50792 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50792 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50792 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50793 | Property County | XXX | XXX | The mortgage and the appraisal have XXX |
| GCAT2025INV50793 | Occupancy | XXX | XXX | This is an investment transaction |
| GCAT2025INV50793 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50794 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50794 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50794 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50795 | Total Closing Costs | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50795 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50795 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50796 | Total Qualified Assets Post-Close | XXX | XXX | Post close assets are correct |
| GCAT2025INV50796 | Qualifying Total Debt Income Ratio | XXX | XXX | calculated DTI is correct |
| GCAT2025INV50797 | Property Address | XXX | XXX | per Note |
| GCAT2025INV50797 | Borrower 4 Qualifying Income | XXX | XXX | added borrower 5 to borrower 4 income total |
| GCAT2025INV50797 | Borrower 4 Origination FICO | XXX | XXX | per credit report |
| GCAT2025INV50797 | Total Qualified Assets Post-Close | XXX | XXX | per asset documentation |
| GCAT2025INV50797 | Qualifying Total Debt Income Ratio | XXX | XXX | review used actual PITIA vs rounded amounts |
| GCAT2025INV50798 | Number of Units | XXX | XXX | Per Appraisal |
| GCAT2025INV50798 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per insurance |
| GCAT2025INV50798 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50798 | Qualifying Total Debt Income Ratio | XXX | XXX | Per Income docs |
| GCAT2025INV50799 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50799 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50799 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50799 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50800 | Property Address | XXX | XXX | XXX per the note |
| GCAT2025INV50800 | Total Qualified Assets Post-Close | XXX | XXX | Audit calculation is XXX post closing due to audit calculation of prior to close being higher than the lenders at $XXX |
| GCAT2025INV50800 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is rounded up by the AUS. XXX is the actual DTI |
| GCAT2025INV50801 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is documented as an employee, sch C is spouse. |
| GCAT2025INV50801 | Total Qualified Assets Post-Close | XXX | XXX | True data funds available after closing. |
| GCAT2025INV50801 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounded. |
| GCAT2025INV50802 | Total Qualified Assets Post-Close | XXX | XXX | The assets are a gift deposited into escrow |
| GCAT2025INV50802 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is different because of the $XXX primary housing expense, Laura Mac requires a number |
| GCAT2025INV50803 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50803 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50803 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct |
| GCAT2025INV50804 | Borrower 1 Marital Status | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50804 | Total Closing Costs | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50804 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50805 | Property Address | XXX | XXX | Per CD |
| GCAT2025INV50805 | Qualifying LTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50805 | Qualifying CLTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50805 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per HOI doc |
| GCAT2025INV50805 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50805 | Qualifying Total Debt Income Ratio | XXX | XXX | Per rental income docs |
| GCAT2025INV50806 | Property Address | XXX | XXX | true data confirmed |
| GCAT2025INV50806 | Total Qualified Assets Post-Close | XXX | XXX | true data confirmed |
| GCAT2025INV50806 | Qualifying Total Debt Income Ratio | XXX | XXX | true data confirmed |
| GCAT2025INV50807 | Property Address | XXX | XXX |  |
| GCAT2025INV50807 | Total Qualified Assets Post-Close | XXX | XXX | True data is confirmed |
| GCAT2025INV50807 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI confirmed |
| GCAT2025INV50808 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50808 | Borrower 1 SSN | XXX | XXX | As per Final 1003. |
| GCAT2025INV50808 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets minus Final CD closing costs. |
| GCAT2025INV50808 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50809 | Qualifying LTV | XXX | XXX | XXX is the actual. XXX is rounded up by the AUS |
| GCAT2025INV50809 | Qualifying CLTV | XXX | XXX | XXX is the actual. XXX is rounded up by the AUS |
| GCAT2025INV50810 | Property County | XXX | XXX | XXX |
| GCAT2025INV50810 | Qualifying FICO | XXX | XXX | credit score is correct |
| GCAT2025INV50810 | Total Monthly Property Insurance Amount | $XXX | $XXX |  |
| GCAT2025INV50810 | Qualifying Total Debt Income Ratio | XXX | XXX | Dti is correct |
| GCAT2025INV50811 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True Data is correct. |
| GCAT2025INV50811 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True Data is correct. |
| GCAT2025INV50812 | Total Qualified Assets Post-Close | XXX | XXX | true data confiremed |
| GCAT2025INV50813 | Total Monthly Property Insurance Amount | $XXX | $XXX | TRUE DATA CONFIRMED |
| GCAT2025INV50813 | Total Qualified Assets Post-Close | XXX | XXX | TRUE DATA CONFIRMED |
| GCAT2025INV50813 | Qualifying Total Debt Income Ratio | XXX | XXX | TRUE DATA CONFIRMED |
| GCAT2025INV50814 | Total Qualified Assets Post-Close | XXX | XXX | true data confirmed |
| GCAT2025INV50815 | Property Address | XXX | XXX | The address matches the note |
| GCAT2025INV50815 | Borrower 1 Self-Employment Flag | XXX | XXX | The borrower is self employed |
| GCAT2025INV50815 | Total Monthly Property Insurance Amount | $XXX | $XXX | Audit amount is HOI and flood combined |
| GCAT2025INV50815 | Total Qualified Assets Post-Close | XXX | XXX | Assets match the documentation provided |
| GCAT2025INV50815 | Qualifying Total Debt Income Ratio | XXX | XXX | LPA rounds the DTI |
| GCAT2025INV50816 | Property Address | XXX | XXX | Validated property address with Note. |
| GCAT2025INV50816 | Occupancy | XXX | XXX | Validated occupancy with XXX rider provided. |
| GCAT2025INV50816 | Borrower 1 FTHB | XXX | XXX | Validated B1 is not a first time homebuyer, as documents provided reflect the borrower owns a primary and a secondary home with history greater than three years. |
| GCAT2025INV50816 | Total Qualified Assets Post-Close | XXX | XXX | Validated qualifed assets post close with bank statements provided. |
| GCAT2025INV50816 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. Lender has a higher HOI premium amount for B1's second home than what has been documented in the file. Condition has been set to document lenders amount used to qualify the borrower. |
| GCAT2025INV50817 | Borrower 1 Citizen | XXX | XXX | Validated B1 citizenship with permanent resident alien card provided. |
| GCAT2025INV50817 | Borrower 2 Citizen | XXX | XXX | Validated B2 citizenship with permanent resident alien card provided. |
| GCAT2025INV50817 | Qualifying FICO | XXX | XXX | Validated qualifying FICO with credit report provided. |
| GCAT2025INV50817 | Qualifying CLTV | XXX | XXX | Validated CLTV with documents provided. LP rounded out XXX decimals where as LM rounded out 3 decimals. Manual calculation is XXX%. |
| GCAT2025INV50817 | Qualifying LTV | XXX | XXX | Validated LTV with documents provided. LP rounded out 2 decimals where as LM rounded out 3 decimals. Manual calculation is XXX%. |
| GCAT2025INV50817 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. Lender calculated REO income using a XXX day count, Schedule E reflects non subject REO was rented for XXX days, which would yield a positive income flow, using XXX yielded a negative income flow of ($XXX and lender used $-XXX) this is worse case scenario used to qualify the borrower. |
| GCAT2025INV50818 | Occupancy | XXX | XXX | Second Home per 1003/AUS |
| GCAT2025INV50818 | Total Monthly Property Insurance Amount | $XXX | $XXX | Audit has included $XXX in the PITIA for hazard insurance. The Documents in file, HOI dec page and CD match this amount. The lender included $XXX monthly but is not required to resubmit to the AUS. |
| GCAT2025INV50818 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is the verified assts prior to closing. $XXX is post closing. |
| GCAT2025INV50818 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is not rounded up and includes $XXX for HOI, not $XXX for HOI |
| GCAT2025INV50819 | Qualifying LTV | XXX | XXX | Per Valuation |
| GCAT2025INV50819 | Qualifying CLTV | XXX | XXX | Per Valuation |
| GCAT2025INV50819 | Total Qualified Assets Post-Close | XXX | XXX | per Assets |
| GCAT2025INV50819 | Qualifying Total Debt Income Ratio | XXX | XXX | Per credit docs |
| GCAT2025INV50820 | Property Address | XXX | XXX | XXX per the note |
| GCAT2025INV50820 | Qualifying FICO | XXX | XXX | XXX is the qualifying fico |
| GCAT2025INV50821 | Property Address | XXX | XXX | Caps. |
| GCAT2025INV50821 | Total Monthly Property Insurance Amount | $XXX | $XXX | Subject property has hazard and fire insurance coverage. |
| GCAT2025INV50821 | Total Qualified Assets Post-Close | XXX | XXX | True data is assets after loan closing. |
| GCAT2025INV50821 | Qualifying Total Debt Income Ratio | XXX | XXX | Rental calculations differ by a marginal amount. |
| GCAT2025INV50822 | Qualifying FICO | XXX | XXX | mapping issue |
| GCAT2025INV50823 | Property Address | XXX | XXX | per Note |
| GCAT2025INV50823 | Total Qualified Assets Post-Close | XXX | XXX | per asset and final CD |
| GCAT2025INV50823 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| GCAT2025INV50824 | Qualifying CLTV | XXX | XXX | XXX is the actual. XXX is rounded up by the AUS. |
| GCAT2025INV50824 | Qualifying LTV | XXX | XXX | XXX is the actual. XXX is rounded up by the AUS. |
| GCAT2025INV50824 | Total Monthly Property Insurance Amount | $XXX | $XXX | $XXX is the Hazard insurance. $XXX + $XXX Flood = $XXX |
| GCAT2025INV50824 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is the assets post closing. $XXX is the audit assets posts closing |
| GCAT2025INV50825 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50825 | Qualifying FICO | XXX | XXX | As per Credit Report. |
| GCAT2025INV50825 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding. |
| GCAT2025INV50825 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit calculations. AUS omitted REO investment property net rent calculations. |
| GCAT2025INV50826 | Property Address | XXX | XXX | Capitalization |
| GCAT2025INV50826 | Total Qualified Assets Post-Close | XXX | XXX | True Data reflects total assets of $XXX - Cash to close $XXX = $XXX vs Tape total Assets $XXX |
| GCAT2025INV50826 | Qualifying Total Debt Income Ratio | XXX | XXX | X |
| GCAT2025INV50827 | Borrower 2 First Name | XXX | XXX | Capitalization |
| GCAT2025INV50827 | Property Address | XXX | XXX | Capitalization |
| GCAT2025INV50827 | Borrower 1 Self-Employment Flag | XXX | XXX | Per Final 1003 |
| GCAT2025INV50827 | Borrower 4 Qualifying Income | XXX | XXX | Per Calculations |
| GCAT2025INV50827 | Borrower 3 Qualifying Income | XXX | XXX | Per Calculations From WVOE YTD + Prior Yrs Income of $XXX |
| GCAT2025INV50827 | Borrower 4 Origination FICO | XXX | XXX | Per Credit Report |
| GCAT2025INV50827 | Qualifying FICO | XXX | XXX | Per Credit Report |
| GCAT2025INV50827 | Qualifying Total Debt Income Ratio | XXX | XXX | per calculations of total income of $XXX |
| GCAT2025INV50828 | Borrower 1 First Name | XXX | XXX | capitalization |
| GCAT2025INV50828 | Borrower 1 Last Name | XXXXX | XXXXX | capitalization |
| GCAT2025INV50828 | Qualifying FICO | XXX | XXX | per credit report |
| GCAT2025INV50828 | Qualifying Total Debt Income Ratio | XXX | XXX | per calcuations |
| GCAT2025INV50829 | Property Address | XXX | XXX | Validated property address with note. |
| GCAT2025INV50829 | Total Monthly Property Insurance Amount | $XXX | $XXX | Validated HOI premium with HOI declarations page provided. |
| GCAT2025INV50829 | Total Qualified Assets Post-Close | XXX | XXX | Validated assets post close with assets documents provided and final CD. |
| GCAT2025INV50829 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. AUS reflects a higher amount for the PITI for the subject property. Final 1008 reflects the amounts validated by reviewer. |
| GCAT2025INV50830 | Borrower 3 First Name | XXX | XXX |  |
| GCAT2025INV50830 | Borrower 3 Last Name | XXXXX | XXXXX |  |
| GCAT2025INV50830 | Borrower 2 First Name | XXX | XXX |  |
| GCAT2025INV50830 | Borrower 3 SSN | XXX | XXX |  |
| GCAT2025INV50830 | Borrower 1 Marital Status | XXX | XXX |  |
| GCAT2025INV50830 | Borrower 2 SSN | XXX | XXX |  |
| GCAT2025INV50830 | Borrower 3 Qualifying Income | XXX | XXX |  |
| GCAT2025INV50830 | Qualifying FICO | XXX | XXX |  |
| GCAT2025INV50830 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50831 | Borrower 1 Self-Employment Flag | XXX | XXX | S/e for borrower 1 is confirmed |
| GCAT2025INV50831 | Qualifying FICO | XXX | XXX | credit score is confirmed |
| GCAT2025INV50831 | Total Qualified Assets Post-Close | XXX | XXX | True data confirmed |
| GCAT2025INV50832 | Qualifying FICO | XXX | XXX |  |
| GCAT2025INV50832 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50833 | Total Qualified Assets Post-Close | XXX | XXX |  |
| GCAT2025INV50833 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50834 | Qualifying FICO | XXX | XXX | credit score confirmed |
| GCAT2025INV50834 | Qualifying CLTV | XXX | XXX | LTV discrepancy is confirmed |
| GCAT2025INV50834 | Qualifying LTV | XXX | XXX | CLTV discrepancy has been confirmed |
| GCAT2025INV50834 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI ratio confirmed per calculation |
| GCAT2025INV50835 | Borrower 1 Last Name | XXXXX | XXXXX | true data confirmed |
| GCAT2025INV50835 | Qualifying FICO | XXX | XXX | true data confirmed |
| GCAT2025INV50835 | Qualifying Total Debt Income Ratio | XXX | XXX | true data confirmed |
| GCAT2025INV50836 | Qualifying FICO | XXX | XXX | Credit score is correct per credit report. Tape data is bblank. |
| GCAT2025INV50836 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference is not material within tolerance. |
| GCAT2025INV50837 | Primary Mortgage or Rent Times 30 | XXX | XXX | Per credit report mortgage with XXX was XXX in the past XXX months |
| GCAT2025INV50837 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50837 | Total Qualified Assets Post-Close | XXX | XXX | Per total assets of $XXX - Cash to close $XXX |
| GCAT2025INV50837 | Qualifying Total Debt Income Ratio | XXX | XXX | Total Income calculated as $XXX vs Lender's Income of $XXX |
| GCAT2025INV50838 | Property Address | XXX | XXX | Per Note |
| GCAT2025INV50838 | Qualifying FICO | XXX | XXX | Per credit report |
| GCAT2025INV50838 | Qualifying Total Debt Income Ratio | XXX | XXX | Per primary mortgage stmt |
| GCAT2025INV50839 | Qualifying CLTV | XXX | XXX | Rounding |
| GCAT2025INV50839 | Qualifying LTV | XXX | XXX | Rounding |
| GCAT2025INV50839 | Total Monthly Property Insurance Amount | $XXX | $XXX | Confirmed |
| GCAT2025INV50839 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculation. |
| GCAT2025INV50840 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculations |
| GCAT2025INV50841 | Property Address | XXX | XXX | per Note |
| GCAT2025INV50841 | Total Qualified Assets Post-Close | XXX | XXX | per asset documentation |
| GCAT2025INV50841 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| GCAT2025INV50842 | Total Qualified Assets Post-Close | XXX | XXX | True data is assets after loan closing. |
| GCAT2025INV50842 | Qualifying Total Debt Income Ratio | XXX | XXX | Subject monthly property tax is lower than taxes reported on Title Commitment and Property Report, taxes adjusted and DTI increased. |
| GCAT2025INV50843 | Total Monthly Property Insurance Amount | $XXX | $XXX | HOI plus wind insurance |
| GCAT2025INV50843 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50844 | Qualifying FICO | XXX | XXX | Validated qualifying FICO with credit report provided. |
| GCAT2025INV50844 | Total Monthly Property Insurance Amount | $XXX | $XXX | Validated insurance premium with HOI declarations page provided. |
| GCAT2025INV50844 | Total Qualified Assets Post-Close | XXX | XXX | Validated assets post close with asset documents provided. |
| GCAT2025INV50844 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debts with documents provided. Lender did not include the HOA for REO #4. |
| GCAT2025INV50845 | Total Qualified Assets Post-Close | XXX | XXX | $XXX is prior to closing. $XXX is post closing. |
| GCAT2025INV50845 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% is the DTI on the lender 1008 and Audit DTI. The AUS DTI is rounded up to XXX% |
| GCAT2025INV50846 | Property Address | XXX | XXX | Per Note |
| GCAT2025INV50846 | Borrower 1 Self-Employment Flag | XXX | XXX | Per income docs |
| GCAT2025INV50846 | Total Qualified Assets Post-Close | XXX | XXX | per Assets |
| GCAT2025INV50846 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs |
| GCAT2025INV50847 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50847 | Total Qualified Assets Post-Close | XXX | XXX | As per Asset total minus cash to close from Final CD. |
| GCAT2025INV50847 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit DTI calculation. Tape data is AUS rounded up DTI. Audit is actual DTI not rounded up. |
| GCAT2025INV50848 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50848 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50849 | Property Address | XXX | XXX | Validated property address with documents provided. |
| GCAT2025INV50849 | Borrower 1 FTHB | XXX | XXX | Validated B1 has not owned property in more than three years from credit report. |
| GCAT2025INV50849 | Total Qualified Assets Post-Close | XXX | XXX | Validated assets post close with asset documents provided. |
| GCAT2025INV50849 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. Lender has $XXX more in debts than what was documented in the file. |
| GCAT2025INV50850 | Property Address | XXX | XXX | As per Note. |
| GCAT2025INV50850 | Borrower 1 Citizen | XXX | XXX | As per Final 1003 and Permanent Resident Alien Card. |
| GCAT2025INV50850 | Total Qualified Assets Post-Close | XXX | XXX | As per Total Assets Pre-Closing minus Funds to Close from Final CD. |
| GCAT2025INV50850 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit calculated Hazard Insurance lower than the audit due to the policy provided showing a lower annual premium than used by the lender on the AUS or the Final CD. |
| GCAT2025INV50851 | Total Qualified Assets Post-Close | XXX | XXX |  |
| GCAT2025INV50851 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| GCAT2025INV50852 | Total Qualified Assets Post-Close | XXX | XXX | As per Assets prior to closing minus Final CD cash to close. |
| GCAT2025INV50852 | Qualifying Total Debt Income Ratio | XXX | XXX | As per audit recalculation of 1.) Subject property Net rental income using market rent from appraisal operating income statement that was higher than the lender's lower estimated rent, and 2.) REO net rental income recalculation for property at XXX. Lender double-counted taxes and insurance figures. |
| GCAT2025INV50853 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50853 | Borrower 1 Last Name | XXXXX | XXXXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50853 | Property County | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50853 | Borrower 1 Self-Employment Flag | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50853 | Total Qualified Assets Post-Close | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50853 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50854 | Qualifying LTV | XXX | XXX | Rounding |
| GCAT2025INV50854 | Qualifying CLTV | XXX | XXX | Rounding |
| GCAT2025INV50854 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50854 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50856 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system. Calculations |
| GCAT2025INV50856 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed |
| GCAT2025INV50858 | Borrower 2 Self-Employment Flag | XXX | XXX | B2 self employed income not used. |
| GCAT2025INV50858 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 self employed income not used to qualify. |
| GCAT2025INV50858 | Borrower 4 Origination FICO | XXX | XXX | True data is mid score for B4, qualifying score is XXX. |
| GCAT2025INV50858 | Total Qualified Assets Post-Close | XXX | XXX | True data is funds after closing. |
| GCAT2025INV50858 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding. |
| GCAT2025INV50859 | Property Address | XXX | XXX | Per Note |
| GCAT2025INV50859 | Borrower 1 Self-Employment Flag | XXX | XXX | Per income docs |
| GCAT2025INV50859 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50859 | Qualifying Total Debt Income Ratio | XXX | XXX | Per REO docs |
| GCAT2025INV50860 | Qualifying FICO | XXX | XXX | As per Credit Report. |
| GCAT2025INV50860 | Qualifying CLTV | XXX | XXX | Rounding. |
| GCAT2025INV50860 | Qualifying LTV | XXX | XXX | Rounding. |
| GCAT2025INV50860 | Qualifying Total Debt Income Ratio | XXX | XXX | The AUS has total expense payments $XXX lower than the audit that revolve around the Primary housing PITI. However, the audit used the same primary housing figure from the Final 1003. |
| GCAT2025INV50861 | Qualifying FICO | XXX | XXX | Validated qualifying FICO with credit report provided. |
| GCAT2025INV50861 | Total Monthly Property Insurance Amount | $XXX | $XXX | Validated monthly property insurance premium with declarations page provided. |
| GCAT2025INV50861 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. File is missing the 1008, reviewer unable to determine the difference. |
| GCAT2025INV50862 | Property Address | XXX | XXX | true data confirmed |
| GCAT2025INV50862 | Qualifying FICO | XXX | XXX | true data confirmed |
| GCAT2025INV50862 | Total Monthly Property Insurance Amount | $XXX | $XXX | true data confirmed |
| GCAT2025INV50862 | Qualifying Total Debt Income Ratio | XXX | XXX | true data confirmed |
| GCAT2025INV50863 | Total Closing Costs | XXX | XXX | Closing costs confirmed with copy of final CD. |
| GCAT2025INV50863 | Total Monthly Property Insurance Amount | $XXX | $XXX | Total monthly property insurance payment confirmed with haz insurance in file. |
| GCAT2025INV50863 | Total Qualified Assets Post-Close | XXX | XXX | Total qualified assets confirmed with documentation in file. |
| GCAT2025INV50864 | Property Address | XXX | XXX | XXX per the note |
| GCAT2025INV50864 | Qualifying FICO | XXX | XXX | XXX per the credit report |
| GCAT2025INV50866 | Borrower 1 FTHB | XXX | XXX | Per final application |
| GCAT2025INV50866 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50867 | Qualifying LTV | XXX | XXX | LTV is rounded by DU |
| GCAT2025INV50867 | Qualifying CLTV | XXX | XXX | LTV is rounded by DU |
| GCAT2025INV50868 | Property Address | XXX | XXX | Caps |
| GCAT2025INV50868 | Borrower 1 Last Name | XXXXX | XXXXX | Caps |
| GCAT2025INV50868 | Borrower 1 First Name | XXX | XXX | Caps |
| GCAT2025INV50868 | Total Qualified Assets Post-Close | XXX | XXX | Confirmed with system calculation. |
| GCAT2025INV50868 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50869 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50869 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50872 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50875 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50875 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| GCAT2025INV50876 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| GCAT2025INV50878 | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| GCAT2025INV50878 | Total Closing Costs | XXX | XXX | Per final closing dislcosure |
| GCAT2025INV50878 | Total Monthly Property Insurance Amount | $XXX | $XXX | Rounding |
| GCAT2025INV50882 | Property Address | XXX | XXX | Per note |
| GCAT2025INV50882 | Property City | XXX | XXX | Per note/appraisal |
| GCAT2025INV50882 | Total Closing Costs | XXX | XXX | Per final closing disclosure |
| GCAT2025INV50882 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| GCAT2025INV50882 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50884 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| GCAT2025INV50884 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| GCAT2025INV50888 | Total Closing Costs | XXX | XXX | Per CD |
| GCAT2025INV50888 | Qualifying LTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50888 | Qualifying CLTV | XXX | XXX | Per Appraisal |
| GCAT2025INV50888 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per Insuance |
| GCAT2025INV50888 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50888 | Qualifying Total Debt Income Ratio | XXX | XXX | Per AUS LP |
| GCAT2025INV50889 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50889 | Property Zip Code | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50889 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50889 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50891 | Property Address | XXX | XXX | True data verified per Note. |
| GCAT2025INV50891 | Borrower 1 Self-Employment Flag | XXX | XXX | True data verified per tax returns. |
| GCAT2025INV50891 | Borrower 2 Self-Employment Flag | XXX | XXX | True data verified per tax returns. |
| GCAT2025INV50891 | Total Qualified Assets Post-Close | XXX | XXX | True data verified per bank statements and loan docs. |
| GCAT2025INV50891 | Qualifying Total Debt Income Ratio | XXX | XXX | True data verified per liabilities, rental properties and loan docs. |
| GCAT2025INV50895 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50896 | Borrower 1 Self-Employment Flag | XXX | XXX | Per Income |
| GCAT2025INV50896 | Total Monthly Property Insurance Amount | $XXX | $XXX | Per Insurance |
| GCAT2025INV50896 | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| GCAT2025INV50896 | Qualifying Total Debt Income Ratio | XXX | XXX | Within 3 % tolerance |
| GCAT2025INV50902 | Total Closing Costs | XXX | XXX | Validated total closing closts with final CD. |
| GCAT2025INV50902 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post close with documents provided. |
| GCAT2025INV50902 | Qualifying Total Debt Income Ratio | XXX | XXX | Validated total debt ratio with documents provided. Lender did not include HOA for primary residence that was documented in the file. |
| GCAT2025INV50903 | Initial Monthly P&I Or IO Payment | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50903 | Property Address | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50903 | Qualifying FICO | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50903 | Total Monthly Property Insurance Amount | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50903 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| GCAT2025INV50906 | Total Qualified Assets Post-Close | XXX | XXX | Per asset documents |
| GCAT2025INV50907 | Property Address | XXX | XXX | Validated property address with documents provided. |
| GCAT2025INV50907 | Total Qualified Assets Post-Close | XXX | XXX | Validated total assets post closing with documents provided. |
| GCAT2025INV50483 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |

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## Exhibit 99.13

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.13**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| GCAT2025INV50634 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/10/2025 | Borrower has stable job time - Material Finding C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50635 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Evidence the following properties are owned free and clear, such as a property profile: XXX.XXX XXX XXX (Land) XXX) Missing HOA Statement, or evidence of no HOA for the properties located at XXX XXX, XXX XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply. | Clients response ; Please see attached lender response to the HOA request. ; I see that the profile for XXX XXX reflects a XXX private party lien. It is noted that this lien was taken out in XX/XX/XXXX which is XXX years ago. While I acknowledge your concern, I think the risk is minimal. \| \| As it applies to HOA dues, our internal process is to look at the address and other documentation in the file. If nothing indicates a XXX or XXX (ex. Unit number) we typically will not request verification of HOA. I googled the properties and they are located in older, established neighborhoods where HOA dues are unlikely.; Evidence that properties are owned free and clear. \| I will need to contact the lender for HOA information. \| ; Please see attached insurance dec pages which confirm no mortgagees. \| As it applies to HOA dues, our process is to look at the address and other documentation in the file. If nothing indicates a XXX or XXX (ex. Unit number) we typically will not request verification of HOA. It should be noted that this loan was acquired through our Correspondent channel so we have reps and warrants. | 08/11/2025 | Lender provided title search verifying the XXX mortgage on REO XXX is dated XX/XX/XXXX and indicated the private mortgage was aged and the Note could not be obtained. This mortgage is at XXX years since origination and is reasonable that the lien has been paid off. In addition, the Borrower has indicated the mortgage property was paid off by their mother in XXX It is reasonable to consider this property, which is vacant land as paid in full and property is free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided verification of HOA fees for property XXX, updated 1008 and 1003. The property detail report for XXX, indicates property has an open loan. Please provide documentation to verify loan is paid off and released. Condition retained.; Borrower 1 Credit Report is Partially Present.; Lender provided property search for properties XXX and XXX. Audit property search supports properties do not have HOA fees. Audit reviewed Lender's response. The property detail report for XXX, indicates property has an open loan. Please provide documentation to verify loan is paid off and released. Condition cleared.; Lender provided property detail report for property XXX verifying property is owned free and clear. In addition Lender provided property detail report for XXX, reflecting open lien of XXX with a private property. Please provide verification the XXX private party lien has been paid and released. Further, please provide verification of HOA for properties XXX and XXX. Condition retained.; Audit reviewed Lender's response; however, documentation was not provided for review. In addition, hazard insurance policies are not sufficient to verify properties are owned free and clear. Audit, using the fraud report obtained by DD firm, verified properties XXX, XXX, XXX, XXX are owned free and clear. Also confirmed properties XXX, XXX, XXX, XXX and XXX do not have HOA fees. Please provide documentation to verify properties XXX and XXX are owned free and clear. In addition provide verification properties XXX and XXX do not have HOA fees. Condition retained. | 08/12/2025 | Borrower has stable job time - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50635 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order CDA. | 07/18/2025 | Borrower has stable job time - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50635 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2025 | Borrower has stable job time - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50635 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report File is missing a third party fraud report. Additional conditions may apply. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 06/24/2025 | Borrower has stable job time - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50636 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Compliance to resolve. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 06/26/2025 | is Greater than the Guideline Minimum - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50636 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires a third party fraud tool be obtained on all loans; however, a report was not found in the loan file. