Exhibit 99.05 Schedule 3
| Rating Agency Grades: 9/1/2026 | ||||||||||||||||||||||||||||||||||||||||||
| Loan Information | Initial Credit Grades | Initial Compliance Grades | Initial Property Grades | Initial Overall Grades | Final Credit Grades | Final Compliance Grades | Final Property Grades | Final Overall Grades | ||||||||||||||||||||||||||||||||||
| Loan Number | Alternate Loan ID | Note Original Balance | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P | DBRS | KBRA | Fitch | Moody's | S&P |
| 6000083321 | XXXXXXX | XXXXXXX | 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 |
| 6000083363 | XXXXXXX | XXXXXXX | 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 |