Exhibit 99.40
| 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 | 710 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 709 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 41 | XXXX | XXXX | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 103 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 306 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 301 | XXXX | XXXX | C | C | C | N/A | C | B | B | B | N/A | B | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 303 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 144 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 302 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 300 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 121 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 156 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 285 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 305 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 307 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 304 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 552 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 579 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 569 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |
| XXXX | 544 | XXXX | XXXX | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 543 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 535 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 546 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 628 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 626 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |
| XXXX | 534 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 533 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 570 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 536 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 545 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 539 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 526 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | D | D | D | N/A | D | D | D | D | N/A | D | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 359 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |
| XXXX | 360 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 541 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | N/A | A | N/A | N/A | N/A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |
| XXXX | 537 | XXXX | XXXX | C | C | C | N/A | C | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 542 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 538 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 627 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 574 | XXXX | XXXX | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 572 | XXXX | XXXX | A | A | A | N/A | A | C | C | C | N/A | C | N/A | A | N/A | N/A | N/A | C | C | C | N/A | C | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |
| XXXX | 573 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 629 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 701 | XXXX | XXXX | D | D | D | N/A | D | C | C | C | N/A | C | A | A | A | N/A | A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| XXXX | 613 | XXXX | XXXX | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B | A | A | A | N/A | A | B | B | B | N/A | B |
| XXXX | 700 | XXXX | XXXX | D | D | D | N/A | D | A | A | A | N/A | A | N/A | C | N/A | N/A | N/A | D | D | D | N/A | D | A | A | A | N/A | A | A | A | A | N/A | A | N/A | A | N/A | N/A | N/A | A | A | A | N/A | A |