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 06/24/2025 | is Greater than the Guideline Minimum - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50636 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Subject is a multi-unit property so the XXX UCDP did not provide a Collateral Underwriter Risk Score. |  |  | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/20/2025 | is Greater than the Guideline Minimum - Material Finding D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XX/XX/XXXX: Finding added due to updated AUS, 1008 and 1003 reflecting rental income added to subject property; however, did not provide the XXX rental schedule and the document was not found in file. | XXX | 07/24/2025 | Lender provided form 1007 verifying rental income on subject property. Condition cleared.; Income and Employment Meet Guidelines | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing page XXX of bank Statement for XXX Bank account ending in XXX | assets | 07/11/2025 | Resolved as we have received missing page. ; Asset Record XXX Meets G/L Requirements Or Not Applicable | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX DU Approval requires proof that current balance on XXX credit account brings this debt below XXX remaining payments in order to omit from DTI. DTI will far exceed XXX% if debt is not omitted. Provide credit supplement or current Statement to show it. XXX DU approval requires proof of monthly payment of XXX per month on new HELOC against XXX property. | Please see revised XXX 1003 and AUS. The XXX payment is added back in and income revised to offset the DTI. ; XXX I am still working on the XXX loan issue. \| \| XXX Please see the Note with terms of the HELOC. | 07/22/2025 | Lender provided updated 1003, XXX and AUS that updated the income and included the XXX installment loan added back into debt ratios. Lender use rental income on the subject property on the updated documentation; however, the XXX Rent Schedule was not provided and not found in file to support the rental income. This finding is cleared and income finding added.; Borrower 1 Credit Report is not partially present.; Condition remains open as lender is still working on the XXX payment. We have received and cleared the issue with the HELOC payment.; Condition remains open as lender is still working on the XXX payment. We have received and cleared the issue with the HELOC payment.; Condition remains open as lender is still working on the XXX payment. We have received and cleared the issue with the HELOC payment. ; Borrower 1 Credit Report is not partially present. | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing There is a verification of employment from XXX system dated XX/XX/XXXX that says the borrower is earning XXX/ hr. part time average hours XXX as a XXX. This conflicts with the income on the paystubs and W2s in the file. Lender to provide satisfactory explanation and confirm that borrower is currently working full time. If this income was suppose to be a part of income for the borrower please inform us of that. Additional conditions may apply. | Please see attached documentation. I calculated XXX income at base XXX and overtime $XXX. Adjusted DTI XXX% which is within tolerance.; Income; VOE | 07/17/2025 | Lender provided Income re-calculation for Borrower, pay stubs and WVOE. Audit confirmed the hourly rate on the WVOE is for the Borrower's Unrestricted On call pay. The WVOE, YTD pay stub, XXX and XXX year end pay stubs support Lender's recalculated income. Audit search of average hourly pay for Registered XXX supports the pay stubs hourly pay rate of $XXX. The Borrower is paid XXX hourly base pay, XXX hourly for Unrestricted Call pay and OT at a rate of XXX per hour, all reflected on the Borrower's pay stubs. The WVOE and income documentation supports Lender's income calculation. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Condition remains as we have only received the income calculations and a Verbal VOE, this does not clear up the issue that the initial VOE verifies different income and hours than the paystubs. | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA on the property at XXX Lane. Additional conditions may apply. | No HOA | 07/11/2025 | Condition resolved as we have received evidence of no HOA dues. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 07/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/28/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit, condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI). Additionally HMDA discrepancy noted: Audit NMLS XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 07/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing title report. Additional conditions may apply. | Document Uploaded. | 07/01/2025 | Lender provided Title Commitment. Condition cleared.; Title Document is fully Present | 07/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50637 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report was not provided and is required. Additional conditions may apply. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50638 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2025 | Resolved | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | Qualified Mortgage Safe Harbor Threshold | General Qualified Mortgage; Presumption of Compliance | 07/21/2025 | Investor purchases HPML loans, condition cleared.; Audit reviewed Lender's response and has determined loan is General Qualified Mortgage; Presumption of Compliance transaction. BAML to review. Condition retained.; Material Finding | 07/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50638 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to addition and increase of title fees on the CD's issued XX/XX/XXXX and XX/XX/XXXX without a valid reason. | cure | 07/21/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 07/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50638 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 07/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50638 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/28/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI). Additionally, HMDA discrepancy noted: Audit NMLS XXX Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agreed with audit, condition cleared. ; Material Finding | 07/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50639 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 08/22/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50639 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Rescinded | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Why is this an outstanding finding? | 07/08/2025 | Invalid finding, no applicable on scope. ; Material Finding | 07/10/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50639 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 07/03/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Please provide documentation verifying borrower has no interest in the following XXX properties or add into DTI (Updated 1003/XXX/AUS): XXX XXX | XXX is our borrower. LOE and XXX Tax certs for remaining properties \| XXX XXX - Not our borrower \| XXX XXX - LOE & No Taxes \| XXX - Tax cert found - XXX \| XXX - Tax cert found - $XXX; Invalid \| XXX - His son owns the property \| XXX - His son and mom (XXX) - free and clear \| XXX - Not our borrowers \| XXX - His son owns the property | 07/28/2025 | Lender provided property tax information for property XXX XXX, LOE for property XXX XXX, audit confirmed taxes for property XXX XXX. Audit re-calculated DTI that includes the taxes for all XXX properties of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Lender provided property tax information for property XXX XXX, LOE for property XXX XXX, audit confirmed taxes for property XXX XXX. Audit re-calculated DTI that includes the taxes for all XXX properties of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; All Fraud Report Alerts have been cleared or None Exist; Lender provided property detail reports reflecting a XXX own REO properties of XXX XXX. The Real Quest for property XXX verifies property is not owned by the Borrower or the Co-borrower. Lender indicated properties are owned by Lender's son and mother (XXX); however, XXX is the Co-Borrower on the subject transaction and XXX, is listed as an aka name for the Borrower. Please provide documentation to verify XXX. is not our Borrower to verify properties XXX XXX is not owned by the Borrower. The property XXX XXX is owned by the Co-Borrower (XXX): therefore, PITIA must be included in the total debt obligatons. Condition retained. | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received - other finding added. Condition cleared; Fraud review completed - Other finding added.; Third Party Fraud Report is provided | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided |  |  | Third Party Fraud Report is fully present; ; Please provide documentation verifying borrower has no interest in the following XXX properties. XXX) XXX XXX | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing tax information for the following REO properties: XXX and XXX XXX | Tax verification | 07/11/2025 | Condition resolved as we have received evidence of the taxes and insurance. | 07/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 07/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50640 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/28/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit, condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI). Additionally, HMDA discrepancy noted: Audit NMLS XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 07/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50641 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide sufficient title coverage to cover loan amount. | Lenders Policy | 07/10/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50641 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | Lender provided the following post close as they do not have any affiliates ; Acknowledged- Please waive non-material finding | 07/30/2025 | Lender provided an Affiliated Business disclosure verifying Lender does not have affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Lender acknowledged missing Affiliated Business Disclosure. BAML must approved downgrade of finding. Condition retained.; Material Finding | 07/31/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for XXX XXX. If not applicable, a LOE stating there are no HOA dues is required. | LOE | 07/25/2025 | Lender provided LOE from Borrower indicating no HOA fees on property XXX XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts | LOE and Deed were also provided at time of submission - XXX XXX is owned by XXX parents, XXX. Our borrower is XXX | 07/24/2025 | Lender provided LOE and Deed verifying property XXX XXX is owned by Borrower's parents. Condition cleared.; All Fraud Report Alerts have been cleared or None Exist; Co borrower appears to have personal interest (Along with Trust) for XXX XXX. NOTE: Property profile in file also verifies Co-borrower has interest in property. Please provide updated 1003/XXX/AUS including property. Additional conditions may apply. | 07/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. |  |  | Fraud Report received - Other Condition added. Condition cleared.; Third Party Fraud Report is provided | 07/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/12/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS Number XXX vs Lender Loan Originator NMLS Number MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree with XXX | 07/16/2025 | Lender agreed with audit value. Condition cleared. ; Lender agreed with audit value. Condition cleared. ; Lender agreed with audit value. Condition cleared. | 07/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 07/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50642 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 07/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50643 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order CDA. |  |  | Third party valuation product provided within tolerance. | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50643 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application shows a mortgage payment of XXX for the borrower's XXX at XXX which was confirmed using the credit report. However, we are unable to determine if property taxes and homeowners insurance are escrowed. Please verify. In addition, the application reflects a current balance and monthly payment for a HELOC associated with this property. Please provide documentation to verify the balance and payment. | The XXX mtg Statement in file, and attached, clearly shows escrow of taxes and insurance. The attached XXX Heloc Statement shows the updated balance and payment which was included in the DTI. Proof of the XXX month HOA fee is attached, and it was included in the DTI. | 07/25/2025 | Lender provided mortgage Statement for 1st and 2nd lien verifying taxes and insurance were escrowed and verifying monthly payments on both. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50643 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50644 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: AVM provided score of XXX% and FSC of XX/XX/XXXX which is below the minimum required of XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |  |  | CCA obtained - within tolerance - condition cleared. | 08/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50644 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report File is missing the third party fraud report. Additional conditions may apply. | Fraud Report attached | 07/28/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided | 07/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50644 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Final Title policy attached | 07/29/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 07/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50644 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50645 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 08/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50645 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Borrower1 to satisfactorily explain why W2 doesn't match with W2 income listed on business return. Additional conditions may apply. | LOE and W2 | 08/07/2025 | Condition cleared as we have received the explanation for the variance in W2 and business return. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50645 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50645 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA for the property at XXX. | HOA | 08/01/2025 | Lender provided verification of HOA fees for XXX Legend Ridge Trl. Condition cleared. | 08/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50646 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50647 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance. | 08/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50647 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50647 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines For the property located at XXX XXX. Please provide documentation for the one time expense added back to the rental income for the new XXX and refrigerant in the amount of $XXX. Additional conditions may apply. | these were sent in the package | 08/05/2025 | Resolved as we have received evidence of the one time expenses from the lender. ; Income and Employment Meet Guidelines | 08/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50648 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided score of XXX% and FSC of XX/XX/XXXX which is below the minimum required of XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | Uploaded AVM. Thank you | 08/06/2025 | Third party valuation product provided within tolerance. | 08/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50648 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50649 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50650 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Please provide documentation verifying the existence of the self-XXX business dated within XXX days of the note date. | here you go; we provided an invoice dated XXX 1st and a 3rd party online lookup of business showing open in original file. | 08/19/2025 | Lender provided Business Search dated post closing, which meets AUS and XXX requirements. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); The internet search in file is not dated. Audit is unable to determine search was completed within XXX days prior to consummation. Please provide verification the third party search was completed within XXX days of consummation. Condition retained. | 08/26/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50650 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The file is missing the last run LPA. Please provide the final LPA associated with AUS# XXX. The file contains Feedback Certificates on pages XXX and XXX; however, the complete report showing the DTI, LTV, documentation, and reserve requirements is not included. | here you go | 08/13/2025 | Lender provided AUS / LP results #XXX. Condition cleared.; AUS is not incomplete | 08/18/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50650 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50651 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 08/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/31/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50651 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 08/12/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report for the property at XXX XXX. reflecting the property is owned free and clear. Missing insurance policy for the property at XX/XX/XXXX XXX | Property docs | 08/15/2025 | Lender provided property profile for property XXX XXX verifying property has a commercial loan and provided the credit report supplement verifying the the XXX account on the credit report is for that property. Lender also provided insurance information for property XX/XX/XXXX XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50651 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 08/12/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 08/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50652 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50652 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report for the properties at XXX XXX reflecting the properties are owned free and clear. Missing insurance policy for the property at XXX XXX | Property docs | 08/18/2025 | Lender provided hazard insurance and property report for XXX XXX reflecting a lien on property and credit report verifies lien has been paid in full supporting property is owned free and clear. Audit confirmed on the fraud report property XXX XXX did have a lien, which credit report verifies has been in full supporting property is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50652 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50653 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. | 08/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50653 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% (Seller paid Processing Fee: $XXX ax Service FeeXXX W Fee: $XXX ppraisal Fee: XXX Flood Cert: $XXX) Seller Credit: XXX exceeds the maximum of XXX% allowed of XXX | here is updated aus and XXX | 08/20/2025 | Lender provided updated AUS lowering the purchase price by the excessive Interested Party Contributions (IPC) approving LTV / CLTV of XXX%. The original purchase price of XXX - XXX excessive IPC = XXX adjusted purchase price. Loan amount of XXX / XXX adjusted purchase price = XXX%. The AUS confirms the loan still qualifies at the lower adjusted purchase price. Condition cleared.; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% (Seller paid Processing Fee: $XXX ax Service FeeXXX W Fee: $XXX ppraisal Fee: XXX Flood Cert: $XXX) Seller Credit: XXX exceeds the maximum of XXX% allowed of XXX | 08/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50653 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50654 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 08/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50654 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50655 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Rescinded | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud report was included in the initial loan delivery | 08/26/2025 | Audit reviewed Lender's response and has determined the fraud report is in the loan file on page XXX Condition rescinded.; Third Party Fraud Report is provided | 08/27/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50655 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50655 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order. | 08/22/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50656 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50656 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing the cash flow analysis (Form XXX) or equivalent and a copy of the business license. Business existence must be verified through a disinterested third party and supporting documentation is required. Additional conditions may apply. | Cash Flow & Evidence of business existence | 08/21/2025 | Lender provided cash flow analysis and Verification of Business dated post closing, which meets AUS requirements. Condition cleared.; Income and Employment Meet Guidelines | 08/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50656 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm to order. |  |  | Third party valuation product provided within tolerance. | 08/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50657 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please advise if this loan is clear | 08/25/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/26/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50657 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Within Tolerance. XXX will order the CDA. |  |  | Third party valuation product provided within tolerance. | 08/22/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50658 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes, insurance and HOA for the property at XXX XXX. Additional conditions may apply. | Please see pgs XX/XX/XXXX of originally delivered credit package for mortgage Statement showing taxes and insurance escrowed and HOA coupons and cancel condition as documentation was previously provided | 08/27/2025 | Audit reviewed Lender's response and has determined the mortgage Statement in file reflecting escrows was included in mortgage payment. The Statement reflects an insurance disbursement and the fraud report reflects property taxes. It could be determined the escrows include both taxes and insurance. In addition, HOA verification is in file on page XXX Condition cleared. | 08/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50658 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50659 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50659 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Third party valuation product provided within tolerance. | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50660 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50660 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) File is missing the mortgage Statement for the property located at XXX XXX to verify tax and insurance are escrowed. XXX) Evidence the following property is owned free and clear, such as a property profile: XXX XXX Additional conditions may apply. | Please see attached | 08/29/2025 | Lender provided mortgage Statement for property XXX, verifying escrows include both taxes and insurance. In addition, Lender provided Property Detail Report for property XXX XXX verifying property is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present. | 09/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50661 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/27/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM. XXX to order. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM. XXX to order. |  |  | Third party valuation product provided within tolerance. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50661 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50662 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50662 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Appraisal Receipt | 09/02/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided. | 09/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50663 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50663 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm Will Order. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm Will Order. | 09/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50664 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure. | Document Uploaded. | 09/16/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50664 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50665 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audited DTI of XXX% exceeds the lender's overlays maximum DTI of XXX% The LP DTI is XXX% Tapa data DTI XXX% and audit DTI is XXX%. The LP seems to not have included all of the PITIA payments totaling $XXX. The LP reflects proposed housing as XXX |  |  | Received guidance from Client. XXX% tape tolerance is acceptable. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50665 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50665 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50665 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Rescinded | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). Documentation required: Provide evidence borrower received copy of appraisal at least XXX business days prior to consummation. | Invalid - Evidence provided in original file upload | 09/09/2025 | Lender provided verification of Borrower's receipt of appraisal, which was also in the loan file on page XXX Condition rescinded.; Evidence of appraisal delivery provided. | 09/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50665 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Rescinded | FPRO0951 | Property | XXX Approval Missing | XXX Approval Missing. Missing XXX Approval. | Streamline Review - Q - Limited Review for an Established Project - XXX approval not required | 09/10/2025 | Audit reviewed Lender's response and has determined the subject transaction is a Streamline Review; therefore, a Limited Review is acceptable, which is in the loan fil on page XXX Condition rescinded.; XXX Approval is provided. | 09/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50666 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50667 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Need additional information as to what the finding is | 09/26/2025 | Condition resolved as HMDA data was received and cleared. ; Condition resolved as HMDA data was received and cleared. ; Material Finding; Condition resolved as HMDA data was received and cleared. ; Material Finding | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50667 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50667 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50667 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. There is a separation agreement with a child support order stating the borrower is ordered to pay XXX monthly to the mother, however child support order was not included in the DTI. Please provide supporting documentation for excluding child support order in the amount of XXX monthly. Note: The child is over XXX years of age, however need evidence that there is no balance owed for child support. | LOX | 09/10/2025 | Audit reviewed Lender's response and has determined the Child Support order and separation agreement indicate Borrower's child is reaching the age of XXX which per the separation agreement the child support ends at the time of the operation of law, indicating the child supports end at the time the child turns XXX Condition cleared. ; Borrower 1 Credit Report is not partially present. | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50668 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50669 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50669 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50670 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 09/02/2025 | Acknowledged | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. [[ §1026.19(e)]] This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | As States previously: This loan is HPML Rebuttable Presumption as verified on the XXX in the loan file (Page XXX) of the indexed complete loan package. This loan does not fail QM points & fees and a full appraisal was completed therefore this loan is compliant. \| \| Why are we being cited for an HPML compliant loan?; Not Valid - APR on Final CD is XXX with APOR of XXX and Rate Spread of XXX - XXX property \| | 10/17/2025 | BAML approved - downgrade to B; Audit reviewed Lender's response, the finding is for information purposes and remains as a XXX to be reported. BAML must review Rebuttable Presumption loans. Condition retained.; Audit reviewed Lender's response and has determined information finding for HPML. Condition retained.; Material Finding; Open finding | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| GCAT2025INV50670 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 09/02/2025 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML compliant This loan failed the XXX rate spread home loan test. (XXX GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | As Stated in your comments, this loan is HPML compliant, what is the issue?; HPML; Not Valid - APR on Final CD is XXX with APOR of XXX and Rate Spread of XXX - XXX property \| | 10/17/2025 | Finding is for information purposes. Condition cleared.; Audit reviewed Lender's response and has determined loan is HPML and is for information purposes. Condition retained.; Audit reviewed Lender's response and has determined information finding for HPML. Condition retained.; Material Finding; Open finding | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| GCAT2025INV50670 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). There is no evidence that a copy of the appraisal was provided to the borrower at least XXX busines days before consummation date of XX/XX/XXXX. Please provide a document confirming appraisal was sent to the borrower at least XXX days prior to consummation. Alternatively, provide a signed waiver and evidence appraisal was provided at or prior to consummation. | Appraisal Delivery | 10/10/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material Finding | 10/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| GCAT2025INV50670 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| GCAT2025INV50670 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. TPV is required and is missing. |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C | B C | B C | B C | B C | B A | B A | B A | B A | B A | B |
