Vista Point Assets LLC ABS-15G

Exhibit 99.3 - Schedule 2

 

TPR Firm: Report Date: 7/7/2025
Client Name: Vista Point Mortgage Report: Rating Agency Grades
Deal Name: VSTA 2025-CES2 Loans in report: 136

 

 

          INITIAL CREDIT GRADES INITIAL COMPLIANCE GRADES INITIAL PROPERTY GRADES INITIAL OVERALL LOAN GRADES FINAL CREDIT GRADES FINAL COMPLIANCE GRADES FINAL PROPERTY GRADES FINAL OVERALL LOAN GRADES
Incenter Loan ID Client Loan ID Seller Loan ID Investor Loan ID Original Loan Amount DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P DBRS Fitch Kroll Moodys S&P
XXX 337341 XXX XXX XXX 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
XXX 314701 XXX XXX XXX D D D D D D D D D D 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
XXX 375431 XXX XXX XXX D D D D D D D D D D 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
XXX 301671 XXX XXX XXX A A A A A A A A A A D D D D D 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
XXX 399071 XXX XXX XXX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
XXX 394612 XXX XXX XXX A A A A A D D D D D 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
XXX 330500 XXX XXX XXX 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
XXX 331837 XXX XXX XXX 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
XXX 350373 XXX XXX XXX 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
XXX 305704 XXX XXX XXX 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
XXX 381448 XXX XXX XXX 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
XXX 363395 XXX XXX XXX 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
XXX 369027 XXX XXX XXX 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
XXX 360413 XXX XXX XXX 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
XXX 368992 XXX XXX XXX C C C C C B B B B B D D D D D 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
XXX 356964 XXX XXX XXX D D D D D D D D D D C C C C C 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
XXX 357275 XXX XXX XXX 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
XXX 327624 XXX XXX XXX 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
XXX 305634 XXX XXX XXX A A A A A B B B B B C C C C C 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
XXX 351166 XXX XXX XXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A B B B B B B B B B B
XXX 307749 XXX XXX XXX C C C C C C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
XXX 310789 XXX XXX XXX D D D D D B B B B B C C C C C D D D D D A A A A A A A A A A B B B B B B B B B B
XXX 364945 XXX XXX XXX 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
XXX 379848 XXX XXX XXX 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
XXX 370020 XXX XXX XXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A B B B B B B B B B B
XXX 360656 XXX XXX XXX D D D D D D D D D D C C C C C 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
XXX 346532 XXX XXX XXX 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
XXX 356768 XXX XXX XXX 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
XXX 373401 XXX XXX XXX 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
XXX 392223 XXX XXX XXX C C C C C C C C C C C C C C C 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
XXX 303031 XXX XXX XXX 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
XXX 328998 XXX XXX XXX D D D D D A A A A A D D D D D D D D D D A A A A A A A A A A B B B B B B B B B B
XXX 358196 XXX XXX XXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
XXX 371466 XXX XXX XXX 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
XXX 333748 XXX XXX XXX 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
XXX 349105 XXX XXX XXX D D D D D D D D D D N/A A N/A N/A C D D D D D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 367252 XXX XXX XXX D D D D D D D D D D 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
XXX 344873 XXX XXX XXX 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
XXX 330042 XXX XXX XXX 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
XXX 381098 XXX XXX XXX D D D D D D D D D D 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
XXX 395246 XXX XXX XXX D D D D D D D D D D 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
XXX 362269 XXX XXX XXX C C C C C B B B B B 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
XXX 334371 XXX XXX XXX 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
XXX 395706 XXX XXX XXX 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
XXX 391682 XXX XXX XXX D D D D D D D D D D 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
XXX 360723 XXX XXX XXX 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
XXX 312235 XXX XXX XXX 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
XXX 365928 XXX XXX XXX A A A A A D D D D D 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
XXX 374986 XXX XXX XXX D D D D D D D D D D C C C C C 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
XXX 370800 XXX XXX XXX A A A A A A A A A A N/A A N/A N/A C A A A A C A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 345886 XXX XXX XXX 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
XXX 331869 XXX XXX XXX 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
XXX 398188 XXX XXX XXX 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
XXX 362426 XXX XXX XXX C C C C C D D D D D C C C C C 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
XXX 334144 XXX XXX XXX A A A A A A A A A A N/A A N/A N/A C A A A A C A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 345123 XXX XXX XXX 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
XXX 391899 XXX XXX XXX 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
XXX 332078 XXX XXX XXX 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
XXX 318018 XXX XXX XXX 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
XXX 352001 XXX XXX XXX 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
XXX 320874 XXX XXX XXX 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
XXX 326895 XXX XXX XXX 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
XXX 340319 XXX XXX XXX B B B B B D D D D D 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
XXX 379332 XXX XXX XXX 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
XXX 350567 XXX XXX XXX A A A A A D D D D D N/A A N/A N/A C D D D D D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 334194 XXX XXX XXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A B B B B B B B B B B
