Granite Point Mortgage Trust Inc.

Item 3.03 Material Modification to Rights of Security Holders. To the extent required by Item 3.03 of Form 8-K, the information contained in Item 5.03 of this Current Report on Form 8-K is incorporated herein by reference.

Item 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year. Completion of 1-for-10 Reverse Stock Split On October 5, 2026, Granite Point Mortgage Trust Inc. (the “Company”) completed the previously announced reverse stock split of shares of the Company’s common stock (the “Common Stock”) at a ratio of one share for every ten shares outstanding (the “Reverse Stock Split”). The Reverse Stock Split took effect at 5:00 p.m. Eastern Time on October 5, 2026 (the “Effective Time”) and automatically converted every ten shares of Common Stock outstanding at that time into one share of Common Stock. The Reverse Stock Split affected all holders of Common Stock uniformly and did not affect any common stockholder’s percentage ownership interest in the Company, except for de minimis changes resulting from the elimination of fractional shares, as described below under “Charter Amendments.” Holders of Common Stock were not required to take any action related to the Reverse Stock Split. Their accounts were automatically adjusted to reflect the number of shares owned. As a net result of the Reverse Stock Split, the number of shares of Common Stock issued and outstanding decreased from 48,198,166 shares to approximately 4,819,100 shares as of the Effective Time. At the Effective Time, the aggregate number of shares of Common Stock available for awards under the Company’s Amended and Restated 2022 Omnibus Incentive Plan (the “Incentive Plan”) and the terms of outstanding awards that had been issued under the Incentive Plan were ratably adjusted to reflect the Reverse Stock Split. The Reverse Stock Split will not affect payment of the previously announced Common Stock dividend. The dividend will remain payable on October 15, 2026, to stockholders of record at the close of business on October 1, 2026, based on their pre-split holdings of Common Stock, at the previously announced rate of $0.01 per pre-split share. The Reverse Stock Split applies only to the Common Stock and did not affect the outstanding shares or terms of the Company’s 7.00% Series A Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock. Charter Amendments In connection with and to implement the Reverse Stock Split, on October 2, 2026, the Company filed two Articles of Amendment to its charter with the State Department of Assessments and Taxation of Maryland that provided for: a 1-for-10 Reverse Stock Split of the Common Stock, effective at 5:00 p.m. Eastern Time on October 5, 2026, payment of fractional shares in cash, and a corresponding and statutorily required increase in the par value per share of Common Stock from $0.01 per share to $0.10 per share (the “First Amendment”); and ii. the restoration of the par value per share of the Common Stock to $0.01 per share, effective immediately following the effectiveness of the First Amendment (the “Second Amendment”). Trading of the Common Stock on the New York Stock Exchange commenced on a Reverse Stock Split-adjusted basis on October 6, 2026, under the existing trading symbol “GPMT.” The new CUSIP number for the Common Stock following the Reverse Stock Split is 38741L 404. Pursuant to the First Amendment, any fractional share of Common Stock that would otherwise have resulted from the Reverse Stock Split will be settled by cash payment, calculated on the basis of the closing price of the Common Stock on October 5, 2026. The foregoing descriptions of the First Amendment and the Second Amendment do not purport to be complete and are qualified in their entirety by reference to each amendment, copies of which are filed as Exhibit 3.1 and Exhibit 3.2, respectively, to this Current Report on Form 8-K and are incorporated herein by reference.