| GCAT2025INV50671 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender ULI XXX, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | Agree - ULI is XXX | 09/30/2025 | Lender agreed with audit value for ULI of XXX. Condition cleared.; Lender agreed with audit value for ULI of XXX. Condition cleared.; Material Finding; Lender agreed with audit value for ULI of XXX. Condition cleared.; Material Finding | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50671 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50672 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50672 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50673 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50673 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50674 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing from loan file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing from loan file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50674 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50674 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The XXX other income for B1 is not documented | Income removed | 09/18/2025 | Lender provided update AUS/XXX. Condition cleared. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50675 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50676 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing from file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing from file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50676 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding added. ; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50677 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50677 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A Third Party Fraud Report is required but was not found in the file, Lender to provide. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50678 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50679 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50680 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50681 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50682 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50683 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50684 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50685 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50685 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The DTI exceeds XXX% due to the primary housing payment of $XXX. The XXX reflects the primary housing payment as XXX However, the mortgage Statement for primary States XXX per month. There is no explanation in file for the difference. Additionally the borrower's bank Statement reflects the amount Stated on the mortgage Statement. | BRW IS NOT LIABLE FOR PRIMARY XXX XXX PITI PER MTG STMT AND HELOC ON CR XXX WAS ACCTD. | 09/09/2025 | Lender provided mortgage Statement for Borrower's XXX, verifying Borrower is not financially obligated for PITIA for the 1st lien on property. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50685 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50686 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50686 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50687 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Invalid - See attached | 09/09/2025 | Received guidance from Client. XXX% tape tolerance is acceptable. Condition cleared. ; Audit reviewed Lender's response and has determined the audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%; however, both the audit DTI of XXX% and the AUS approved DTI of XXX% exceeds the tape value of XXX% and client overlay maximum of XXX%. BAML approval required for excessive DTI. Condition retained. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50687 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50687 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Rescinded | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX Assets agree with 1003, but do not meet AUS requirement. | We have sufficient funds for reserves, once we include the XXX account #XXX. | 09/09/2025 | Audit reviewed Lender's response and has determined assets are sufficient for closing costs and reserves. Condition rescinded.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 09/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50688 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50688 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50688 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of closing as required. Docs in file are not within XXX days of closing. | Provided in original submission | 09/15/2025 | Lender provided VVOE dated within XXX business days of the Note date. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50688 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM9610 | Compliance | Missing Power of Attorney | Missing Power of Attorney and/or POA Does Not Meet Guideline Requirements POA is incomplete. Document has not been signed and notarized as required as part of the document. | Provided in original submission | 09/15/2025 | Lender provided POA. Condition cleared.; POA Meets Guideline Requirements | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50689 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50690 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The Advance Fee Notice disclosure States the a XXX Certification Fee of XXX is being charged for processing the XXX questionnaire by the XXX's property management company. The Final CD shows a XXX Certification Fee of XXX being charged for this questionnaire. The questionnaire, however, is missing. Unable to determine if the XXX Project if Warrantable without this questionnaire. | Condition cleared as we have received the missing questionnaire. ; HOA Questionnaire | 09/30/2025 | HOA Questionnaire Provided | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50690 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value - XXX (ULI page XXX) | 09/16/2025 | Cleared as lender agrees with audit.; Cleared as lender agrees with audit.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender ULI missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure or confirmation the lender has no affiliates. | Document Uploaded. | 09/16/2025 | Condition cleared as we have received evidence of no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement, or evidence of no HOA for the properties located at XXX XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements ppraisal, or LOE from the borrower. Additional conditions may apply. | HOA | 09/15/2025 | Lender provided LOE signed by Borrower reflecting no HOA fees on property XXX XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50691 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing the XXX K-XXX for the borrower, showing income of $XXX. Additional conditions may apply. | The XXX K-XXX from business was provided in the original upload | 09/09/2025 | Lender provided XXX K1 reflecting income of $XXX. Condition cleared.; Income and Employment Meet Guidelines | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50692 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50693 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Calculated subject rental income per market rent of XXX - XXX% vacancy = XXX Lender used full XXX - PITIA of XXX = XXX vs Lender's calculation of XXX for a variance of XXX and increased DTI to XXX% which is greater than XXX% variance, however less than guideline max of XXX% DU to be updated and resubmitted. | AUS | 09/15/2025 | Lender provided updated AUS reflecting approved DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50693 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50693 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per Lender's guidelines Fraud Report required |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50694 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50695 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage reflects a XXX Rider attached however the appraisal States the subject is tenant occupied. Photos provided by the appraisal reflects that the subject property may be currently occupied. Either the Rider is to be corrected to XXX or the appraisal is to reflect owner occupied. Occupany must be validated. | Cert | 10/15/2025 | Lender provided a Processor Certification indicating the Borrower was contacted who confirmed the subject property is a XXX, is not rented out and is retained for purposes of as a XXX to visit family member who live on the XXX. Audit confirmed the hazard insurance for the subject property does not include renter's loss and is a standard HO-XXX policy, supporting the subject property is a XXX. In addition, the Borrower's income documentation supports Borrower lives on the XXX supporting the processor certification that the Borrower used the subject property as a XXX to visit the XXX Condition cleared.; The Deed of Trust is Present and Complete; The Deed of Trust is Incomplete Mortgage reflects a XXX Rider attached however the appraisal States the subject is tenant occupied. Photos provided by the appraisal reflects that the subject property may be currently occupied. Either the Rider is to be corrected to XXX Rider or the appraisal is to reflect owner occupied. Occupany must be validated. | 10/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| GCAT2025INV50695 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (§1026.19(e)]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee without a COC. | Cure | 10/10/2025 | Lender provided final settlement Statement, LOE, and PCCD reflecting final recording fees of XXX which is within XXX% tolerance of the recording fees disclosed on initial LE. Condition cleared.; Lender provided final settlement Statement, LOE, and PCCD reflecting final recording fees of XXX which is within XXX% tolerance of the recording fees disclosed on initial LE. Condition cleared. | 10/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| GCAT2025INV50695 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit ULI XXXvs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit ULI XXXvs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| GCAT2025INV50695 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| GCAT2025INV50695 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. Fannie UCDP SSR report reflects a score of XXX. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. Fannie UCDP SSR report reflects a score of XXX. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| GCAT2025INV50696 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50696 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50697 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The Title Commitment indicates the last transfer of the subject property was on XX/XX/XXXX, a copy of the deed or other evidence verifying the length of time XXX has owned the property (parcel was recently split). | Lender Response | 10/07/2025 | Lender provided XXX business return reflecting Borrower's ownership in XXX is XXX% and provided Operating Agreement of XXX reflecting Borrower has XXX% ownership in company, verifying Borrower's ownership in property greater than XXX months. Condition cleared.; Satisfactory Chain of Title has been provided | 10/09/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE2899 | Credit | Potential Ownership issues identified in file | Documents verifying the borrower has Majority Ownership in XXX meeting FNMA guidelines establishing continuity of ownership for a minimum of XXX months. | Please see attached | 10/07/2025 | Lender provided business return reflecting Borrower's ownership in XXX is XXX% and provided Operating Agreement of XXX reflecting Borrower has XXX% ownership in company. Condition cleared. | 10/09/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Rescinded | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | The rate and term refinance of a 1st lien that is a private mortgage (seller financed, borrower's LLC is the seller) and is Non-Arm's Length transaction. FNMA Prohibited Refinancing Practices (B2-XX/XX/XXXX) Prohibits arrangements between a seller/servicer and a borrower that are made to "complete a refinance transaction that circumvents XXX's cash-out refinance policies and pricing". | I reviewed FNMA B2-XX/XX/XXXX and the paragraph that you are quoting goes on to say "A transaction is not eligible as a limited cash-out refinance if the borrower completed a cash-out refinance transaction with a note date XXX days or less prior to the application date of a new refinance secured by the same property." In this case, the borrower purchased the property on XX/XX/XXXX | 09/15/2025 | Audit reviewed Lender's response and has determined the subject transaction meets FNMA requirements for rate and term refinance transactions. The property was put into Borrower' name individually from the LLC with an outstanding mortgage, which was paid off with the subject transaction. The Deed of Trust and Revocable Trust documentation are both in the loan file verifying purchase / transfer of property from the LLC to the Borrower and LTV is XXX%, below maximum allowable. In addition, audit search of business XXX verifies Borrower as a managing member of company. Condition rescinded. | 09/16/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Evidence of HOA assessments were not provided directly from the HOA Association for the following properties, provide HOA Statements for the following properties: XXX XXX | REO LOE | 09/12/2025 | Lender provided verification of HOA fees for XXX. Audit reviewed Lender's response for property XXX and has determined XXX months bank Statements are in file supporting debt on property is paid for property is by another person. Condition cleared. | 09/15/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50698 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Lender States there is no tax returns filed for XXX and is reported on a Schedule C which was not found in the file. Rental income was used from property owned by the LLC to qualify the borrower on property located at XX/XX/XXXX XXX, the Schedule E worksheet States LLC Distributed Rent. The LLC is also liable on the blanket mortgage. Provide the following: - Evidence the borrower has majority ownership in the LLC - Documentation such as an operating agreement or letter from the borrower's accountant stating returns are not required to be filed and the percentage of ownership the borrower has in the LLC | Rebuttal | 09/09/2025 | Lender provided email correspondence, mortgage Statement reflecting owned by XXX, credit supplement, Exhibit A from Revocable Trust showing XXX, schedule E Aggregation of Business Operations from personal tax return reflecting rental income from XXX, which matches the schedule E rental income and business search. The properties held in XXX are filed on the personal tax return under schedule E Supplemental Income and Loss; therefore, business returns are not required. Condition cleared.; Borrower 1 Business Tax Returns Provided | 09/11/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50699 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50700 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50701 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50701 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50702 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50702 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A Third Party Valuation Product is required, a current AVM is required. |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50703 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of business for XXX within XXX days of note date per FHLMC guidelines. Document provided in the file has no date pulled on it. 2nd business verification was provided. | All VOE docs submitted by client should be sufficient; See page XXX of document attached - shows XX/XX/XXXX validation | 10/03/2025 | Lender provided google search for business XXX dated post closing on XX/XX/XXXX, which meets AUS requirements and provided business search through Department of State verifying business as active. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender provided business search for both of Borrower's businesses, XXX, which has a note from the Loan Setup Team that shows information was obtained on XX/XX/XXXX; however, the search of business XXX does not reflect a date the information was obtained. Please provide verification of the date the information for business XXX was obtained and the name and title of Lender's employee who obtained the information to verify the documentation was obtained within XXX days of the Note date. Condition retained. | 10/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50703 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Both 1120S and XXX business returns are marked "Draft". FHLMC guidelines do not allow this. Must provide copy of both business returns that are signed to show submitted to the XXX without Draft on them. (Personal returns are in file and meet requirements.) Lender to also provide borrower letter of explanation as to why there was no income in XXX for XXX. Business was originated in XXX | We agree the business tax returns on file are labeled "Draft". However, we have the XXX and XXX tax transcripts that verify the business income reported on personal returns match the business returns we have on file. This verifies the business returns represent accurate data that we can use to complete the self income analysis. | 09/09/2025 | Audit reviewed Lender's response and has determined the XXX and XXX tax transcripts matches the business income on the business tax returns, supporting the business income reflected on the business returns. In addition, the K1's support the income; therefore, income in XXX for XXX is non-material as the business shows a positive income in XXX and is supported by personal tax transcripts in file. Condition cleared.; Income and Employment Meet Guidelines | 10/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50703 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50703 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50704 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50705 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50706 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | XXX | 09/30/2025 | HMDA received, received missing ULI, condition cleared. ; HMDA received, received missing ULI, condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; HMDA received, received missing ULI, condition cleared. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50706 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50706 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report There is no fraud report in file. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50706 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Rescinded | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Tape DTI is XXX. Approved AUS in file DTI is XXX. Audit DTI is XXX. BAML to approve. |  |  | DTI within tolerance of Tape. Rescind.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 09/09/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50707 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit Total loan costs XXX vs Lender value XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit Total loan costs XXX vs Lender value XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50707 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50707 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided; Missing Third Party Fraud Report Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50707 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50708 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50708 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50709 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCOM6722 | Compliance | Mortgage not properly executed | The Notary incorrectly hand-wrote the year as XXX instead of XXX in the sentence on the Mortgage document, page XXX of XXX of "This instrument was acknowledged before me on XXX XXX by XXX." | SI | 09/26/2025 | Condition cleared as we have received corrected mortgage with updated date. | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| GCAT2025INV50709 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| GCAT2025INV50710 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | We agree - XXX | 09/30/2025 | Condition cleared as lender agrees with audit. ; Condition cleared as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender ULI XXX, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Condition cleared as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender ULI XXX, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50710 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA discrepancy noted, additional finding set. ; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50710 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50711 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Borrower's waived their XXX days right to receive and signed the acknowledgement of receipt on XX/XX/XXXX (consummation date) | 09/16/2025 | Condition cleared as we have received the appraisal delivery evidence. ; Evidence of appraisal delivery provided.; Material Finding | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50711 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50711 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50712 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50713 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM | Appraisal Final Inspection XXX | 09/03/2025 | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50713 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/03/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50714 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50715 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50715 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50716 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 09/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50717 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please advise if review has been completed | 09/05/2025 | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50718 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50718 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50719 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50719 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50720 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50720 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. dd firm to order |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50721 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50722 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50722 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage Statement for XXX XXX was not provided for review. Please submit mortgage Statement for XXX XXX | Please see attached | 09/15/2025 | Audit reviewed Lender's response and has determined the credit report, tax inform, hoi and property search reflecting HOA fees are in the loan file for property XXX XXX, supporting Lender's PITIA calculation The Lender used the full payment on the credit report and added the taxes, hoi and HOA for full PITIA on property; therefore, the mortgage Statement is not required. Condition rescinded. | 09/16/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50722 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50722 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50723 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50723 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50723 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50724 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence of the borrower's percentage of ownership in the following LLCs verifying borrower has sole ownership of the commercial properties listed on schedule E: • XXX - provide the following: • Mortgage Statement for primary mortgage payment of XXX • Evidence there is no HOA fee associated with the property Provide evidence there is no HOA fee associated with the following properties: • XXX • XXX XXX provide the following: • Evidence of taxes, insurance and HOA XXX XXX • Lender to provide evidence the borrower is not personally liable for any debt associated with the property XXX XXX • Provide a copy of the note verifying the borrower is not obligated on the mortgage XXX Policy • Lender to provide a breakdown on how insurance premium was calculated for commercial properties included on borrower's Schedule E | I apologize in advance for the piecemealing of cure docs. I broke your finding into XXX separate findings so I'll try to make it as clear as possible. \| Regarding the HOA fees for XXX XXX: As it applies to HOA dues, our process is to look at the address and other documentation in the file. If nothing indicates a XXX or XXX (ex. Unit number) we typically will not request verification of HOA. I googled all XXX properties and they are located in older, established neighborhoods where HOA dues would be unlikely. | 09/23/2025 | Condition cleared as we have received of HOA due not required from lender. | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50724 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50724 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A Third Party Fraud Report is required but was not found in the file, Lender to provide. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50725 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). The disclosure tracking summary did not provide proof the appraisal was delivered to the borrower a minimum of business days prior to closing and no other documentation was found. Provide proof when the borrower received the appraisal. | Appraisal delivery | 09/18/2025 | Condition cleared as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material Finding | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50725 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50725 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50726 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50726 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50726 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agreed with audit - condition cleared ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50727 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI variance due to the Lender not including the Full PITIA of the XXX and neg income in final calculations. | We still disagree ; Total income at XXX and total liabilities of $$XXX. The finding is not included the use of lease to offset the PITA of REO XXX XXX this proper was the borrowers XXX months prior to them living in REO XXX XXX. Documentation has been uploaded supporting that this property use to be the borrowers primary and the use of the lease and XXX mos rental should be allowed. ; The full PITIA of XXX and negative net rental of all XXX properties were accounted for per LP submission XXX Income tool with verification of debts and XXX properties is provided. | 10/22/2025 | Lender provided updated AUS approving DTI of XXX% Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX% Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Lender provided lease agreement and asset documentation verifying deposits for rental income on departing residence of XXX XXX. Audit re-calculated rental income results in an audit DTI of XXX% which exceeds AUS approved DTI of XXX% Please provided updated AUS approving DTI of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX%; Audit reviewed Lender's response and has determined the audit DTI remains as XXX%. Audit calculation is as follows: XXX PITIA for XXX + XXX liabilities + XXX subject negative rental income + XXX negative rental income for other REO properties = XXX / XXX total income - XXX% DTI, which exceeds AUS approved DTI of XXX% and client overlay maximum of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50727 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | XXX | 09/30/2025 | Lender provided valid ULI of XXX. Condition cleared.; Lender provided valid ULI of XXX. Condition cleared.; Material Finding; Lender provided valid ULI of XXX. Condition cleared.; Material Finding | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50727 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. Additional discrepancy finding created. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50727 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing XXX day pre-closing verification required by LPA approval dated no more than XXX business days prior to the Note Date or after Note date but prior to the Delivery Date. | Invalid request - VVOE - paytub provided covering XXX XXX - XXX XXX and the Note date is XX/XX/XXXX | 09/17/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Audit reviewed Lender's response and has determined the paystub dated within XXX days, and has a paid through date within XXX days of the Note date is in the loan file and meets FNMA, XXX and AUS requirements for alternative documentation that can be used as a VVOE. Condition rescinded.; Borrower 1 3rd Party VOE Prior to Close Was Provided Audit reviewed Lender's response and has determined the paystub dated within XXX days, and has a paid through date within XXX days of the Note date is in the loan file and meets FNMA, XXX and AUS requirements for alternative documentation that can be used as a VVOE. Condition rescinded. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50728 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The following properties do not have evidence there is no HOA fees associated with the properties: • XXX XXX | As it applies to HOA dues, our process is to look at the address and other documentation in the file. If nothing indicates a XXX or XXX (ex. Unit number) we typically will not request verification of HOA. I googled the property and it is located in an older, established neighborhood where HOA dues would be unlikely. | 09/19/2025 | Condition cleared as we have received evidence of no HOA dues. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50728 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50728 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50728 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide a Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50729 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing There is no third-party verification of borrower's self-employment in file. | Business VOE | 09/15/2025 | Lender provided Business License search dated within XXX days of the Note date. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50729 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50729 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third-party fraud report is not in file. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50730 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | XXX | 09/30/2025 | Lender provided valid ULI of XXX. Condition cleared.; Lender provided valid ULI of XXX. Condition cleared.; Lender agreed with NMLS audit - cleared - condition retained for ULI discrepancy. ; Material Finding; Lender provided valid ULI of XXX. Condition cleared.; Lender agreed with NMLS audit - cleared - condition retained for ULI discrepancy. ; Material Finding | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50730 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA Data Tape Provided additional discrepancy finding added. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50730 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report There is no fraud report in file. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50731 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50731 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50732 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50732 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50733 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Acknowledged | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide Hazard Insurance Effective Date XX/XX/XXXX. Current policy show Effective Date of XX/XX/XXXX which is after the Disbursement Date of XX/XX/XXXX. | Attestation | 09/17/2025 | PCI and attestation provided - BAML approved - Grade B; Lender provided attestation indicating no claims made between XX/XX/XXXX and XX/XX/XXXX. BAML must approve downgrade of finding. Condition retained. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| GCAT2025INV50733 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value - ULI XXX | 09/24/2025 | Resolved as the lender agrees with audit.; Resolved as the lender agrees with audit.; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender ULI missing from loan file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Resolved as the lender agrees with audit.; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender ULI missing from loan file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender ULI missing from loan file, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| GCAT2025INV50733 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Resolved as the lender agrees with audit. ; HMDA received, additional discrepancy finding added.; HMDA Data Tape Provided. | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| GCAT2025INV50733 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| GCAT2025INV50734 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50734 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50735 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Lender agreed with audit - condition cleared; HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50735 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50736 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50736 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report There is no third-party fraud report in file. