EX-99.46 47 ex99-46.htm STONEHILL RATING AGENCY GRADES DETAIL REPORT
 

GCAT 2023-NQM1 Trust ABS-15G

Exhibit 99.46

 

Marketing ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File?
687995491274     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA    
771629011413     C A B A C A A A Closed finding-3632 REDACTED REDACTED Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Resolved - Due Diligence Vendor-REDACTED DATE
Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED DATE
  Resolved-Resolved - Due Diligence Vendor-REDACTED DATE
 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED DATE
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
771629011413     C A B A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence Vendor-01/20/2022
Ready for Review-7/22 COC CD was issued for lowered loan amount and rate to 4.575% with 0.60% discount points buy down. See attached COC CD - Due Diligence Vendor-01/19/2022
Acknowledged-Acknowledged - Due Diligence Vendor-11/19/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNT.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures .An 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). - Due Diligence Vendor-REDACTED DATE
  Acknowledged-Acknowledged - Due Diligence Vendor-REDACTED DATE
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
771629011413     C A B A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved- - Due Diligence Vendor-01/20/2022

Ready for Review-7/22 COC CD was issued for lowered loan amount and rate to 4.575% with 0.60% discount points buy down. See attached COC CD - Due Diligence Vendor-01/19/2022

Acknowledged-Acknowledged - Due Diligence Vendor-11/19/2021

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/24/2021
  Acknowledged-Acknowledged - Due Diligence Vendor-REDACTED DATE
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
771629011413     C A B A C A A A Closed FCRE1148 REDACTED REDACTED Resolved 1 - Information B A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Title Coverage Amount of REDACTED AMOUNT is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE
Open-Title Coverage Amount of REDACTED AMOUNT is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE
  Resolved-Title Coverage Amount of REDACTED AMOUNT is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
529867953782     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated