Exhibit 99.3 Schedule 3

Rating Agency Grades

Run Date - 05/02/2022 1:26:53 PM

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Evolve Loan ID

Customer Loan ID

Seller Loan ID

Original Loan Amount

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

1263072

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263077

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

C

C

C

C

C

C

C

C

C

C

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1281462

XX

XX

XX

C

C

C

C

C

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

C

C

C

C

C

B

B

B

B

B

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

B

B

B

B

B

1264855

XX

XX

XX

C

C

C

C

C

N/A

N/A

N/A

N/A

N/A

C

C

C

C

C

C

C

C

C

C

B

B

B

B

B

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

B

B

B

B

B

1255044

XX

XX

XX

C

C

C

C

C

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

C

C

C

C

C

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263068

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263080

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1264858

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263055

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1275003

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1273246

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1264857

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263084

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1267106

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263052

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1277952

XX

XX

XX

C

C

C

C

C

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

C

C

C

C

C

B

B

B

B

B

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

B

B

B

B

B

1281443

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1274995

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1263090

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1273230

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

C

C

C

C

C

C

C

C

C

C

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1273243

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1277957

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1281451

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1273224

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1281457

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1281459

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

1281444

XX

XX

XX

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

N/A

N/A

N/A

N/A

N/A

A

A

A

A

A

A

A

A

A

A