EX-99.1 6 exhibit991-5.htm EXHIBIT 99.1, SCHEDULE 5 - RATING AGENCY GRADE REPORT

Dummy ID
Loan Number
Original Loan Amount
State
Note Date
Occupancy
Purpose
Final Overall Agency Grade
Final Overall Credit Grade
Final Overall Compliance Grade
Final Overall Property Grade
DBRS INITIAL Overall Agency Grade
DBRS FINAL Overall Agency Grade
DBRS INITIAL Credit Grade
DBRS FINAL Credit Grade
DBRS INITIAL Compliance Grade
DBRS FINAL Compliance Grade
DBRS INITIAL Property Grade
DBRS FINAL Property Grade
FITCH INITIAL Overall Agency Grade
FITCH FINAL Overall Agency Grade
FITCH INITIAL Credit Grade
FITCH FINAL Credit Grade
FITCH INITIAL Compliance Grade
FITCH FINAL Compliance Grade
FITCH INITIAL Property Grade
FITCH FINAL Property Grade
KROLL INITIAL Overall Agency Grade
KROLL FINAL Overall Agency Grade
KROLL INITIAL Credit Grade
KROLL FINAL Credit Grade
KROLL INITIAL Compliance Grade
KROLL FINAL Compliance Grade
KROLL INITIAL Property Grade
KROLL FINAL Property Grade
MOODY's INITIAL Overall Agency Grade
MOODY's FINAL Overall Agency Grade
MOODY's INITIAL Credit Grade
MOODY's FINAL Credit Grade
MOODY's INITIAL Compliance Grade
MOODY's FINAL Compliance Grade
MOODY's INITIAL Property Grade
MOODY's FINAL Property Grade
S&P INITIAL Overall Agency Grade
S&P FINAL Overall Agency Grade
S&P INITIAL Credit Grade
S&P FINAL Credit Grade
S&P INITIAL Compliance Grade
S&P FINAL Compliance Grade
S&P INITIAL Property Grade
S&P FINAL Property Grade
0424PJUKHX0
xx
xx
Florida
xx
Investor
Purchase
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
0VGE3KAKPZW
xx
xx
Florida
xx
Primary
Purchase
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
22SV1UPP5FA
xx
xx
Texas
xx
Investor
Purchase
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
5N35XYB1OME
xx
xx
Massachusetts
xx
Investor
Cash Out
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
A0AXJIT53NW
xx
xx
California
xx
Secondary
Cash Out
A
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
D
A
CA
CA
RD
RA
VA
VA
B00KUQDUV0Y
xx
xx
Texas
xx
Primary
Purchase
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
B2EUTG1RNDL
xx
xx
Michigan
xx
Primary
Cash Out
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
CFJDKD1D3DX
xx
xx
Texas
xx
Investor
Purchase
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
GSRYJS2BXI1
xx
xx
Utah
xx
Primary
Purchase
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
HLUDKY10UK2
xx
xx
Florida
xx
Investor
Refinance
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
JFOZEBJDUZC
xx
xx
Connecticut
xx
Primary
Refinance
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
KRPOCJWV3BM
xx
xx
California
xx
Primary
Cash Out
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
KVB5CFJ2UTU
xx
xx
New Jersey
xx
Investor
Purchase
A
A
Not Applicable
A
D
A
D
A
Not Applicable
Not Applicable
A
A
D
A
D
A
Not Applicable
Not Applicable
A
A
D
A
D
A
Not Applicable
Not Applicable
A
A
D
A
D
A
Not Applicable
Not Applicable
A
A
D
A
CD
CA
Not Applicable
Not Applicable
VA
VA
M5UAPTSP3HU
xx
xx
Georgia
xx
Investor
Cash Out
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
MOUY5E5TEWC
xx
xx
Pennsylvania
xx
Investor
Cash Out
B
B
Not Applicable
A
B
B
B
B
Not Applicable
Not Applicable
A
A
B
B
B
B
Not Applicable
Not Applicable
A
A
B
B
B
B
Not Applicable
Not Applicable
A
A
B
B
B
B
Not Applicable
Not Applicable
A
A
B
B
CB
CB
Not Applicable
Not Applicable
VA
VA
OAVIL43W3BS
xx
xx
California
xx
Primary
Purchase
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
PEZ1UM4C0RQ
xx
xx
Texas
xx
Investor
Cash Out
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
PNSW5AXXBZO
xx
xx
Texas
xx
Primary
Purchase
B
B
A
A
B
B
B
B
B
A
A
A
B
B
B
B
B
A
A
A
B
B
B
B
B
A
A
A
B
B
B
B
B
A
A
A
B
B
CB
CB
RB
RA
VA
VA
QLGNP2CPV5Q
xx
xx
Texas
xx
Investor
Cash Out
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
RABXLRUWVAV
xx
xx
California
xx
Primary
Cash Out
A
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
B
A
CA
CA
RB
RA
VA
VA
SQLQSPYHXEN
xx
xx
Pennsylvania
xx
Investor
Cash Out
B
B
Not Applicable
A
C
B
C
B
Not Applicable
Not Applicable
A
A
C
B
C
B
Not Applicable
Not Applicable
A
A
C
B
C
B
Not Applicable
Not Applicable
A
A
C
B
C
B
Not Applicable
Not Applicable
A
A
C
B
CC
CB
Not Applicable
Not Applicable
VA
VA
V43T5BPCRJO
xx
xx
Connecticut
xx
Investor
Cash Out
A
A
Not Applicable
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
A
A
Not Applicable
Not Applicable
A
A
A
A
CA
CA
Not Applicable
Not Applicable
VA
VA
XM5IUPWD5H2
xx
xx
Nevada
xx
Primary
Purchase
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
CA
CA
RA
RA
VA
VA
YB1BX3BKNOL
xx
xx
Illinois
xx
Primary
Purchase
B
B
A
A
C
B
C
B
B
A
A
A
C
B
C
B
B
A
A
A
C
B
C
B
B
A
A
A
C
B
C
B
B
A
A
A
C
B
CC
CB
RB
RA
VA
VA