Granite Point Mortgage Trust Inc.

Item 1.01 Entry into a Material Definitive Agreement. JPMorgan Repurchase Facility On July 28, 2026, GP Commercial JPM LLC (“GPC”), a wholly owned subsidiary of Granite Point Mortgage Trust Inc. (the “Company”), entered into an amendment (the “MRA Amendment”) to that certain previously disclosed Uncommitted Master Repurchase Agreement (as amended, the “MRA”), dated as of December 3, 2015, between GPC and JPMorgan Chase Bank, National Association (“JPMorgan”) and, in connection therewith, the Company entered into an amendment and restatement (the “2nd A&R Guaranty”) of that certain Amended and Restated Guarantee Agreement, dated as of June 28, 2017, in favor of JPMorgan. On July 31, 2026, GPC entered into an amendment and restatement of the MRA (collectively, with the MRA Amendment and the 2nd A&R Guaranty, the “Facility Amendments”). Among other things, the Facility Amendments (i) increase the maximum facility amount to $651 million, (ii) extend the facility’s maturity date to July 28, 2028, and provide three 364-day options to further extend the facility’s final maturity date; (iii) adjust the facility’s principal payment waterfall mechanics; (iv) modify the facility’s “Unrestricted Cash” and “Minimum Tangible Net Worth” financial covenants and (v) update outdated language. The foregoing descriptions of the Facility Amendments do not purport to be complete and are qualified in their entirety by reference to the full text of the Facility Amendments, which are filed herewith as Exhibit 10.1, 10.2 and 10.3, 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.