XXX 326363 XXX XXX XXX A A A A A D D D D D 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
XXX 387656 XXX XXX XXX C C C C C A A A A A N/A A N/A N/A C C C C C C A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 363082 XXX XXX XXX D D D D D D D D D D 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
XXX 336255 XXX XXX XXX 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
XXX 365234 XXX XXX XXX A A A A A D D D D D 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
XXX 305878 XXX XXX XXX D D D D D A A A A A C C C C C 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
XXX 349777 XXX XXX XXX 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
XXX 325852 XXX XXX XXX 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
XXX 344490 XXX XXX XXX C C C C C C C C C C N/A D N/A N/A D C D C C D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 339966 XXX XXX XXX 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
XXX 320593 XXX XXX XXX A A A A A A A A A A C C C C C 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
XXX 383510 XXX XXX XXX A A A A A A A A A A N/A A N/A N/A C A A A A C A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 355346 XXX XXX XXX C C C C C D D D D D N/A A N/A N/A C D D D D D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 389006 XXX XXX XXX D D D D D A A A A A C C C C C 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
XXX 388201 XXX XXX XXX C C C C C B B B B B 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
XXX 359317 XXX XXX XXX 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
XXX 338886 XXX XXX XXX C C C C C D D D D D 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
XXX 308610 XXX XXX XXX 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
XXX 339763 XXX XXX XXX A A A A A A A A A A C C C C C 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
XXX 369351 XXX XXX XXX C C C C C A A A A A C C C C C 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
XXX 308005 XXX XXX XXX 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
XXX 375452 XXX XXX XXX 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
XXX 373701 XXX XXX XXX 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
XXX 327020 XXX XXX XXX D D D D D D D D D D 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
XXX 306941 XXX XXX XXX 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
XXX 346071 XXX XXX XXX 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
XXX 336429 XXX XXX XXX 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
XXX 367443 XXX XXX XXX A A A A A D D D D D N/A A N/A N/A C D D D D D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 320860 XXX XXX XXX 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
XXX 306993 XXX XXX XXX D D D D D D D D D D A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
XXX 360896 XXX XXX XXX C C C C C D D D D D 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
XXX 315988 XXX XXX XXX A A A A A D D D D D 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
XXX 378971 XXX XXX XXX C C C C C A A A A A C C C C C 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
XXX 362259 XXX XXX XXX D D D D D D D D D D 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
XXX 331595 XXX XXX XXX 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
XXX 374062 XXX XXX XXX 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
XXX 310385 XXX XXX XXX A A A A A D D D D D 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
XXX 318543 XXX XXX XXX 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
XXX 341505 XXX XXX XXX C C C C C D D D D D 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
XXX 328294 XXX XXX XXX 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
XXX 309900 XXX XXX XXX D D D D D D D D D D 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
XXX 376863 XXX XXX XXX 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
XXX 351869 XXX XXX XXX C C C C C D D D D D 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
XXX 341389 XXX XXX XXX C C C C C D D D D D 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
XXX 362701 XXX XXX XXX C C C C C D D D D D 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
XXX 310878 XXX XXX XXX 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
XXX 392331 XXX XXX XXX C C C C C D D D D D 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
XXX 358856 XXX XXX XXX C C C C C D D D D D A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
XXX 303094 XXX XXX XXX C C C C C D D D D D 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
XXX 306308 XXX XXX XXX D D D D D D D D D D 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
XXX 360737 XXX XXX XXX C C C C C D D D D D 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
XXX 316946 XXX XXX XXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
XXX 318088 XXX XXX XXX 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
XXX 366910 XXX XXX XXX 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
XXX 345201 XXX XXX XXX 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
XXX 331688 XXX XXX XXX A A A A A D D D D D N/A A N/A N/A C D D D D D A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 363968 XXX XXX XXX C C C C C B B B B B 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
XXX 351016 XXX XXX XXX 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
XXX 306543 XXX XXX XXX 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
XXX 345454 XXX XXX XXX D D D D D D D D D D D D D D D 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
XXX 321841 XXX XXX XXX 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
XXX 378039 XXX XXX XXX 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
XXX 386333 XXX XXX XXX D D D D D D D D D D 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
XXX 324752 XXX XXX XXX D D D D D D D D D D 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
XXX 399701 XXX XXX XXX 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
XXX 395767 XXX XXX XXX 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
XXX 399840 XXX XXX XXX A A A A A A A A A A N/A A N/A N/A C A A A A C A A A A A A A A A A N/A A N/A N/A C A A A A C
XXX 328694 XXX XXX XXX A A A A A D D D D D 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
XXX 316424 XXX XXX XXX 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
XXX 319796 XXX XXX XXX 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