GCAT 2022-NQM2 Trust ABS-15G/A

Exhibit 99.33

 

 

Loan ID Marketing ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
XXXXXXXXXX 436293771 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No   No No false No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Employed   No No Yes  
XXXXXXXXXX 436293772 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No No No No false No No No No No 9580 5.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed Employed No No No N/A
XXXXXXXXXX 436293773 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 27327.03 5.539 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No  
XXXXXXXXXX 436293774 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No No No No true No No No No No 6827.5 4.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed   No No No  
XXXXXXXXXX 436293775 XXXXXXXXXX QM: Safe Harbor (SH) ATR/QM: Exempt Yes Interest Only   No No No No false No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No Yes  
XXXXXXXXXX 436293777 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No No No No true No No No No No 20245 3.921 Yes Yes N/A Yes Yes Yes N/A Yes Yes No   N/A Employed   No No    
XXXXXXXXXX 436293778 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No No No No true No No No No       Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed Not Employed No No    
XXXXXXXXXX 436293779 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 5845 6.531 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No   N/A
XXXXXXXXXX 436293780 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No No No No false No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes  
XXXXXXXXXX 436293781 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No No false No No No No No 6895 5.731 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No   N/A
XXXXXXXXXX 436293782 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No   No No false No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes  
XXXXXXXXXX 436293783 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 1495 4.575 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No   N/A
XXXXXXXXXX 436293784 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No No No No false No No No No No 13982.5 5.43 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No   N/A
XXXXXXXXXX 436293785 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail Yes Yes No No false No No No No No 5179 6.854 Yes Yes N/A Yes Yes N/A N/A Yes N/A N/A   N/A Employed Employed No No    
XXXXXXXXXX 436293786 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No No No No false No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A     No No Yes  
XXXXXXXXXX 436293787 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   Yes No No No false No No No No No 12048 5.145 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No N/A
XXXXXXXXXX 436293788 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 6745 6.511 Yes Yes N/A Yes Yes Yes Yes N/A Yes Yes   N/A Employed   No No   N/A
XXXXXXXXXX 436293789 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 12757.5 6.093 Yes Yes N/A Yes Yes N/A N/A Yes N/A N/A   N/A Employed Employed No No No N/A
XXXXXXXXXX 436293790 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   Yes No No No false No No No No No 11873.12 4.409 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed   No No No N/A
XXXXXXXXXX 436293791 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No No 1495 6.248 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No No N/A
XXXXXXXXXX 436293792 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No No false No No No No Yes 18525.25 4.32 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No    
XXXXXXXXXX 436293794 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No Yes No No false No No No No Yes 7215 5.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed   No No No N/A
XXXXXXXXXX 436293795 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Not Applicable Yes Appendix Q Documentation   No No No No false No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A No         Yes No Yes  
XXXXXXXXXX 436293796 XXXXXXXXXX ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation   No No No No false No No No No No 5856.44   Yes Yes N/A Yes Yes Yes N/A Yes Yes No   N/A Employed   No No    
XXXXXXXXXX 436293802 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   Yes No No No false No No No No No 6195 3.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed Employed No No No N/A
XXXXXXXXXX 436293803 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   Yes No No No false No No No No No 6440.5 4.543 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   Yes Employed Employed No No No N/A
XXXXXXXXXX 436293804 XXXXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No No No No false No No No No       Yes N/A N/A N/A Yes N/A N/A N/A Yes N/A         No No Yes  
XXXXXXXXXX 436293805 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation   No   No No false No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No No   N/A
XXXXXXXXXX 436293806 XXXXXXXXXX Non-QM: Lender documented all ATR UW factors ATR/QM: Not Applicable Yes Appendix Q Documentation   No No No No false No No No No       Yes N/A N/A Yes Yes N/A N/A N/A Yes N/A         No No