EX-99.12 13 exhibit99-12.htm CONSOLIDATED ANALYTICS RATING AGENCY GRADES SUMMARY REPORT
Loan ID
Seller Loan ID
Investor Loan ID
Original Loan Amount
Initial Credit Loan Grades DBRS
Initial Credit Loan Grades Fitch
Initial Credit Loan Grades Kroll
Initial Credit Loan Grades Moody's
Initial Credit Loan Grades S&P
Initial Compliance Loan Grades DBRS
Initial Compliance Loan Grades Fitch
Initial Compliance Loan Grades Kroll
Initial Compliance Loan Grades Moody's
Initial Compliance Loan Grades S&P
Initial Property Loan Grades DBRS
Initial Property Loan Grades Fitch
Initial Property Loan Grades Kroll
Initial Property Loan Grades Moody's
Initial Property Loan Grades S&P
Initial Overall Loan Grades DBRS
Initial Overall Loan Grades Fitch
Initial Overall Loan Grades Kroll
Initial Overall Loan Grades Moody's
Initial Overall Loan Grades S&P
Final Credit Loan Grades DBRS
Final Credit Loan Grades Fitch
Final Credit Loan Grades Kroll
Final Credit Loan Grades Moody's
Final Credit Loan Grades S&P
Final Compliance Loan Grades DBRS
Final Compliance Loan Grades Fitch
Final Compliance Loan Grades Kroll
Final Compliance Loan Grades Moody's
Final Compliance Loan Grades S&P
Final Property Loan Grades DBRS
Final Property Loan Grades Fitch
Final Property Loan Grades Kroll
Final Property Loan Grades Moody's
Final Property Loan Grades S&P
Final Overall Loan Grades DBRS
Final Overall Loan Grades Fitch
Final Overall Loan Grades Kroll
Final Overall Loan Grades Moody's
Final Overall Loan Grades S&P
2401000011
    
$XXXXXX
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000013
    
$XXXXXX
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000015
XXXXX
  
$XXXXXX
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000017
XXXXX
  
$XXXXXX
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000019
XXXXX
  
$XXXXXX
D
D
D
D
D
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000021
XXXXX
  
$XXXXXX
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000023
XXXXX
  
$XXXXXX
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000025
XXXXX
  
$XXXXXX
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000027
XXXXX
  
$XXXXXX
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000029
XXXXX
  
$XXXXXX
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000031
XXXXX
  
$XXXXXX
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
2401000033
XXXXX
  
$XXXXXX
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000035
XXXXX
  
$XXXXXX
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000037
XXXXX
  
$XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000039
XXXXX
  
$XXXXXX
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000041
XXXXX
  
$XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000043
XXXXX
  
$XXXXXX
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000045
XXXXX
  
$XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000047
XXXXX
  
$XXXXXX
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000049
XXXXX
  
$XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A