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FCOM3075 | Credit | Missing XXX Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Patriot Act disclosure was not provided and is a required document. | Please review mTrade. Items was uploaded XXX; Invalid - provided in original upload | 10/16/2025 | Condition cleared as we have received the missing Patriot Act form. ; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID.; Material Finding | 10/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 10/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/09/2025 | Resolved | FCRE1364 | Credit | Borrower 2 Executed XXX-T Missing | Borrower 2 Executed XXX-T Missing Missing the XXX or alternate forms in loan file. | XXX - both borrowers | 09/24/2025 | Lender provided 4506T. Condition cleared.; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/09/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing Missing the XXX or alternate forms in loan file. | XXX - both borrowers | 09/24/2025 | Lender provided 4506T. Condition cleared.; Borrower 1 Executed XXX-T Provided | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/09/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XX/XX/XXXX - Lender to provide WVOE showing a XXX yr history of bonuses or year end paystubs for XXX and XXX to calculate and confirm XXX bonus income. Additional conditions may apply. | VOI | 09/24/2025 | Lender provided WVOE reflecting XXX years of bonus income, which supports the income used by Lender. Condition cleared.; Income and Employment Meet Guidelines | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Rescinded | FCRE4805 | Credit | Trust/POA Does Not Meet Guideline Requirements | Missing trust cert or copy of trust docs. Note was signed under the trust. Additional conditions may apply. | Invalid - provided in original submission | 09/18/2025 | Condition rescinded as the mortgage was completed correctly with required revocable trust rider as well. | 09/23/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50737 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50738 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50738 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50739 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing copy of final CD for XXX Via XXX property closing simultaneously to verify PITI. | Final CD | 10/01/2025 | Lender provided final CD for property XXX Via XXX verifying PITIA. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50739 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50739 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50740 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy(s) have been noted: Audit Loan Purpose Refinancing vs Lender Loan Purpose Cash-out Refinancing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | XXX REFI - PAYOFF ON POST CD P.XXX IS FOR ANOTHER PROPERTY | 09/30/2025 | Audit reviewed Lender's response and has determined the payoff of the loan on the CD is for a property other than the subject; therefore, refinance is considered cash-out. Condition cleared.; Material Finding | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50740 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50741 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy | Provided in original file submission | 09/17/2025 | Condition cleared as we have received the Master policy of insurance. ; HO-6 Master Insurance Policy is fully present | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50741 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50741 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50742 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. B Grade |  |  | Acknowledged - PIW Loan - BAML Approved - not identified on Tape.; PIW is not disclosed on bid tape, therefore appraisal waiver is not permitted; | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50742 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI - XXX | 09/30/2025 | Condition cleared as we have received the ULI. ; Condition cleared as we have received the ULI. ; Lender agreed with audit NMLS - cleared - Condition retained for ULI discrepancy; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; Condition cleared as we have received the ULI. ; Lender agreed with audit NMLS - cleared - Condition retained for ULI discrepancy; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50742 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50742 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided; Missing Third Party Fraud Report Missing Third Party Fraud Report | 09/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50742 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal Waiver. TPV is required, XXX to order. |  |  | AVM received - within tolerance - cleared; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal Waiver. TPV is required, XXX to order. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50743 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50743 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Provide Lender Calculator worksheet for Asset depletion income | Income Worksheet \| | 09/15/2025 | Lender provided income calculator. The asset documentation in file supports the asset depletion income calculated by Lender. Condition cleared. | 09/16/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50743 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided; Missing Third Party Fraud Report Provide Third Party Fraud Report | 09/11/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50744 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50744 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50744 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is XXX. TPV is required. XXX to order. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50745 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50745 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50746 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence the business has been inexistence for a minimum of XXX years. If unable to provide, must provide business and personal tax returns for the most recent two years to include the XXX 1120s with all pages, fully legible and the XXX K1/w2 for B1 and B2. | BUSINESS INCOME DECLINED IN XXX AND XXX RETURNS NOT RERQUIRED PER ICP194, XXX AND XXX DOCS UPLOADED. | 09/19/2025 | Condition cleared as we have received evidence of existence of XXX years for the business. ; Income and Employment Meet Guidelines | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50746 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | ; Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50746 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50746 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared. | 09/15/2025 | Third Party Fraud Report is provided | 09/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50747 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50747 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50747 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50747 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50748 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | XXX - both borrowers | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Lender agreed with audit for NMLS - cleared - Condition retained for ULI discrepancy ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender agreed with HMDA. Condition cleared.; Lender agreed with audit for NMLS - cleared - Condition retained for ULI discrepancy ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50748 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50749 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50749 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |  |  | Lender agreed with Audit - condition cleared; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50749 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50750 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | XXX | 09/30/2025 | Lender provided valid ULI of XXX. Condition cleared.; Lender provided valid ULI of XXX. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided valid ULI of XXX. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/02/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50750 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/02/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided lease submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, n0 level XXX discrepancies, condition cleared. ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third pary fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product. |  |  | Third party valuation product provided within tolerance. | 09/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50753 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50753 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The LPA approved loan with an appraisal waiver through XX/XX/XXXX. Exception is invalid. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | XXX obtained - within tolerance - cleared; Third party valuation product provided within tolerance. | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX per URLA | 09/30/2025 | Condition cleared as lender agrees with audit. ; Condition cleared as lender agrees with audit. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Condition cleared as lender agrees with audit. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | The ULI# XXX | 09/17/2025 | Lender provided valid ULI of XXX. Condition cleared.; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE9184 | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing evidence of lenders ULI number. | The ULI# XXX | 09/17/2025 | Lender provided valid ULI of XXX. Condition cleared.; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |  |  | Lender agreed with audit - condition cleared ; Material Finding | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal Waiver. CU is missing. TPV is required. XXX to order. |  |  | AVM received - within tolerance - cleared | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. This will remain a non material B grade. DU Accepted the value as submitted. Appraisal Waiver. An Appraisal is not required. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50760 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm will order |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. ok; Third party valuation product provided within tolerance. | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50760 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report DD firm will order | Fraud Report received with no red flags. Condition Cleared. | 09/22/2025 | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50760 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Standard Condition |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50760 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. B Grade |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with ULI of XXX. Condition cleared. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender ULI missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | PCCD, ALTA | 09/18/2025 | Condition cleared as hazard date meets the disbursement date. ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50762 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50762 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50762 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50763 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Taxes for all REO properties are missing. Please tax certs for all REO Properties listed on 1003 as XXX properties. | "THE PROPERTY PROFILES, XXX SCH E AND MORTGAGE StateMENT CONFIRMING ESCROWED PAYMENT THAT WERE INCLUDED IN THE ICP HAD PROPERTY TAX INFO. \| \| 1003 REO PROP TAX PGS: PRIMARY XXX XXX (PROP PROF). XXX XXX (PROP PROF). XXX XXX (PROP PROF) AND MTG STMT XXX CONF ESC PMT. XXX XXX (PROP PROF). XXX XXX (PROP PROF). XXX XXX (PROP PROF). XXX XXX (PROP PROF)." | 09/18/2025 | Audit reviewed Lender's response and has determined the tax return schedule E and the property XXX report is in the file verifying taxes on REO properties. Condition rescinded. | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50763 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50763 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50764 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence of monthly rent for XXX XXX closing simultaneously. Comparable rent schedule not provided. | XXX XXX | 09/19/2025 | Lender provided rental income documentation. Condition cleared.; Income and Employment Meet Guidelines | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50764 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing verification for monthly taxes amount for XXX. | XXX XXX | 09/19/2025 | Lender provided documentation for monthly taxes amount for XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50764 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50765 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX%. XXX calculated rent income from XXX $XXX\*XXX%=$XXX. Lender used XXX% of rental income off of XXX Audited DTI of XXX% exceeds AUS DTI of XXX%. XXX calculated rent income from XXX $XXX\*XXX%=$XXX. Lender used XXX% of rental income off of XXX | The lender and XXX used XXX% vacancy factor for subject XXX property, resulting total subject negative net rental XXX which is accounted for in total debts. We have provided income tool for verification of rental income analysis. | 09/17/2025 | Audit reviewed Lender's response and has determined audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50765 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50765 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50766 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines YTD earnings reflected on WVOE do not support monthly base of $XXX. Missing evidence of recent pay increase. | I agree that the base income is high. The borrower did receive a raise from XXX to XXX but this doesn't explain the low YTD. I recalculated income and I think we can make it work and remain within tolerance. \| - XXX mos avg base XXX \| - XXX mos avg overtime XXX \| - XXX mos avg other XXX (we used a figure of $XXX) | 09/19/2025 | Audit reviewed Lender's response and re-calculation of income and has determined the WVOE supports the total income used on the most current AUS. Condition cleared.; Income and Employment Meet Guidelines | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50766 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50766 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50767 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW utilized, this will remain a non material B grade. |  |  | Acknowledged - PIW Loan - BAML Approved - not identified on Tape.; PIW not disclosed on bid tape; there waiver not permitted. | 10/27/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50767 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50767 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50767 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure. | Document Uploaded. | 09/29/2025 | Condition cleared as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1155 | Credit | Subject on Note does not match Insured | Subject Property on Note does not match Insured Property of insured is listed as XXX XXX vs actual of XXX XXX. please submit correct hazard declarations address. | HOI | 09/24/2025 | Condition cleared as we have received updated address on hazard declarations. ; Subject Property on Note matches Insured | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. AUS approved PIW, SPF XXX present. This will remain a non material B grade. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50769 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50769 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50769 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50770 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50770 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50771 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50771 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50771 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | ; Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50773 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50773 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50774 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50774 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50774 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50775 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50775 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50775 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50776 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50776 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50777 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50777 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per guidelines a Third Party Fraud Report is required |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50778 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50778 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE1319 | Credit | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing Schedule E was not provided to determine net rental loss. Please provide Schedule E for review to determine accuracy of net rental loss. | XXX XXX - On Schedule E \| XXX XXX - On Schedule E \| XXX XXX - Sold \| XXX XXX - lease in credit package \| XXX - lease in credit package \| XXX XXX - lease in credit package \| XXX XXX - qualified full expenses \| XXX XXX - qualified full expenses ; Audit reviewed Lenders response, however; XXX XXX and XXX with a 3rd property that was not listed on 1003 (XXX XXX) that shows rental income received (Please advise). The following lease agreements are required to determine net rental gain or loss: XXX, XXX, XXX XXX. Additional conditions may apply. Condition remains.; Please see attached income worksheet, XXX tax extension and XXX | 09/25/2025 | Borrower 1 Personal Tax Returns Provided Lender provided tax returns, lease agreements, and income calculator. Condition cleared.; | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50778 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Condition cleared as we have received the missing Fraud report with no red flags. ; Third Party Fraud Report is provided | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50778 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Acknowledged | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Approved AUS DTI is XXX% (LP). Tape DTI is XXX. XXX is MAX DTI of XXX% Client may approve an exception waiver - waiver requests must be submitted to XXX | AUS previously provided | 09/24/2025 | Lender granted DTI exception. Condition downgraded to B.; Finding remains as this requires an approval from BAML. Audited DTI of XXX% exceeds AUS DTI of XXX% Approved AUS DTI is XXX% (LP). Tape DTI is XXX. XXX is MAX DTI of XXX% Client may approve an exception waiver - waiver requests must be submitted to XXX | 10/10/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI; We agree with audit's value of NMLS XXX | 10/02/2025 | Lender provided valid ULI of XXX. Condition cleared.; Lender agreed with audit value for NMLS; however, did not provide verification of ULI. Condition retained.; NMLS - Lender agreed with audit - cleared. Condition retained for ULI discrepancy; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. Additionally, HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI). | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Loan is short to close. Please submit sufficient funds to cover funds to close. Missing evidence of the secured funds loan of XXX | Assets | 09/30/2025 | Lender provided verification of XXX of loan from retirement account. Condition cleared.; Funds are found to meet guidelines. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure or confirmation the lender has no affiliates. | AfBD | 09/30/2025 | Required Affiliated Business Disclosure Documentation Provided; Material Finding | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A B | A B | A B | A B | A |
| GCAT2025INV50780 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation to support Insurance, taxes, HOA dues, etc. to support XXX additional expense not escrowed in the mortgage for XXX Edgewood. The full PITIA included in the DTI is $XXX. | Condition cleared as we have received evidence of the taxes and insurance, DTI recalculated and DTI meets guidelines. ; Please see attached tax and HOI verification. The total is XXX which is XXX higher than the figure used to qualify. However, the adjusted DTI is only XXX% which is within tolerance. | 09/25/2025 | Borrower 1 Credit Report is not partially present. | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50780 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50780 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50781 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). Please provide evidence Borrower received Appraisal within required XXX days prior to consummation | Appraisal delivery | 09/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50781 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per Guidelines a Third Party Valuation is required when there is no CU score available for XXX's less than XXX stories or greater than XXX Stories. DD firm will order |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50781 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50781 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50782 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business Disclosure | 09/18/2025 | Resolved as we have received evidence of no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 09/23/2025 | D A B C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50782 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50782 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50782 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | D A B C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50782 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50783 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50783 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50783 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50784 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50784 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50784 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50785 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures on XX/XX/XXXX. | E consent | 09/08/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 09/10/2025 | C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50785 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 09/10/2025 | C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50786 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX%. XXX included the XXX lease auto payment in liabilities. Lender excluded the lease with no proof it is paid off | Finding is not valid - LENDER PROVDED XXX TAX EXT, XXX RETURNS WITH XXX SCH E CONFIRMING PROP MGMT AND LENDER LOE | 09/17/2025 | Audit reviewed Lender's response and has determined verification the Lease payment of XXX is paid by other is in the loan file on page XXX and XXX bank Statement and a Statement history reflecting XXX months payments made to lease was paid by Borrower's daughter. Audit re-calculate DTI of XXX% is within tolerance of the AUS approved DTI of XXX. Condition rescinded. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50786 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50787 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50787 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Third party valuation product provided within tolerance. | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50788 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50788 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50788 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50789 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50789 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50789 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | D A B C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50789 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50790 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Collateral Desktop Analysis/Third Party Valuation. CU Risk Score is XX/XX/XXXX that exceeds the XX/XX/XXXX investor overlay maximum. DD Firm will order. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50790 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50791 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50791 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50792 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. | Please provide clarification on this finding. It was cleared previously and now reopened. Thank you | 10/07/2025 | Third party valuation product provided within tolerance.; ; Third party product provided. Value supported. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50792 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit ULI XXXvs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit ULI XXXvs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50792 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA received - no level XXX discrepancies - condition cleared ; HMDA data received, additional discrepancy finding added. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50793 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50793 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, discrepancy condition created. ; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50793 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50794 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50794 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50795 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50795 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50796 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50797 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50798 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50798 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50799 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | ; Condition resolved as lender agrees with audit. ; Condition resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Condition resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50799 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50799 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Third party valuation product provided within tolerance. | 09/30/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50800 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50800 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50801 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing The Letter in the file from XXX is not from a third party such as the accountant that prepares the business tax returns, he States he is the Chief Financial Officer but is not listed on the XXX business search as an employee of the company. The borrower's K1 does not provide sufficient information to establish percentage of ownership. The Borrower XXX indicate he filed as W2 wages, in XXX he filed a K1 partnership an explanation for the change in filing status was not found. Lender to provide a letter from the CPA who prepares the Business Returns verifying percentage of ownership and reason for change in how the borrower was paid from XXX to XXX. Lender to provide evidence CPA is actively licensed. | Please see attached | 10/07/2025 | Lender provided email correspondence and WVOE from business verifying Borrower is a managing member with guaranteed payments, which supports the K-XXX in file. The K-XXX reflects Borrower has XXX% capital ownership. Condition cleared.; Borrower 1 CPA Letter Provided | 10/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50801 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The dwelling coverage is not sufficient to cover the principal loan amount of XXX Lender to provide an increased policy or a replacement cost estimator. | HOI | 10/06/2025 | Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. Insurance coverage of XXX is sufficient to cover the replacement cost estimate of $XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50801 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A Third Party Valuation is required, provide a current AVM. