Exhibit 99.12
| Loan ID | Redaction 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 |
| XXXX | 1923663 | XXXX | XXXX | 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 | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | 2013531 | XXXX | XXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | 2024328 | XXXX | XXXX | 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 |
| XXXX | 2024323 | XXXX | XXXX | 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 |
| XXXX | 2024326 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2013522 | XXXX | XXXX | 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 |
| XXXX | 2013523 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2013521 | XXXX | XXXX | 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 |
| XXXX | 2024320 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2013699 | XXXX | XXXX | 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 |
| XXXX | 2013698 | XXXX | XXXX | 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 |
| XXXX | 2013701 | XXXX | XXXX | 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 |
| XXXX | 2013700 | XXXX | XXXX | 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 |
| XXXX | 2013697 | XXXX | XXXX | 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 |
| XXXX | 2020156 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2020160 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2020157 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2020158 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2020159 | XXXX | XXXX | 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 |
| XXXX | 2033716 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 2031277 | XXXX | XXXX | 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 |
| XXXX | 2033721 | XXXX | XXXX | 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 |
| XXXX | 2033718 | XXXX | XXXX | 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 |
| XXXX | 2033720 | XXXX | XXXX | 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 |
| XXXX | 2033719 | XXXX | XXXX | 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 |
| XXXX | 2033717 | XXXX | XXXX | 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 |