Granite Point Mortgage Trust Inc. (0001703644) (Filer)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): September 30, 2026

Granite Point Mortgage Trust Inc.

(Exact name of registrant as specified in its charter)

Registrant’s telephone number, including area code: (212) 364-5500

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Securities registered pursuant to Section 12(b) of the Act:

 Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01 Entry into a Material Definitive Agreement.

JPMorgan Repurchase Facility

On September 30, 2026, GP Commercial JPM LLC, a wholly owned subsidiary of Granite Point Mortgage Trust Inc. (the “Company”), entered into an amendment (the “MRA Amendment”) to that certain previously disclosed Amended and Restated Uncommitted Master Repurchase Agreement, dated as of July 31, 2026, with JPMorgan Chase Bank, National Association (“JPMorgan”) and the Company entered into an amendment (the “Guarantee Amendment” and, together with the MRA Amendment, the “Facility Amendments”) to that certain previously disclosed Second Amended and Restated Guarantee Agreement, dated as of July 28, 2026, made by the Company in favor of JPMorgan. The Facility Amendments, among other things, (i) increase the maximum facility amount to $727.0 million, (ii) modify the principal payment waterfall mechanics with respect to certain newly added purchased assets and (iii) modify the facility’s “Minimum Interest Expense Coverage Ratio” financial covenant. The newly added purchased assets were previously financed under the Company’s repurchase facilities with Citibank, N.A. and Morgan Stanley Bank, N.A.

The foregoing description of the Facility Amendments do not purport to be complete and is qualified in its entirety by reference to the full text of the Facility Amendments, which are filed herewith as Exhibit 10.1 and 10.2 and are incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.

(d) Exhibits.

*Certain schedules and similar attachments have been omitted in reliance on Instruction 4 of Item 1.01 of Form 8-K and Item 601(a)(5) of Regulation S-K

SIGNATURES

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