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50801 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50802 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50802 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50803 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50803 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50804 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance.; ; | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50804 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50804 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Rescinded | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | ; | 09/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50805 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide Third Party Valuation Product Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50805 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50806 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50807 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50808 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | Agreed - XXX | 09/30/2025 | Condition cleared as lender agrees with Audit. ; Condition cleared as lender agrees with Audit. ; Material Finding; Condition cleared as lender agrees with Audit. ; Material Finding | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50808 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50809 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50809 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned document consent form is missing dated XX/XX/XXXX or before. | consent | 09/17/2025 | Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided.; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50810 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | Flood policy | 09/22/2025 | Condition cleared as we have received the missing flood policy. ; Flood Insurance Policy is fully present | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50810 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCRE1364 | Credit | Borrower 2 Executed XXX-T Missing | Borrower 2 Executed XXX-T Missing Missing the signed XXX or alternate forms for both borrowers. | XXX \| | 09/18/2025 | Lender provided XXX Condition cleared.; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing Missing the signed XXX or alternate forms for both borrowers. | XXX | 09/18/2025 | Lender provided XXX Condition cleared.; Borrower 1 Executed XXX-T Provided | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business disclosure and evidence it was sent tot he borrower within XXX business days of application XX/XX/XXXX. | Affiliated Business Disclosure | 09/18/2025 | Lender provided Affiliated Business Disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide evidence the HOCC and evidence it was sent to the borrower within XXX business days of application XX/XX/XXXX | Homeownership Counseling & tracking | 09/18/2025 | Lender provided Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). | Appraisal delivery | 09/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50811 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. |  |  | Lender agreed with Audit - condition cleared; Material Finding | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50812 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50813 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50813 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50813 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50813 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50814 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| GCAT2025INV50814 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing | Provided in original upload | 09/16/2025 | Condition cleared as we have received the missing disclosure.; Escrow Waiver is Present or Not Applicable | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| GCAT2025INV50815 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50815 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50816 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Rescinded | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard declarations page for subject does not reflect annual amount. HOI invoice was not provided. Missing documentation to support the monthly HOI used by lender for the REO property as the documenation provided supports a monthly amount of $XXX. | Invalid - all docs were provided in original upload - SUBJ HOI PREMIUM XXX. REO XXX XXX HOI XXX, XXX AND XXX BRW LOE XXX CONFIRMS PROPERTY HAS THREE POLICIES. | 09/18/2025 | Rescinded as the policy amount was listed on an email page not located on the declaration. ; Hazard Insurance Policy is fully present | 09/23/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50816 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50816 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50817 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. MISSING MORTGAGE Statements for the borrowers primary and REO that is not the subject property. | Condition cleared as we have received verification of mortgage for the properties in question from lender. ; Please see attached | 09/25/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50817 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50817 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared; Third Party Fraud Report is provided | 09/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50818 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX | No claims | 10/09/2025 | PCI provided confirming no damages. Exception waived, final grade will be a B.; Lender provided an attestation of no insurance claims between XX/XX/XXXX and XX/XX/XXXX. Please provide verification from insurance agent. In addition, BAML must approved downgrade of finding. Condition retained. | 10/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50818 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50818 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50819 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX primary resident income is higher XXX per Mortgage stmt, tax bill and HOI. Lender only used PR PI XXX they left out the taxes and HOI. Per mortgage Statement they are not escrowed. | Revised XXX 1003 and AUS | 10/03/2025 | Lender provided updated 1003, XXX and AUS approving DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 10/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50819 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Third party valuation product provided within tolerance. | 10/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50819 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50819 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50819 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. B-Grade - Appraiser waiver |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50820 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50820 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50821 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Closing date of loan is XX/XX/XXXX, Disbursement date is XX/XX/XXXX. Lender to provide evidence policy coverage was effective prior to or by XX/XX/XXXX. | Invalid - The disbursement date on the PCCD is XX/XX/XXXX and the HOI effective date XX/XX/XXXX | 09/17/2025 | Lender provided PCCD reflecting disbursement date of XX/XX/XXXX. The hazard insurance effective date date of XX/XX/XXXX is prior to the disbursement date of XXX//XXX/XXX. Condition cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50821 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50821 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with Audit - condition cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50822 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm will order |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50822 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50823 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50823 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding added. ; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50824 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | completion | 09/25/2025 | Condition cleared as we have received the completion report. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50824 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is > XXX. TPV is required. XXX to order. |  |  | Third party valuation product provided within tolerance. | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50824 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50824 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50825 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Rescinded | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Invalid - Post CD reflects a disbursement date of XX/XX/XXXX and the HZ effective date XX/XX/XXXX | 09/17/2025 | Audit reviewed Lender's response and has determined the hazard insurance effective date of XX/XX/XXXX is prior to the disbursement date of XX/XX/XXXX and the same day as closing of XX/XX/XXXX. Condition rescinded.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50825 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50826 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceeds AUS of XXX% (LP) due to rounding. Tape DTI is XXX% | AUS AND UPDATED INCOME TOOL UPLOADED. | 09/17/2025 | Lender granted DTI exception. Condition downgraded to B.; Audit reviewed Lenders response, however Client overlay MAX DTI is XXX% Client may approve an exception waiver - waiver requests must be submitted to XXX | 10/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50826 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. Additionally, Audit NMLS is XXX VS Lenders NMLS missing. Lender may agree with audit value or provide documentation to support value. | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Lender agreed with audit for NMLS - cleared - Condition retained for ULI discrepancy ; Material Finding; Lender agreed with HMDA. Condition cleared.; Lender agreed with audit for NMLS - cleared - Condition retained for ULI discrepancy ; Material Finding | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50826 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50827 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower's XXX,& XXX missing Third Party Verification of Business and Verbal Verification of Employment for XXX | Condition cleared as we have received evidence of all VOE and business ownership for the borrowers. ; XXX does not have ownership stake in XXX - He has a wage earner job at the XXX per the Final URLA - All VOE's previously provided attached | 09/30/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50827 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per Lender's guidelines Third Party Fraud Report required |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50827 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50828 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50828 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50829 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). | Appraisal delivery | 09/22/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| GCAT2025INV50829 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| GCAT2025INV50829 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| GCAT2025INV50830 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130B Cure Required - Refund in the amount of XXX Appraisal fee increased from XXX to XXX on XX/XX/XXXX without valid COC. Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc | cure | 10/02/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal curtailment and Finance History verifying principal reduction of XXX was applied to the loan. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal curtailment and Finance History verifying principal reduction of XXX was applied to the loan. Cured post close, loan will be graded a B. | 10/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50830 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50830 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50830 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| GCAT2025INV50831 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Rescinded | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX | Finding Invalid. We used funds from and Frost accounts, which verify sufficient funds to cover reserves requirements per AUS. \| \| Uploaded Asset tool that verifies the assets used to cover reserves requirements. We used funds from and Frost accounts, which verify sufficient funds to cover reserves requirements per AUS. Please see HELOC advance XXX deposited to Frost Business account. Uploaded Asset Income tool for verification. | 09/19/2025 | Audit reviewed Lender's response and has determined audit assets are sufficient for cash to close and reserves. Condition rescinded.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50831 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Disagree | 09/18/2025 | Audit reviewed Lender's response and has determined audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50831 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50831 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50832 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Approved AUS in file DTI is XXX%. Tape DTI is XXX%. Client Overlay MAX DTI of XXX% Client may approve an exception waiver - waiver requests must be submitted to XXX |  |  | BAML approved DTI as it is within the XXX% tolerance and inline with Tape/AUS DTI reported - condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50832 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing | Escrow Waive | 09/18/2025 | Condition cleared as we have received the missing escrow waiver. ; Escrow Waiver is Present or Not Applicable; | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50832 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Rescinded | FCOM1691 | Compliance | Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided (Disclosure Page v2) | Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided. | Invalid request - this applies only to consumer credit transactions where a person agrees to be secondarily liable for a debt and does not receive a benefit from the loan. | 09/19/2025 | Condition rescinded as disclosure not required for this transaction. ; Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was provided.; | 09/23/2025 | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50832 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50832 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| GCAT2025INV50833 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50833 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of XXX% exceeds AUS CLTV of XXX% | Revised AUS | 09/25/2025 | Condition cleared as we have received updated AUS from lender. ; Audited LTV of XXX% is less than or equal to AUS CLTV of XXX% | 09/30/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1189 | Credit | Audited HCLTV Exceeds AUS HCLTV | Audited HCLTV of XXX% exceeds AUS HCLTV of XXX% |  |  | Condition cleared as we have received updated AUS from lender. ; Audited LTV of XXX% is less than or equal to AUS LTV of XXX% | 09/30/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1188 | Credit | Audited CLTV Exceeds AUS CLTV | Audited CLTV of XXX% exceeds AUS LTV of XXX% |  |  | Condition cleared as we have received updated AUS from lender. ; Audited LTV of XXX% is less than or equal to AUS LTV of XXX% | 09/30/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/30/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50834 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50835 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50835 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50835 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Condition cleared as we have received Fraud report with no red flags. ; Third Party Fraud Report is provided | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50836 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Acknowledged | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. THe hazard insurance binders in file State the effective date as XX/XX/XXXX which is after the disbursement date. | Attestation | 09/24/2025 | PCI and attestation provided - BAML approved - Grade B; ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50836 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No score given by XXX and not eligible under XXX. |  |  | Third party valuation product provided within tolerance.; | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50836 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report is missing from file. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50836 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50837 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per Lender's guidelines Third Party Fraud Report is required for all loans |  |  | Fraud Report received with no red flags. Condition Cleared.; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50837 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50838 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50838 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender to provide Third Party Fraud Report |  |  | Third Party Fraud Report is provided | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exception. Maximum for 2nd home is XXX% LTV. | Please cancel condition. - Per the Agency Eligible 2nd Home guidelines from XX/XX/XXXX, Max LTV is XXX%. | 09/15/2025 | Condition rescinded as loan meets the LTV guidelines. ; Audited LTV of XXX% is less than or equal to Guideline LTV of XXX%; Audited LTV of XXX% exceeds Guideline ##XXX## | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Desk Review per BAML overlays. |  |  | Third party valuation product provided within tolerance. | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX XXX. Additional conditions may apply. | Please find the attached property detail report confirming single family detached - NOT part of any XXX or Community that would require HOA dues. Thank you. | 09/17/2025 | Condition cleared as we have received evidence of no HOA dues. | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title to show XXX loan amount. | Updated title report with sufficient policy coverage. | 09/17/2025 | Condition cleared as we have received the correct title policy amount. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: Only E-consent found in file is dated XX/XX/XXXX pages XX/XX/XXXX and others on pages XXX and XXX show Pending. Per 1003, ITP and Initial LE earliest E-signature is XX/XX/XXXX. Please provide E-consent on or prior to XX/XX/XXXX. | Doc pkg audit report - XX/XX/XXXX | 09/12/2025 | Condition cleared as we have received the missing E-Consent within XXX days of application date. ; Evidence of eConsent is provided.; Material Finding | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50839 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50840 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE0148 | Credit | FEMA Declared Disaster - For Information Only | FEMA declared XXX County in a disaster area(Severe Storms) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal in the file is dated XX/XX/XXXX with mention of NO damage from those storms. Exception is for informational purposes only. |  |  | Exception is for informational purposes only.; Material Finding; Material Finding | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50840 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Rescinded | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Lender to provide satisfactory explanation as to why this loan was done as a N/O/O Purchase when borrowers are living in the property for XXX yrs. May be subject to additional conditions. | Full AUS | 09/25/2025 | AUS is not incomplete Audit reviewed Lender's response and has determined the Borrower's XXX is XXX Falcon Hill and subject property is XXX Falcon Hill, which is next door to Borrower's primary and reason subject property is considered an XXX purchase. Condition rescinded. | 09/26/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50840 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50840 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50841 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50842 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Property taxes on the subject property used to qualify is XXX a month, based on taxes reported on the Title Commitment are XXX a month. DTI on Final DU Findings are XXX% and increased to XXX% exceeds guideline threshold of XXX% | FINDINGS ARE CORRECT HOWEVER, PROPERTY TAX AMOUNT USED IS SUFFICIENT PER SMART ASSETS @ XXX per month. TAX CERT UPLOADED ALIGNS WITH PRELIM TITLE. INCOME TOOL WAS REVISED WITH GREATER PITI. LOAN WAS QUALIFIED WITH XXX% DTI PER AUS. ADDITIONAL PROP TAX WITHIN XXX% AND REVISED AUS NA. FINAL DTI CALC XXX%. REVISED TOOL, TAX CERT AND AUS WERE UPLOADED. | 09/17/2025 | BAML approved DTI as it is within the XXX% tolerance and inline with Tape/AUS DTI reported - condition cleared.; Audit reviewed Lender's response and has determined audit DTI remains as XXX%. Lender agreed with final DTI of XXX%; however, uploaded an AUS with approved DTI of XXX%. The audit DTI of XXX% and the AUS DTI of XXX% both exceed maximum client overlay allowable of XXX%. Condition retained. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50842 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The source document for deposit of XXX on XX/XX/XXXX into account ending in XXX was not found in the file. Provide updated Statement from XXX account XXX verifying liquidation and wire out of funds. | The LD of XXX was backed out from total balance used from XXX account XXX, and the XXX account analysis analysis is accurate. Please review our Asset Tool. | 09/19/2025 | Condition cleared as we have received evidence of sufficient assets for the Account and XXX account. ; Asset Record XXX Meets G/L Requirements | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50842 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50842 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender to provide a Third Party Fraud Report with all High Alerts cleared. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50843 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. | 09/17/2025 | HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50843 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Third party valuation product provided within tolerance. | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50844 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50844 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50845 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50845 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50846 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Rescinded | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide rent loss insurance coverage | I am not aware of a FNMA requirement for rent loss insurance coverage. Could you please point it out for me? Thanks! | 09/25/2025 | Rescinded as not an overlay. ; Rent Loss Coverage Present | 09/30/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50846 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50846 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete - Other finding added. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50846 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agreed with audit - condition cleared ; Material Finding; The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50847 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50848 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50849 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Missing replacement cost estimate for the subject property or declarations page reflecting sufficient coverage at a minimum of the loan amount. | RCE; Invalid findings - Quote Proposal in file includes replacement cost. Coverage is XXX with a premium of $XXX. Final policy pg XXX of ICP reflects same coverage and premium. Docs uploaded. | 10/09/2025 | Lender provided reconstruction estimator reflecting reconstruction estimate of $XXX. Insurance coverage of XXX is sufficient to meet reconstruction estimate of $XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The finding remains as the declarations page does not verify the extended replacement coverage amount. Only shows there is extended coverage. | 10/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50849 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50850 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50851 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Condition resolved as lender agrees with audit. ; Condition resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Condition resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | D A B | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50851 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, data discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50851 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50852 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50852 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50853 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage Statement for XXX XXX was not provided for review. Please submit mortgage Statement for accuracy of obligations. | Findind NOT Valid. Mortgage for XXX on bank Statement on page XXX Property taxes on page XXX insurance on page XXX All docs are in the file and it appears per public record no Hoa dues | 09/18/2025 | Lender provided PITI documentation. Condition cleared. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50853 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please submit Third Party Valuation Product Not Provided. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50853 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50854 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50854 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/17/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50855 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50855 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures on XX/XX/XXXX. | eConsent | 09/16/2025 | Condition cleared as we have received the e-consent from lender.; Evidence of eConsent is provided. | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Lender to provide a CPA letter stating that the attachment labeled as "Schedule E detail" in lieu of an actual Schedule E worksheet is an actual document that is part of the tax return submitted to the IRS for XXX of the XXX properties listed as rentals. In addition, CPA to confirm the actual addresses of the properties that are listed on the standard Sch E worksheet that is provided in the XXX tax returns as they only State a city and State on them. This must come from the CPA and not from the borrower. Additional conditions may apply. XXX Lender to provide XXX extensions for ALL personal and business returns or provide XXX tax returns for analysis. Additional conditions may apply. XXX Lender to provide satisfactory explanation and documents if necessary to explain $XXX check to XXX noted as a "XXX". Check is made to construction company and is seen in XXX personal account ending in XXX Additional conditions may apply. XXX Borrower letter to State no new accounts for XXX, XXX(other then this purchase) as they are not addressed on the inquiry letter in file. XXX Final 1003 shows that property at XXX XXX has a mortgage with XXX with a PITIA of XXX per month but there is no rating or proof of this in file. Lender to provide confirmation and documents. XXX There is an open mortgage on the credit report for XXX listed under liabilities on the Final 1003(it was not added in anywhere) and not listed with any property on the 1003. On the LP approval it is requesting to show paid off. Lender to satisfactorily address and document. Additional conditions may apply. XXX There is a XXX stmt in file account ending in XXX that is listed on other Final 1003 under liabilities with a small balance but is some type of credit line that is not addressed or attached to any property. Lender to address this. This loan is subject to full analysis once all conditions are provided. | Per email from LO, please find the attached property docs for the new spec house - which has been added to the REO/DTI. Also note, the XXX/1003/DU have been updated to include this new property, as well as omit x2 auto loan payments with XXX which are paid thru the business (XXX stmnts provided) - along with the inclusion of rental income for the subject property, per the appraisal market rents. Comments have been added to the XXX to outline the changes made as well. DTI is now XXX%.; The XXX acct #XXX is a PERSONAL line of credit, it's not attached to any property. - Also attached are the documents from the new XXX to support the XXX monthly payment and payoff of XXX.. he LOE for the $XXX check is pending.; The XXX acct #XXX is a new personal line of credit that was opened as a result of the credit inquiry in XXX. | 10/01/2025 | Lender provided verification of PITIA for property XXX XXX for explanation of large check, which was for a new property. In addition, Lender provided XXX months business bank Statements verifying business makes payments for the XXX installment / auto loans with XXX updated 1003, XXX and AUS that includes the PITIA for the additional property, omission of the XXX installment loans and adjusted rental income from the form 1007 for subject property and updated approved DTI of XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS DTI of XXX%. Condition cleared.; Income and Employment Meet Guidelines; Audit provided 1st payment letter and Closing Disclosure verifying the new XXX supporting payment of XXX and payoff of XXX. Lender indicated the LOE for the XXX check is pending. Audit will review documentation for the XXX check once provided. Condition retained.; Lender provided a breakdown of the schedule E signed by the Borrower, which matches the total income reflected on the schedule E and confirms the breakdown of expenses for each property. Lender also provided XXX tax extension for personal and business return. In addition, Lender provided a LOE for credit inquiries, which reflects no new debt for XXX and indicated a new account opened with XXX, which was included in the total debt obligations. The XXX Statement verifies a balance of XXX and an amount due of XXX Lender included an amount of $XXX. Please provided LOE and documentation to explain XXX check to XXX noted as a XXX, verification of new mortgage with XXX verifying PITIA of XXX and payoff of the XXX and verification which property the XXX account ending in XXX is attached to. Condition retained.; Income and Employment Do Not Meet Guidelines XXX Lender to provide a CPA letter stating that the attachment labeled as "Schedule E detail" in lieu of an actual Schedule E worksheet is an actual document that is part of the tax return submitted to the XXX for XXX of the XXX properties listed as rentals. In addition, CPA to confirm the actual addresses of the properties that are listed on the standard Sch E worksheet that is provided in the XXX tax returns as they only State a city and State on them. This must come from the CPA and not from the borrower. Additional conditions may apply. XXX Lender to provide XXX extensions for ALL personal and business returns or provide XXX tax returns for analysis. Additional conditions may apply. XXX Lender to provide satisfactory explanation and documents if necessary to explain $XXX check to XXX noted as a "XXX". Check is made to construction company and is seen in XXX personal account ending in XXX Additional conditions may apply. XXX Borrower letter to State no new accounts for XXX(other then this purchase) as they are not addressed on the inquiry letter in file. XXX Final 1003 shows that property at XXX XXX has a mortgage with CCM with a PITIA of XXX per month but there is no rating or proof of this in file. Lender to provide confirmation and documents. XXX There is an open mortgage on the credit report for XXX listed under liabilities on the Final 1003(it was not added in anywhere) and not listed with any property on the 1003. On the LP approval it is requesting to show paid off. Lender to satisfactorily address and document. Additional conditions may apply. XXX There is a XXX stmt in file account ending in XXX that is listed on other Final 1003 under liabilities with a small balance but is some type of credit line that is not addressed or attached to any property. Lender to address this. This loan is subject to full analysis once all conditions are provided. | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3860 | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (LP) with an application date of: (XX/XX/XXXX) which is after March XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. SCIF do was not provided and is required. | Completed SCIF | 09/17/2025 | This Supplemental Consumer Information Form is Present.; This loan is an Risk Assesment is: (LP) with an application date of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. SCIF do was not provided and is required. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE7247 | Credit | Missing AUS Findings | Rerun AUS due to LP approval message : "Unable to assess rental income on the properties because the combination of Property Usage Type and Financed Unit Count is not eligible for assistance at this time. " | This is a DU loan - please find attached Final XXX and DU findings. | 09/17/2025 | Condition cleared as we have received the DU findings and updated XXX | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50856 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of taxes and insurance on the property at XX/XX/XXXX as the mortgage Statement doesn't break out taxes and insurance. Also taxes on the property at XXX. Lender to provide proof that the property at XXX PITI payment on the mortgage stmt includes taxes and insurance as it doesn't show it on the mortgage Statement from /XXX. Additional conditions may apply. | Please see attached. Property located at XXX is a commercial property (apartments). | 09/17/2025 | Condition resolved as we have received evidence of the T&I for the REO's. | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50857 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50857 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50858 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Lender to address the following issues regarding asset documentation in the file: - File does not contain evidence of percentage of ownership in XXX required by FNMA guidelines. Lender to provide tax documents verifying percentage of ownership - Final CD requires XXX (EM not sourced) to close and reserves required are XXX totaling XXX funds to be verified, Lender to provide evidence XXX cleared the borrower's account and/or assets sufficient to cover reserves (Letter regarding XXX is a XXX time distribution) - Lender to provide paper trail for deposit of distributed funds to borrower's personal account - XXX account cannot be used as an asset or reserves on the 1003, the borrower/owner has Stated the only funds available are a XXX time distribution | The XXX business account XXX is owned by XXX (B1) per the letter from XXX representative. This gives borrowerr XXX% access to the account, and therefore we can use the total balance for total funds needed to close. Additionally. income from the business is not being used to qualify and we do not need CPA letter. | 09/23/2025 | Lender provided Asset ownership documentation. Condition cleared.; Asset Record XXX Meets G/L Requirements | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50858 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A Third Party Valuation is required, provide a current AVM. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50858 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50859 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50859 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Rescinded | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide rent loss insurance coverage | Invalid request - this is not a GSE requirement and has never been a finding | 09/17/2025 | Audit reviewed Lender's response and has determined insurance in file is sufficient. Condition rescinded.; Rent Loss Coverage Present | 09/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50860 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing B2 Wage-Earner Verbal Verification of Employment XXX Days Prior to Closing for XXX. for employment as a customer Representative: The Verbal Verification of Employment dated XX/XX/XXXX States that the Manager (B1/owner of the company) confirmed that B2 is an active employee as a Customer Representative, as Stated on the Final 1003. However, the Employer name is Stated as "XXX." This company name is not mentioned in any other documentation. This business name should be shown as an aka or affiliated part of XXX. to make this VVOE valid. | Please see attached VOE. It is dated post-closing however the Agencies do allow post-close VOE's. The borrower was a previous owner of XXX. and we do have verification of that business dated pre-close.; Final URLA - No mention of XXX | 10/17/2025 | Lender provided VVOE dated post closing for Borrower 2, which meets AUS and FNMA requirements. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Audit reviewed Lender's response and has determined a VVOE for Borrower 2 with XXX dated within XXX business of the Note date was not provided and not found in file. Condition retained. | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50860 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50860 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Acknowledged | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Missing Hazard insurance with effective date of closing, XX/XX/XXXX. | Attestation | 09/24/2025 | PCI and attestation provided - BAML approved - Grade B; ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/19/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value - ULI XXX | 09/24/2025 | ; Lender agrees with audit, condition cleared. ; Lender agrees with audit, condition cleared. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agrees with audit, condition cleared. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received, additional discrepancy finding noted. ; HMDA Data Tape Provided. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product |  |  | AVM received - within tolerance - cleared | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50861 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. This will remain a non material B grade. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50862 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 09/22/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50862 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50862 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 09/19/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50863 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing explanation for Mortgage and rent payment in the amount of XXX on XX/XX/XXXX reflected on XXX Statement # XXX | agreement | 10/17/2025 | Lender provided LOE from Borrower and Lease agreement explaining the XXX rent payment. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/21/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50863 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50863 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50864 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50864 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50865 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50865 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement, or evidence of no HOA for the properties located at XXX XXX along with the hazard insurance declaration. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements ppraisal, or LOE from the borrower. Additional conditions may apply. | Escrowed hazard and HOA dues receipt | 09/19/2025 | Condition cleared as we have received evidence of the HOA and property taxes. ; Borrower 1 Credit Report is not partially present. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50866 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50867 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/22/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50867 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50868 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Missing proof of HOA for the property at XXX XXX. In addition, for the same property: Lender to provide satisfactory explanation of net loss of XXX per month using Schedule E from personal tax returns when application indicates a loss of XXX per month. Lender worksheet in file indicates a loss of XXX per month but is calculated differently then our worksheets. Alternatively if we use our calculations ratios will be at XXX% but WILL require a rerun of LP approval. Additional conditions may apply. Missing proof of P and I and HOA for XXX XXX. Lender to provide a mortgage stmt to show P&I and if impounded for tax and insurance. Tax and ins stmts are in file. Also provide proof of HOA or letter from borrower stating no HOA. Additional conditions may apply. | Mortgage Statement for XXX XXX attached; XXX XXX - Escrow Disclosure, Insruance and Tax docs attached. \| XXX XXX - this is a single family home, there would not be HOA, will provide mortgage Statement once received. \| Rental worksheet shows positive XXX which is based on rental of XXX months per tax returns, not XXX months. Net rental is XXX see attached Schedule E | 10/06/2025 | Document Uploaded. Lender provided mortgage Statement for property XXX XXX. Audit property search of property supports property does not have HOA fees. Condition cleared.; Lender provided schedule E, and mortgage Statement for property XXX XXX. In addition, Lender provided mortgage Statement for XXX XXX; however, did not provide HOA fees for XXX XXX or verification property does not have HOA fees. The audit re-calculation of rental income for property XXX XXX results in an audit DTI of XXX% which is within tolerance of the AUS approved DTI of XXX% Please provide verification of HOA fees for property XXX XXX. Condition retained. | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50868 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/17/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Missing 1120S complete returns to confirm income of XXX per month for B1. Only 1st page was provided. Subject to confirmation after calculation. Additional conditions may apply. | Business Tax Returns attached | 09/19/2025 | Condition cleared as we have received the missing 1120S returns for the borrower. ; Borrower 1 Business Tax Returns Provided | 09/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50868 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50868 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/17/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Flood cert was not provided in the file. and is required. | Flood Cert attached | 09/19/2025 | Condition cleared as we have received the missing flood certification. ; Flood Certificate is fully present | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50868 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 09/17/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report 3rd party fraud report was not provided in the file and is a required document. | Fraud Report attached | 09/19/2025 | Condition cleared as we have received the Fraud report with no red flags. ; Third Party Fraud Report is provided | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50869 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | please provide more details for this condition. not sure what this is referring to. thanks! | 09/25/2025 | Condition cleared as we have received the TPV that meets valuation requirements. ; Third party valuation product provided within tolerance. | 09/30/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50869 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50870 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per business search, the borrower's business "XXX" has a dissolved status, however income was used from the business. Please provide LOE for the discrepancy. | Please see attached | 10/08/2025 | Lender provided email correspondence indicating the LLC was dissolved and Borrower is operating as an independent contract, which is supported by the schedule C in file. Condition cleared.; Income and Employment Meet Guidelines | 10/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50870 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX and XXX are owned free and clear. Missing insurance policy and HOA Statement for the properties XXX and XXX. If not applicable, a LOE stating there are no HOA dues and/or insurance is required. | Please see attached | 10/08/2025 | Lender provided LOE form mortgage companies, with translations verifying properties XXX and XXX are owned free and clear. Lender also provided tax and HOA information for both properties. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50870 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Purpose is XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Audit loan purpose is purchase vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Audit loan purpose is purchase vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50870 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50870 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50871 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agreed - XXX | 09/30/2025 | Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Audit ULI XXX vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50871 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50871 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/24/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50872 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50873 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50873 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/17/2025 | Resolved | FVAL1310 | Property | Missing HOA/XXX Certification | AUS reflects a monthly HOA fee of XXX for the subject property. However, the appraisal in file does not show an HOA. Please provide HOA documentation or LOE. Additional conditions may apply. | Please see attached revised AUS without HOA. It appears that was added in error and the HOA is for their XXX but it is semi-annual. See attached. | 09/22/2025 | Condition resolved as we have received evidence that the HOA dues are for the XXX and not the subject. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50874 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | E consent | 09/22/2025 | Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50874 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing two most recent months bank Statement for bank account #XXX. Note: Only one month bank Statement was provided dated XXX XXX to XXX XXX Per AUS #XXX, Two months bank Statements are required. Please provide one month bank Statement dated XXX XXX to XXX XXX | XXX Statement | 09/23/2025 | Condition cleared as we have received a second month bank Statement from the lender. ; Asset Qualification Meets Guideline Requirements | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50874 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| GCAT2025INV50875 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50876 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Please provide documentation to validate housing expenses for the XXX property located at XXX | New loan, no HOA | 09/23/2025 | Lender provided final CD, 1st page of appraisal and Note for XXX, verifying PITIA for property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Please provide documentation to validate housing expenses for the XXX property located at XXX | 09/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50876 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50876 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM confidence score of XXX% is less than minimum required score of XXX% |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM confidence score of XXX% is less than minimum required score of XXX% | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50877 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50878 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application discloses a monthly expense of XXX for the XXX property located at XXX XXX, XXX for the XXX property located at XXX , and XXX for the XXX property located at XXX XXX. The credit report validates a payment of XXX which appears to be associated with XXX XXX; however, we were unable to confirm whether this amount includes property taxes and hazard insurance. The file is missing documentation to support the expenses disclosed for XXX and XXX. Please provide documentation to validate the monthly expenses for all XXX XXX properties listed above. | uploaded are all XXX properties, you can see on the LE for XXX and the mtg stmts for XXX and XXX that the payment includes taxes and insurance and States it right on the Statement. | 09/25/2025 | Condition cleared as we have received evidence of the PITIA for the XXX properties listed. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. The final application discloses a monthly expense of XXX for the XXX property located at XXX XXX, XXX for the XXX property located at XXX, and XXX for the XXX property located at XXX. The credit report validates a payment of XXX which appears to be associated with XXX XXX; however, we were unable to confirm whether this amount includes property taxes and hazard insurance. The file is missing documentation to support the expenses disclosed for XXX and XXX. Please provide documentation to validate the monthly expenses for all XXX XXX properties listed above. | 09/30/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50878 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50879 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The number of financed properties reported to the AUS is XXX however the number of financed properties is XXX A resubmission is required. | attached | 10/09/2025 | Audit reviewed Lender's response and has determined the AUS takes into account reserves for the subject property and the o total financed properties is for each other XXX or XXX financed property. The only financed property is the subject property, which the AUS does require reserves of XXX in the same bullet point message FAR0088. Condition cleared.; AUS is not incomplete; AUS Partially Provided The number of financed properties reported to the AUS is XXX however the number of financed properties is XXX A resubmission is required. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50879 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 09/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50880 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX personal tax return including all schedules. Per CPA letter, the Borrower's business, "XXX" are the same business. The business was incorporated on XX/XX/XXXX, which is less than XXX years, therefore XXX years business tax returns are required. Please provide documentation that XXX tax return was filed, as the transcript States it was not filed. | XXX on business license | 09/24/2025 | Condition cleared as we have received business license verifying at least XXX years of business inception. ; Income and Employment Meet Guidelines | 09/26/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50880 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50881 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50881 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50882 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50882 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50883 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50883 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Borrower's took out a new HELOC on their XXX. File is missing the terms and evidence of receipt of the proceeds. XXX) Missing evidence of tax, insurance and HOA or no HOA on the borrower's XXX. Additional conditions may apply. | Credit | 09/25/2025 | Condition cleared as we have received the PITIA for the XXX from the lender. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. XXX) Borrower's took out a new HELOC on their XXX. File is missing the terms and evidence of receipt of the proceeds. XXX) Missing evidence of tax, insurance and HOA or no HOA on the borrower's XXX. Additional conditions may apply. ; Borrower 1 Credit Report is Partially Present. XXX) Borrower's took out a new HELOC on their XXX. File is missing the terms and evidence of receipt of the proceeds. XXX) Missing evidence of tax, insurance and HOA or no HOA on the borrower's XXX. Additional conditions may apply. | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50883 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 09/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50884 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/24/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for initial disclosures e signed8/XXX/XXX or prior. | E Consent XX/XX/XXXX | 10/06/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding; Material Finding | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50884 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/23/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM |  |  | Condition cleared as we have received the TPV within tolerance. ; Third party valuation product provided within tolerance. | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50884 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50885 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Rescinded | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | LOX Rebuttal & Final ALTA | 10/07/2025 | Audit reviewed Lenders response and re-reviewed file. Condition rescinded.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 10/08/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50885 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50885 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50886 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm to order. |  |  | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance. | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50886 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50887 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance. | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50887 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50888 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA data received, no discrepancies noted, condition cleared. | 10/01/2025 | HMDA Data Tape Provided.; HMDA data received, no discrepancies noted, condition cleared. | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50889 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Assuming this is a HMDA finding for ZIP - your exception is not very clear - Correct ZIP is XXX - ULI is XXX | 10/01/2025 | Condition resolved as we lender agrees with audit. ; Condition resolved as we lender agrees with audit. ; If column D is correct set HMDA discrepancy finding: HMDA discrepancy noted: Audit ULI is missing vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. Additionally, Audit zipcode XXX vs Lender value XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; If column D is correct set HMDA discrepancy finding: HMDA discrepancy noted: Audit ULI missing vs Lender ULI missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. ; Condition resolved as we lender agrees with audit. ; If column D is correct set HMDA discrepancy finding: HMDA discrepancy noted: Audit ULI is missing vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. Additionally, Audit zipcode XXX vs Lender value XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; If column D is correct set HMDA discrepancy finding: HMDA discrepancy noted: Audit ULI missing vs Lender ULI missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | D A B | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50889 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 10/02/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50889 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 09/29/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50890 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |  |  | Third party valuation product provided within tolerance. | 10/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50890 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Number of financed properties are XXX however, the AUS only shows XXX Please provide a revised AUS. Additional conditions may apply. | AUS - corrected | 10/01/2025 | Lender provided updated AUS reflecting number of financed properties as XXX Condition cleared.; AUS is not incomplete | 10/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50890 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/24/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. The appraisal delivery was less than XXX days prior to consummation and the file did not contain a waiver of XXX days right to receive the appraisal | here is the signed waiver | 09/30/2025 | Condition cleared as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided. | 10/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50890 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| GCAT2025INV50891 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50891 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 10/01/2025 | Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Audit value ULI is missing vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 10/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50891 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE9184 | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing ULI number in the file. Please provide ULI number. | XXX | 09/26/2025 | Resolved and a separate HMDA condition was added. | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50891 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50892 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order CCA. |  |  | Third party valuation product provided within tolerance. | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50892 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50893 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50894 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE6101 | Credit | Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | Audited AUS Interested Party Contribution of XXX% exceeds maximum AUS interested party contribution standards of XXX% Audited AUS Interested Party Contribution of XXX% exceeds maximum AUS interested party contribution standards of XXX% | DU Findings | 10/10/2025 | Condition resolved as we have received the updated AUS lowering the purchase price by the amount of the ICP overage. ; Lender provided an updated AUS; however, it does not reflect an updated purchase price minus the excessive seller concessions. The FNMA maximum Interested Party Contributions (IPC) for XXX properties is XXX% Condition retained. | 10/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50894 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50894 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50895 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50896 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50897 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50898 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Job Gap LOE for the Borrower. Note: The Borrower was unXXX from XX/XX/XXXX to XX/XX/XXXX, which is XXX months. | Here you go | 10/07/2025 | Lender provided LOE. Condition cleared. | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50898 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The number of financed properties reported to the AUS is XXX however the borrowers own XXX financed properties. A resubmission is required. | here you go | 10/07/2025 | Lender provided Updated AUS. Condition cleared.; AUS is not incomplete | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50898 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50899 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50900 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50900 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50901 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50901 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX XXX are owned free and clear. Missing tax certificate for the properties at XXX XXX. Missing insurance policy for the property at XXX | docs upld for both properties | 10/07/2025 | Lender provided PITI documentation and Property Profiles. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50902 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50902 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50903 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 10/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 10/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50903 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 10/02/2025 | Rescinded | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Please submit Business Purpose Affidavit/Disclosure. |  |  | Meets guidleines; Business Purpose Affidavit/Disclosure Provided | 10/07/2025 | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50903 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 10/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please submit Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50903 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 10/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| GCAT2025INV50904 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. |  |  | Third party valuation product provided within tolerance. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50904 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##XXX## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Provide evidence that the borrowers received the appraisal XXX business days prior to consummation. The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | proof delivered | 10/08/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50904 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C | B C | B C | B C | B A | A | A | A | A | A |
| GCAT2025INV50905 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD firm to order. |  |  | Third party valuation product provided within tolerance. | 10/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50905 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50906 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Third Party Valuation |  |  | Third party valuation product provided within tolerance. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50906 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| GCAT2025INV50907 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 10/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50907 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 10/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| GCAT2025INV50477 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender requires an FSD score of Document Uploaded. BPO uploaded; Document Uploaded. See ARC Exception Approval, please accept as is; The appraised value on the waiver that was used for AUS and sales price was XXX AVM value came in at XXX with a low value of XXX which is more than the sales price. 08/20/2025 Third party valuation product provided within tolerance.; Exception approval can be applied to guideline violation for the AVM FSD score not meeting guidelines; however, finding will remain open/active as Rating Agency criteria is not met. Loan was originated with an appraisal waiver which requires an AVM, desktop appraisal, XXX or full appraisal that supports Stated value within XXX% If an AVM is obtained, the AVM FSD score must be XXX or less if the provider is XXX. The AVM FSD score is XXX which does not meet RA guidance.; Audit reviewed Lender's response and has determined an FSD score of 08/21/2025 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C B C A A A C B A A C A C A C A C A C A C A C A C A C A C A B A B A B A B A B A B A B A B A B A B A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50477 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | ACCEPT AS IS- PIW | 08/20/2025 | Finding Acknowledged. | 08/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50477 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50477 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| GCAT2025INV50487 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing the verification of employment within XXX days of loan closing for the borrower. Lenders also have the option obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to XXX), but when using this option must ensure compliance with the Selling Guide. | Document Uploaded. See Uploaded VVOE | 08/14/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE dated post closing, which meets AUS and FNMA requirements. Condition cleared. | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50487 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Evidence the following property is owned free and clear, such as a property profile: XXX XXX. Additional conditions may apply. | Document Uploaded. See Uploaded Policy Change information documenting mortgage deleted XX/XX/XXXX | 08/11/2025 | Audit reviewed Lender's response and has determined the fraud report and credit report supports mortgage on property XXX XXX is no longer active supporting property is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50487 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/08/2025 | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50487 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/08/2025 | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50483 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Evidence the following properties are owned free and clear, such as a property profile: XXX XXX. XXX) Please provide verification of the monthly HOA fees for the properties located at XXX XXX. Additional conditions may apply. | Document Uploaded. See Uploaded REO docs indicating no additional insured mortgage or lienholder | 08/13/2025 | Borrower 1 Credit Report is not partially present.; Audit reviewed Lender's response and has determined the schedule E in file reflects property XXX XXX does not have mortgage interest and the hazard insurance reflects no mortgagee supporting property is owned free and clear. In addition, the schedule E verifies, taxes, hoi and HOA for REO properties XXX XXX. Condition cleared.; Lender provided hoi, HOA and taxes for XXX XXX; however, did not provide verification property is owned free and clear. In addition, HOA fees for properties XXX XXX was not provided. Condition retained. | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50483 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verbal Verification of Employment is required for all borrowers using salaried income to qualify and must be completed within XXX business days prior to the note date. | Document Uploaded. See Uploaded VVOE | 08/13/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE, dated post close which meets XXX Selling Guide. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE, dated post close which meets XXX Selling Guide. Condition cleared. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50483 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Verbal Verification of Employment is required for all borrowers using salaried income to qualify and must be completed within XXX business days prior to the note date. | Document Uploaded. See Uploaded VVOE | 08/13/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE, dated post close which meets XXX Selling Guide. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.14

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| GCAT2025INV50634 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50635 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50636 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50637 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50638 |  |  | XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| GCAT2025INV50639 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50640 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50641 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50642 |  |  | XXXXXX D | B | B | B | B | B C D A | A | A | A | A | A |
| GCAT2025INV50643 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50644 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50645 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50646 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50647 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50648 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50649 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50650 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50651 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50652 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50653 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50654 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50655 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50656 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50657 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50658 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50659 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50660 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50661 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50662 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50663 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50664 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50665 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50666 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50667 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50668 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50669 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50670 |  |  | XXXXXX C | B | B | B | B | B C A | B | B | B | B | B A |
| GCAT2025INV50671 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50672 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50673 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50674 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50675 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50676 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50677 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50678 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50679 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50680 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50681 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50682 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50683 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50684 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50685 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50686 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50687 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50688 |  |  | XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| GCAT2025INV50689 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50690 |  |  | XXXXXX C | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50691 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A |
| GCAT2025INV50692 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50693 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50694 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50695 |  |  | XXXXXX D | C | C | C | C | C D A | A | A | A | A | A |
| GCAT2025INV50696 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50697 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50698 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50699 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50700 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50701 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50702 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50703 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50704 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50705 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50706 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50707 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50708 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50709 |  |  | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| GCAT2025INV50710 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50711 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A |
| GCAT2025INV50712 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50713 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50714 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50715 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50716 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50717 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50718 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50719 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50720 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50721 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50722 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50723 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50724 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50725 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50726 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50727 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50728 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50729 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50730 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50731 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50732 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50733 |  |  | XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| GCAT2025INV50734 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50735 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50736 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50737 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50738 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50739 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50740 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50741 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50742 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50743 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50744 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50745 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50746 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50747 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50748 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50749 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50750 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50751 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50752 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50753 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50754 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50755 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50756 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50757 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50758 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50759 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50760 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50761 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50762 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50763 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50764 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50765 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50766 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50767 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50768 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A B |
| GCAT2025INV50769 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50770 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50771 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50772 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50773 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50774 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50775 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50776 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50777 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50778 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50779 |  |  | XXXXXX D | B | B | B | B | B C D | A | A | A | A | A B |
| GCAT2025INV50780 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50781 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A |
| GCAT2025INV50782 |  |  | XXXXXX D | B | B | B | B | B C D A | A | A | A | A | A |
| GCAT2025INV50783 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50784 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50785 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50786 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50787 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50788 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50789 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50790 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50791 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50792 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50793 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50794 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50795 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50796 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50797 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50798 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50799 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50800 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50801 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50802 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50803 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50804 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50805 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50806 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50807 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50808 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50809 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50810 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50811 |  |  | XXXXXX D | B | B | B | B | B C D A | A | A | A | A | A |
| GCAT2025INV50812 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50813 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50814 |  |  | XXXXXX C | D | D | D | D | D A | A | A | A | A | A |
| GCAT2025INV50815 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50816 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50817 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50818 |  |  | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| GCAT2025INV50819 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| GCAT2025INV50820 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50821 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50822 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50823 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50824 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50825 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50826 |  |  | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| GCAT2025INV50827 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50828 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50829 |  |  | XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| GCAT2025INV50830 |  |  | XXXXXX D | C | C | C | C | C D A | B | B | B | B | B A |
| GCAT2025INV50831 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50832 |  |  | XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| GCAT2025INV50833 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50834 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50835 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50836 |  |  | XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| GCAT2025INV50837 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50838 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50839 |  |  | XXXXXX D | B | B | B | B | B C D A | A | A | A | A | A |
| GCAT2025INV50840 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50841 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50842 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50843 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50844 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50845 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50846 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50847 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50848 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50849 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50850 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50851 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50852 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50853 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50854 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50855 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50856 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50857 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50858 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50859 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50860 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50861 |  |  | XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| GCAT2025INV50862 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50863 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50864 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50865 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50866 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50867 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50868 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50869 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50870 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50871 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50872 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50873 |  |  | XXXXXX C | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50874 |  |  | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| GCAT2025INV50875 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50876 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50877 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50878 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50879 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50880 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50881 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50882 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50883 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50884 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A |
| GCAT2025INV50885 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50886 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50887 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50888 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50889 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50890 |  |  | XXXXXX D | B | B | B | B | B C D A | A | A | A | A | A |
| GCAT2025INV50891 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50892 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50893 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50894 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50895 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50896 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50897 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50898 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50899 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50900 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50901 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50902 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50903 |  |  | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| GCAT2025INV50904 |  |  | XXXXXX C | B | B | B | B | B C A | A | A | A | A | A |
| GCAT2025INV50905 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50906 |  |  | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| GCAT2025INV50907 |  |  | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| GCAT2025INV50483 |  | XXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50487 |  | XXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| GCAT2025INV50477 |  | XXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |

---

## Exhibit 99.15

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| GCAT2025INV50634 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50635 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.1707 | AVM |  |  |  |  |  | XXX | XXX | -.1707 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50636 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0380 | AVM |  |  |  |  |  | XXX | XXX | -.0380 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50637 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| GCAT2025INV50638 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| GCAT2025INV50639 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.37 | 73.37 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50640 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0073 | AVM |  |  |  |  |  | XXX | XXX | -.0073 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50641 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50642 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0104 | AVM |  |  |  |  |  | XXX | XXX | -.0104 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| GCAT2025INV50643 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.1111 | AVM |  |  |  |  |  | XXX | XXX | -.1111 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50644 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0705 | AVM |  |  |  |  |  | XXX | XXX | -.0705 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| GCAT2025INV50645 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 50.0 | 50.0 |  |  |  |  | XXX | XXX | -.0079 | AVM |  |  |  |  |  | XXX | XXX | -.0079 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50646 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0634 | AVM |  |  |  |  |  | XXX | XXX | -.0634 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50647 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0166 | AVM |  |  |  |  |  | XXX | XXX | -.0166 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50648 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.02 | 72.02 |  |  |  |  | XXX | XXX | -.0791 | AVM |  |  |  |  |  | XXX | XXX | -.0791 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50649 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0062 | AVM |  |  |  |  |  | XXX | XXX | -.0062 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50650 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0339 | AVM |  |  |  |  |  | XXX | XXX | -.0339 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50651 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.1166 | AVM |  |  |  |  |  | XXX | XXX | -.1166 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50652 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0503 | AVM |  |  |  |  |  | XXX | XXX | .0503 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50653 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0294 | AVM |  |  |  |  |  | XXX | XXX | -.0294 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50654 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0039 | AVM |  |  |  |  |  | XXX | XXX | -.0039 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50655 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0173 | AVM |  |  |  |  |  | XXX | XXX | -.0173 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50656 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  | XXX | XXX | -.0025 | AVM |  |  |  |  |  | XXX | XXX | -.0025 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50657 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.1929 | AVM |  |  |  |  |  | XXX | XXX | -.1929 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50658 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0230 | AVM |  |  |  |  |  | XXX | XXX | .0230 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50659 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0319 | AVM |  |  |  |  |  | XXX | XXX | .0319 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50660 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0108 | AVM |  |  |  |  |  | XXX | XXX | -.0108 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50661 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0350 | AVM |  |  |  |  |  | XXX | XXX | -.0350 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50662 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.49 | 78.49 |  |  |  |  | XXX | XXX | -.0107 | AVM |  |  |  |  |  | XXX | XXX | -.0107 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| GCAT2025INV50663 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 65.0 | 65.0 |  |  |  |  | XXX | XXX | -.0247 | AVM |  |  |  |  |  | XXX | XXX | -.0247 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50664 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.81 | 73.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50665 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50666 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50667 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| GCAT2025INV50668 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50669 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0052 | AVM |  |  |  |  |  | XXX | XXX | -.0052 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50670 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.3296 | AVM |  |  |  |  |  | XXX | XXX | -.3296 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| GCAT2025INV50671 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.78 | 62.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| GCAT2025INV50672 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50673 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| GCAT2025INV50674 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50675 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.64 | 74.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50676 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50677 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50678 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| GCAT2025INV50679 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50680 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| GCAT2025INV50681 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50682 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| GCAT2025INV50683 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50684 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50685 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| GCAT2025INV50686 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50687 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50688 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50689 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50690 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50691 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| GCAT2025INV50692 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50693 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50694 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50695 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0024 | AVM |  |  |  |  |  | XXX | XXX | -.0024 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50696 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | -.0231 | AVM |  |  |  |  |  | XXX | XXX | -.0231 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50697 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50698 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.82 | 72.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| GCAT2025INV50699 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50700 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50701 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50702 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50703 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50704 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| GCAT2025INV50705 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| GCAT2025INV50706 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| GCAT2025INV50707 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0015 | AVM |  |  |  |  |  | XXX | XXX | -.0015 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50708 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0121 | AVM |  |  |  |  |  | XXX | XXX | -.0121 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50709 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50710 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| GCAT2025INV50711 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50712 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50713 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50714 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.3 | 73.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| GCAT2025INV50715 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.99 | 74.99 |  |  |  |  | XXX | XXX | -.0003 | AVM |  |  |  |  |  | XXX | XXX | -.0003 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| GCAT2025INV50716 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0299 | AVM |  |  |  |  |  | XXX | XXX | -.0299 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50717 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0265 | AVM |  |  |  |  |  | XXX | XXX | -.0265 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| GCAT2025INV50718 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0065 | AVM |  |  |  |  |  | XXX | XXX | -.0065 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50719 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | -.0227 | AVM |  |  |  |  |  | XXX | XXX | -.0227 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50720 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50721 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| GCAT2025INV50722 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0649 | AVM |  |  |  |  |  | XXX | XXX | -.0649 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50723 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | .0000 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50724 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50725 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| GCAT2025INV50726 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0280 | AVM |  |  |  |  |  | XXX | XXX | -.0280 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50727 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.53 | 69.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50728 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| GCAT2025INV50729 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50730 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.99 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50731 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50732 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50733 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| GCAT2025INV50734 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.81 | 68.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50735 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50736 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.48 | 72.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50737 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0003 | AVM |  |  |  |  |  | XXX | XXX | .0003 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| GCAT2025INV50738 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50739 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50740 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50741 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50742 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | .0000 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50743 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| GCAT2025INV50744 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0238 | AVM |  |  |  |  |  | XXX | XXX | -.0238 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| GCAT2025INV50745 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50746 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50747 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50748 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.06 | 77.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50749 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0139 | AVM |  |  |  |  |  | XXX | XXX | -.0139 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| GCAT2025INV50750 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50751 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .3406 | AVM |  |  |  |  |  | XXX | XXX | .3406 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50752 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0053 | AVM |  |  |  |  |  | XXX | XXX | -.0053 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50753 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50754 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50755 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0429 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.043 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50756 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0058 | AVM |  |  |  |  |  | XXX | XXX | .0058 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50757 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.25 | 65.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| GCAT2025INV50758 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50759 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX |  | None - Appraisal Waiver | XXX | 68.8 | 68.8 |  |  |  |  | XXX | XXX | -.0842 | AVM |  |  |  |  |  | XXX | XXX | -.0842 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50760 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 74.94 | 74.94 |  |  |  |  | XXX | XXX | -.0602 | AVM |  |  |  |  |  | XXX | XXX | -.0602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50761 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 49.99 | 49.99 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | .0000 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50762 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | -.0044 | AVM |  |  |  |  |  | XXX | XXX | -.0044 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50763 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0588 | AVM |  |  |  |  |  | XXX | XXX | -.0588 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50764 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 74.91 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50765 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| GCAT2025INV50766 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50767 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50768 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 69.82 | 69.82 |  |  |  |  | XXX | XXX | .0165 | AVM |  |  |  |  |  | XXX | XXX | .0165 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50769 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50770 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50771 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50772 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.18 | 68.18 |  |  |  |  | XXX | XXX | -.1570 | AVM |  |  |  |  |  | XXX | XXX | -.1570 | 76.0 | 0.24 | XXX | XXX | XX/XX/XXXX | XXX | XXX | -.0638 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50773 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0065 | AVM |  |  |  |  |  | XXX | XXX | .0065 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| GCAT2025INV50774 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50775 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0017 | AVM |  |  |  |  |  | XXX | XXX | -.0017 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50776 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50777 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50778 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.13 | 69.13 |  |  |  |  | XXX | XXX | -.0315 | AVM |  |  |  |  |  | XXX | XXX | -.0314 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50779 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0101 | AVM |  |  |  |  |  | XXX | XXX | -.0101 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50780 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50781 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50782 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0227 | AVM |  |  |  |  |  | XXX | XXX | .0227 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50783 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0204 | AVM |  |  |  |  |  | XXX | XXX | -.0204 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50784 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.1639 | AVM |  |  |  |  |  | XXX | XXX | -.1639 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50785 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50786 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.27 | 62.