10-D 1 hbv06010_10d-200612.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-D ASSET-BACKED ISSUER DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the monthly distribution period from: November 2, 2006 to December 1, 2006 Commission File Number of issuing entity: 333-130961-26 HarborView Mortgage Loan Trust 2006-10 (Exact name of issuing entity as specified in its charter) Commission File Number of depositor: 333-130961 Greenwich Capital Acceptance, Inc. (Exact name of depositor as specified in its charter) Greenwich Capital Financial Products, Inc. (Exact name of sponsor as specified in its charter) New York (State or other jurisdiction of incorporation or organization of the issuing entity) 54-2198273 54-2198274 54-6725996 54-2198354 (I.R.S. Employer Identification No.) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices of the issuing entity) (Zip Code) (410) 884-2000 (Telephone number, including area code) Not Applicable (Former name, former address, if changed since last report) Registered/reporting pursuant to (check one) Title of Section Section Section Name of Exchange Class 12(b) 12(g) 15(d) (If Section 12(b)) 1A-1A _____ _____ __X___ ____________ 1A-1B _____ _____ __X___ ____________ 2A-1A _____ _____ __X___ ____________ 2A-1B _____ _____ __X___ ____________ 2A-1C _____ _____ __X___ ____________ B-1 _____ _____ __X___ ____________ B-2 _____ _____ __X___ ____________ B-3 _____ _____ __X___ ____________ B-4 _____ _____ __X___ ____________ B-5 _____ _____ __X___ ____________ B-6 _____ _____ __X___ ____________ B-7 _____ _____ __X___ ____________ C _____ _____ __X___ ____________ P _____ _____ __X___ ____________ R _____ _____ __X___ ____________ ES _____ _____ __X___ ____________

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes __X__ No ____ Part I - DISTRIBUTION INFORMATION Item 1. Distribution and Pool Performance Information On December 19, 2006 a distribution was made to holders of HarborView Mortgage Loan Trust 2006-10. The distribution report is attached as an Exhibit to this Form 10-D. Please see Item 9(b), Exhibit 99.1 for the related information. Part II - OTHER INFORMATION Item 9. Exhibits. (a) The following is a list of documents filed as part of this Report on Form 10-D: (99.1) Monthly report distributed to holders of HarborView Mortgage Loan Trust 2006-10, relating to the December 19, 2006 distribution. (99.2) Clayton Credit Risk Manager Report (b) The exhibits required to be filed by Registrant pursuant to Item 601 of Regulation S-K are listed above and in the Exhibit Index that immediately follows the signature page hereof. 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 thereunto duly authorized. Greenwich Capital Acceptance, Inc. (Depositor) /s/ Thomas J. Conway Thomas J. Conway, Senior Vice President Date: January 2, 2007 EXHIBIT INDEX Exhibit Number Description EX-99.1 Monthly report distributed to holders of HarborView Mortgage Loan Trust 2006-10, relating to the December 19, 2006 distribution. EX-99.2 Clayton Credit Risk Manager Report EX-99.1 HarborView Mortgage Loan Trust Mortgage-Backed Certificates Distribution Date: 12/19/2006 HarborView Mortgage Loan Trust Mortgage-Backed Certificates Series 2006-10 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660

Prepayment Rates

EX-99.2 (logo) CLAYTON HarborView 2006-10 Credit Risk Management Report December 2006 c 2006 Clayton Fixed Income Services Inc. All rights reserved The information contained in this Report is based upon a specific point in time and reflects performance solely through that point in time. It does not forecast the performance of the portfolio in the future. The information in this Report is not investment advice concerning a particular portfolio or security, and no mention of a particular security in this Report constitutes a recommendation to buy, sell, or hold that or any other security. The Report is based upon information provided to Clayton Fixed Income Services Inc. by third parties and therefore Clayton Fixed Income Services Inc. cannot, and does not, warrant that the information contained in this Report is accurate or complete. c 2006 Clayton Fixed Income Services Inc. All rights reserved. Table of Contents Section One Executive Summary Section Two Loan-Level Report Section Three Prepayment Penalty Analysis Section Four Mortgage Insurance Report Section Five Loss Analysis Section Six Analytics c 2006 Clayton Fixed Income Services Inc. All rights reserved Section One Executive Summary HarborView 2006-10 Executive Summary December 2006 Transaction Summary Closing Date: 11/13/2006 Depositor: Greenwich Capital Acceptance Inc. Trustee(s): Wells Fargo, N.A. Servicer(s): GMAC Mortgage Mortgage Insurer(s): GEMICO, Genworth Financial, Mortgage Guaranty Insurance Corporation, PMI Mortgage Insurance Co., Radian Guaranty, Republic Mortgage Insurance Company, Triad Guaranty Insurance Company, United Guaranty Residential Insurance Company Delinquency Reporting Method: OTS^0

0 OTS Method: A current loan becomes 30 days delinquent if the scheduled payment is not made by the close of business on the corresponding day of the following month. Similarly for 60 days delinquent and the second immediately succeeding month and 90 days delinquent and the third immediately succeeding month. Value Added Total Value Added for Harborview 2006-10 as of 12/20/2006 Issues Amount Recovered 0 $0 Collateral Statistics

Prepayments

Prepayment Penalty Analysis For each remittance, Clayton reconciles the prepayment penalties that are collected by the servicers and remitted to the trust to ensure all appropriate funds are passed to the certificateholders. Please refer to the Prepayment Penalty Analysis section of this report for details regarding loans with prepayment penalty flags that were paid in full. The table below provides a summary of Clayton's reconciliation for this remittance.

