GCAT 2025-NQM4 Trust ABS- 15G

Exhibit 99.15

Loan ID

Redaction ID

Investor Loan 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?

XXXX

524544997

XXXX

XXXX

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

15995

7.654

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

23516.45

Yes

Employed

No

No

XXXX

596267542

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

511593565

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

596496209

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

557314654

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

529077988

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

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

Yes

Present

XXXX

511064318

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

506514291

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

521423403

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

584013632

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

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

Yes

Present

XXXX

596951007

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

580799166

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

520230362

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

XXXX

580538167

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

592682802

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

XXXX

510814595

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

585389645

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

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

Yes

Present

XXXX

586487208

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

566668690

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

524760279

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

580469539

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

N/A

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

XXXX

545463048

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

542999838

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

590368191

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

N/A

No

No

Yes

Present

XXXX

542796765

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

530622120

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

589130440

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

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

Not Employed

No

Yes

Present

XXXX

550186543

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

510896067

XXXX

XXXX

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

Yes

No

No

No

No

No

No

No

No

No

13175

7.868

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

9245.23

N/A

Employed

No

No

XXXX

558606720

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

XXXX

506002291

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

161014.8

N/A

Employed

No

Yes

N/A

XXXX

535932291

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

161014.8

Yes

Employed

No

Yes

N/A

XXXX

580106486

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

160794.38

Yes

Employed

No

Yes

Present

XXXX

535969471

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

62683.27

Yes

Employed

No

Yes

Present

XXXX

576032569

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present