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50787 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0045 | AVM |  |  |  |  |  | XXX | XXX | -.0045 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50788 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0151 | AVM |  |  |  |  |  | XXX | XXX | -.0151 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50789 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.91 | 65.91 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50790 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.82 | 68.82 |  |  |  |  | XXX | XXX | -.0219 | AVM |  |  |  |  |  | XXX | XXX | -.0219 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| GCAT2025INV50791 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50792 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.1217 | AVM |  |  |  |  |  | XXX | XXX | -.1217 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50793 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0028 | AVM |  |  |  |  |  | XXX | XXX | .0028 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50794 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0508 | AVM |  |  |  |  |  | XXX | XXX | -.0508 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50795 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0188 | AVM |  |  |  |  |  | XXX | XXX | -.0188 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50796 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| GCAT2025INV50797 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50798 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0414 | AVM |  |  |  |  |  | XXX | XXX | -.0414 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50799 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0384 | AVM |  |  |  |  |  | XXX | XXX | .0384 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50800 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50801 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| GCAT2025INV50802 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50803 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0568 | AVM |  |  |  |  |  | XXX | XXX | .0568 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50804 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0357 | AVM |  |  |  |  |  | XXX | XXX | -.0357 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50805 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 73.28 | 73.28 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50806 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50807 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50808 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50809 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.1 | 71.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| GCAT2025INV50810 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| GCAT2025INV50811 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.33 | 74.33 |  |  |  |  | XXX | XXX | -.0001 | AVM |  |  |  |  |  | XXX | XXX | -.0001 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50812 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| GCAT2025INV50813 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0420 | AVM |  |  |  |  |  | XXX | XXX | -.0420 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| GCAT2025INV50814 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| GCAT2025INV50815 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| GCAT2025INV50816 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50817 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.83 | 64.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50818 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| GCAT2025INV50819 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 66.75 | 66.75 |  |  |  |  | XXX | XXX | -.0316 | AVM |  |  |  |  |  | XXX | XXX | -.0316 |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50820 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| GCAT2025INV50821 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50822 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0715 | AVM |  |  |  |  |  | XXX | XXX | -.0715 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| GCAT2025INV50823 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50824 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.8 | 67.8 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| GCAT2025INV50825 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50826 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50827 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50828 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0825 | AVM |  |  |  |  |  | XXX | XXX | -.0825 | 78.0 | 0.22 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50829 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50830 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.3799 | AVM |  |  |  |  |  | XXX | XXX | -.3799 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50831 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0139 | AVM |  |  |  |  |  | XXX | XXX | .0139 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| GCAT2025INV50832 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50833 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50834 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 69.27 | 69.27 |  |  |  |  | XXX | XXX | -.0222 | AVM |  |  |  |  |  | XXX | XXX | -.0222 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50835 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | -.1900 | AVM |  |  |  |  |  | XXX | XXX | -.1900 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50836 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0435 | AVM |  |  |  |  |  | XXX | XXX | -.0435 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50837 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| GCAT2025INV50838 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| GCAT2025INV50839 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.04 | 77.04 |  |  |  |  | XXX | XXX | .0224 | AVM |  |  |  |  |  | XXX | XXX | .0224 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| GCAT2025INV50840 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .2800 | AVM |  |  |  |  |  | XXX | XXX | .2800 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50841 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50842 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| GCAT2025INV50843 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .1175 | AVM |  |  |  |  |  | XXX | XXX | .1175 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | XXX | XXX | -.0338 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50844 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50845 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| GCAT2025INV50846 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0274 | AVM |  |  |  |  |  | XXX | XXX | -.0274 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50847 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50848 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0393 | AVM |  |  |  |  |  | XXX | XXX | -.0393 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| GCAT2025INV50849 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| GCAT2025INV50850 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50851 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| GCAT2025INV50852 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50853 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50854 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 46.9 | 46.9 |  |  |  |  | XXX | XXX | -.0069 | AVM |  |  |  |  |  | XXX | XXX | -.0069 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50855 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.33 | 58.33 | XXX | XXX | -.1118 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1118 | 97.0 | 0.09 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0283 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50856 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0025 | AVM |  |  |  |  |  | XXX | XXX | -.0025 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50857 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0041 | AVM |  |  |  |  |  | XXX | XXX | -.0041 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50858 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| GCAT2025INV50859 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50860 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.83 | 69.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| GCAT2025INV50861 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50862 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50863 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50864 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50865 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0182 | AVM |  |  |  |  |  | XXX | XXX | .0182 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50866 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| GCAT2025INV50867 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.91 | 72.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50868 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0159 | AVM |  |  |  |  |  | XXX | XXX | -.0159 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50869 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0187 | AVM |  |  |  |  |  | XXX | XXX | -.0187 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50870 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50871 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.15 | 79.15 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| GCAT2025INV50872 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0052 | AVM |  |  |  |  |  | XXX | XXX | -.0052 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50873 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0174 | AVM |  |  |  |  |  | XXX | XXX | -.0174 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50874 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | .0000 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| GCAT2025INV50875 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0254 | AVM |  |  |  |  |  | XXX | XXX | -.0254 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| GCAT2025INV50876 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.0165 | AVM |  |  |  |  |  | XXX | XXX | -.0165 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | na | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50877 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| GCAT2025INV50878 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | .0000 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| GCAT2025INV50879 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.17 | 77.17 |  |  |  |  | XXX | XXX | -.0947 | AVM |  |  |  |  |  | XXX | XXX | -.0947 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| GCAT2025INV50880 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| GCAT2025INV50881 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.14 | 77.14 |  |  |  |  | XXX | XXX | .0193 | AVM |  |  |  |  |  | XXX | XXX | .0193 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50882 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0120 | AVM |  |  |  |  |  | XXX | XXX | -.0120 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50883 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50884 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| GCAT2025INV50885 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0029 | AVM |  |  |  |  |  | XXX | XXX | .0029 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| GCAT2025INV50886 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0364 | AVM |  |  |  |  |  | XXX | XXX | -.0364 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50887 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0059 | AVM |  |  |  |  |  | XXX | XXX | -.0059 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50888 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50889 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| GCAT2025INV50890 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 50.0 | 50.0 |  |  |  |  | XXX | XXX | -.0162 | AVM |  |  |  |  |  | XXX | XXX | -.0162 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| GCAT2025INV50891 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50892 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0361 | AVM |  |  |  |  |  | XXX | XXX | -.0361 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| GCAT2025INV50893 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.77 | 77.77 |  |  |  |  | XXX | XXX | -.0002 | AVM |  |  |  |  |  | XXX | XXX | -.0002 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| GCAT2025INV50894 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | AVM |  |  |  |  |  | XXX | XXX | -.0000 | 97.0 | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| GCAT2025INV50895 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50896 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| GCAT2025INV50897 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0821 | AVM |  |  |  |  |  | XXX | XXX | -.0821 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50898 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0068 | AVM |  |  |  |  |  | XXX | XXX | -.0068 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| GCAT2025INV50899 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 66.11 | 66.11 |  |  |  |  | XXX | XXX | -.1038 | AVM |  |  |  |  |  | XXX | XXX | -.1038 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| GCAT2025INV50900 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0005 | AVM |  |  |  |  |  | XXX | XXX | -.0005 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| GCAT2025INV50901 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | -.2164 | AVM |  |  |  |  |  | XXX | XXX | -.2164 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50902 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| GCAT2025INV50903 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50904 |  |  | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 54.49 | 54.49 |  |  |  |  | XXX | XXX | -.0651 | AVM |  |  |  |  |  | XXX | XXX | -.0651 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50905 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0065 | AVM |  |  |  |  |  | XXX | XXX | -.0065 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| GCAT2025INV50906 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0036 | AVM |  |  |  |  |  | XXX | XXX | -.0036 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GCAT2025INV50907 |  |  | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| GCAT2025INV50483 |  | XXXXX | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| GCAT2025INV50487 |  | XXXXX | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.97 | 68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| GCAT2025INV50477 |  | XXXXX | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX |  | None - Appraisal Waiver | XXX | 75.0 | 75.0 | XXX | XXX | .2026 | AVM | XXX | XXX | .1525 | Broker Price Opinion (BPO) |  |  |  |  |  | XXX | XXX | .2026 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .1525 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.16

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Final QM Status** | **QM Total Points and Fees** | **APR** | **Residual Income** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** |
| GCAT2025INV50634 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50635 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50636 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50637 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50638 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50639 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50640 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50641 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50642 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50643 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50644 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50645 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50646 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50647 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50648 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50649 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50650 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50651 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50652 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50653 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50654 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50655 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50656 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50657 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50658 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50659 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50660 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50661 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50662 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50663 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50664 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50665 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50666 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50667 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50668 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50669 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50670 |  |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | $XXX | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50671 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50672 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50673 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50674 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50675 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50676 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50677 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50678 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50679 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50680 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50681 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50682 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50683 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50684 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50685 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50686 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50687 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50688 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50689 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50690 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50691 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50692 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50693 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50694 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50695 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50696 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50697 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50698 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50699 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50700 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50701 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50702 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50703 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50704 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50705 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50706 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50707 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50708 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50709 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50710 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50711 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50712 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50713 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50714 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50715 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50716 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50717 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50718 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50719 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50720 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50721 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50722 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50723 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50724 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50725 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50726 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50727 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50728 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50729 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50730 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50731 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50732 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50733 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50734 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50735 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50736 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50737 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50738 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50739 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50740 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50741 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50742 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50743 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50744 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50745 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50746 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50747 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50748 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50749 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50750 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50751 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50752 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50753 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50754 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50755 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50756 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50757 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50758 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50759 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50760 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50761 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50762 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50763 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50764 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50765 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50766 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50767 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50768 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50769 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50770 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50771 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50772 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50773 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50774 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50775 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50776 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50777 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50778 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50779 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50780 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50781 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50782 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50783 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50784 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50785 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50786 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50787 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50788 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50789 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50790 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50791 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50792 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50793 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50794 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50795 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50796 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50797 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50798 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50799 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50800 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50801 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50802 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50803 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50804 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50805 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50806 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50807 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50808 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50809 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50810 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50811 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50812 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50813 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50814 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50815 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50816 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50817 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50818 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50819 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50820 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50821 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50822 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50823 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50824 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50825 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50826 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50827 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50828 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50829 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50830 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50831 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50832 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50833 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50834 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50835 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50836 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50837 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50838 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50839 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50840 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50841 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50842 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50843 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50844 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50845 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50846 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50847 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50848 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50849 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50850 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50851 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50852 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50853 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50854 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50855 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50856 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50857 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50858 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50859 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50860 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50861 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50862 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50863 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50864 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50865 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50866 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50867 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50868 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50869 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50870 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50871 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50872 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50873 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50874 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50875 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50876 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50877 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50878 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50879 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50880 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50881 |  |  | XX/XX/XXXX | ATR/QM: Exempt | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50882 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50883 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50884 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50885 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50886 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50887 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50888 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50889 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50890 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50891 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50892 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50893 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50894 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50895 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50896 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50897 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50898 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50899 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50900 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50901 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50902 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50903 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |
| GCAT2025INV50904 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50905 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50906 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50907 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | Yes |
| GCAT2025INV50477 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | XXX | $XXX | XXX | XXX | XXX | XXX | No |
| GCAT2025INV50487 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX |  | XXX |  | No |
| GCAT2025INV50483 |  |  | XX/XX/XXXX | ATR/QM: Exempt |  | XXX | $XXX | XXX | XXX | XXX | XXX | Yes |

---