Mortgage Insurance Clayton actively monitors mortgage insurance (MI) coverage for this deal. Each month, loans with MI coverage are reviewed to ensure that the servicer has followed the appropriate claim filing process, that appropriate claims are paid, and that appropriate proceeds are remitted to the trust. The Mortgage Insurance Watchlist consists of all claims pending for 60+ days. Clayton monitors these claims to ensure that the servicer and MI company are proceeding to resolve the pending claims. Clayton also reviews each coverage rescission to ensure the findings were warranted and disputes them if discrepancies are found. Please refer to the Mortgage Insurance Report section for information regarding MI coverage for this deal. Loss Analysis Loss Issues for Current Month For each remittance, Clayton analyzes each loan-level loss to ensure that the accurate amount of sale, MI, and hazard insurance proceeds are remitted to the trust. We also review these losses to ensure servicing advances, such as escrow advances and foreclosure fees, are reasonable. If any discrepancies are identified, Clayton actively pursues the servicer to mitigate the loss. Please refer to the Loss Analysis section of this report for details regarding losses to the security. Below is a summary of the losses passed through in this remittance. Loss Summary

c 2006 Clayton Fixed Income Services Inc. All rights reserved Section Two Loan-Level Report Loan-Level Report Definitions FICOr : Represents the borrower's credit score at the time of securitization/origination. Last Paid Date: Either the interest paid-through date or the last contractually due payment made by the borrower. Clayton Fixed Income Services Inc. uses this date to calculate delinquencies. Valuation: Represents what is believed to be the most accurate known value of a property based on Clayton Fixed Income Services Inc.'s internal formulas. Several value appraisals may exist for a property, yet only what is believed to be the most accurate value according to these formulas is shown on the report. When no value is available, a valuation known as an "internal estimate" is calculated according to an internal formula that adjusts the original value of the property by the Housing Price Index (HPI) and a discount based on credit class. Liquidation Date: Clayton Fixed Income Services Inc.'s internal estimate of the date on which the loan will liquidate if it proceeds through foreclosure and REO. This date takes into consideration servicing and state foreclosure timelines, as well as an estimated REO marketing period. Estimated Loss/(Gain): Clayton Fixed Income Services Inc.'s internal estimate of the loss (or gain) that the loan will experience if it liquidates on the Liquidation Date. Delinquency Status: Indicates the monthly payment and delinquency history for an individual loan. The right-most character specifies the last known delinquency status, according to the following: C The contractually due payment arrived on time. 3 The contractually due payment has not arrived within thirty days. 6 The contractually due payment has not arrived within sixty days. 9 The contractually due payment has not arrived within ninety days. F The property is in the process of foreclosure. R The property is real estate owned (REO). 0 The mortgage has either liquidated or been paid off. OTS Delinquency Method: A current loan becomes 30 days delinquent if the scheduled payment is not made by the close of business on the corresponding day of the following month. MBA Delinquency Method: A current loan becomes 30 days delinquent if the scheduled payment is not made by the close of business on the last day of the month in which the payment was due. Harborview 2006-10 Credit Risk Manager Report Mortgage Data Through: November 30, 2006 Watchlist

Harborview 2006-10 Paid-Off Mortgages With Prepayment Flags Trustee Remittance Date: December 20, 2006

c 2006 Clayton Fixed Income Services Inc. All rights reserved Section Four Mortgage Insurance Report Harborview 2006-10 Mortgage Insurance Claim Summary Mortgage Data Through: November 30, 2006 Claim Payment Breakdown # of Loans Dollar Amount Claims Paid: 0 $0 Claims Pending: 1 0 $0 Claims Rescinded: 2 0 $0 Claims Without Payment:2 0 $0 Claims Denied:2 0 $0 Claims Withdrawn: 2 0 $0 Age of Pending Claims

1 Estimate based on internal calculations. 2 Estimated claim payment if the claim had been paid. Harborview 2006-10 Mortgage Insurance Claims Mortgage Data Through: November 30, 2006

c 2006 Clayton Fixed Income Services Inc. All rights reserved Section Five Loss Analysis Harborview 2006-10 Historical Monthly Losses Losses Through: November 30, 2006 Date Loan Loss Amount Loss Percentage 12/20/2006 $0.00 0.00% 11/20/2006 $0.00 0.00% Totals: $0.00 0.00% *The loss percentage is a calculation of the total monthly loss as a percentage of the original balance of the security. Harborview 2006-10 Loss Reconciliation Report Trustee Remittance Date: December 20, 2006 Remittance Statement Summary 12/20/2006 $0 Loan-Level Losses: $0 Subsequent Losses: $0 Subsequent Gains: $0 Monthly Security Loss: $0 Losses Remitted: $0 Difference: $0 Loan Number Loss Loan Number Loss Loan Number Loss Category Total: $0 Harborview 2006-10 Loss Report Losses Through: November 30, 2006

c 2006 Clayton Fixed Income Services Inc. All rights reserved Section Six Analytics Harborview 2006-10 Delinquencies by Balance and Count Mortgage Data Through: November 30, 2006 Total Delinquencies as a Total Delinquencies as a Percentage of Original Loans Percentage of Active Loans Percentage by Percentage by Percentage by Percentage by Date Balance Count Balance Count 10/31/2006 0.00% 0.00% 0.00% 0.00% 11/30/2006 0.32% 0.29% 0.32% 0.29% Harborview 2006-10 Delinquencies by Origination Characteristics Mortgage Data Through: November 30, 2006

Harborview 2006-10 Severe Delinquencies for Top Five States Mortgage Data Through: November 30, 2006

HarborView 2006-10 10-D