Granite Point Mortgage Trust Inc.

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.