Exhibit 99.4 Schedule 3

 

Rating Agency Grades
Run Date - 8/14/2026 9:25:22 AM
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
Marketing ID AMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Deal Number Original Loan Amount DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar
814 XX XX 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  
902 XX XX 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  
901 XX XX 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  
900 XX XX 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  
816 XX XX 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 B   B B B B B  
830 XX XX 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  
827 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
843 XX XX 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  
862 XX XX 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  
867 XX XX XX   XX XX A A A A A   N/A N/A N/A N/A N/A   D D D D D   D D D D D   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  
878 XX XX 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  
853 XX XX 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  
890 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
885 XX XX 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  
868 XX XX 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  
869 XX XX 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  
852 XX XX 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  
839 XX XX 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  
820 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
881 XX XX 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  
879 XX XX 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  
861 XX XX 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  
893 XX XX 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  
883 XX XX 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  
815 XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
907 XX XX XX   XX XX 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  
821 XX XX XX   XX XX C C C C C   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  
823 XX XX XX   XX XX A A A A A   A A A A A   B B B B B   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  
909 XX XX XX   XX XX 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  
908 XX XX XX   XX XX C C C C C   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  
848 XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
832 XX XX XX   XX XX B B B B B   C C C C C   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  
Dropped XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
857 XX XX XX   XX XX A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
831 XX XX XX   XX XX C C C C C   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  
854 XX XX XX   XX XX 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  
875 XX XX XX   XX XX 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  
882 XX XX XX   XX XX 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  
870 XX XX XX   XX XX 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  
865 XX XX XX   XX XX 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  
887 XX XX XX   XX XX A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
892 XX XX XX   XX XX C C C C C   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  
846 XX XX XX   XX XX C C C C C   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  
894 XX XX XX   XX XX 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  
822 XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
847 XX XX XX   XX XX C C C C C   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  
899 XX XX XX   XX XX A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
824 XX XX XX   XX XX 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  
910 XX XX XX   XX XX C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   B B B B B   A A A A A   B B B B B  
858 XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
836 XX XX XX   XX XX 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  
835 XX XX XX   XX XX 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  
842 XX XX XX   XX XX 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  
884 XX XX XX   XX XX C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   B B B B B   A A A A A   B B B B B  
872 XX XX XX   XX XX B B B B B   C C C C C   A A A A A   C C C C C   A A A A A   B B B B B   A A A A A   B B B B B  
841 XX XX XX   XX XX D D D D D   C C C C C   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  
833 XX XX XX   XX XX 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  
895 XX XX XX   XX XX A A A A 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  
904 XX XX 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  
850 XX XX XX   XX XX C C C C D   N/A N/A N/A N/A N/A   A A A A A   C C C C D   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  
837 XX XX 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  
844 XX XX XX   XX XX 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   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  
873 XX XX 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  
903 XX XX 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  
911 XX XX 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  
896 XX XX 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  
898 XX XX 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  
864 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
877 XX XX 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  
897 XX XX XX   XX XX 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  
866 XX XX XX   XX XX 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  
817 XX XX XX   XX XX C C C C C   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  
819 XX XX XX   XX XX C C C C C   C C C C C   B B B B B   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  
905 XX XX XX   XX XX 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  
818 XX XX XX   XX XX 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   B B B B B   A A A A A   B B B B B  
912 XX XX XX   XX XX 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  
825 XX XX XX   XX XX 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  
834 XX XX XX   XX XX 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  
871 XX XX XX   XX XX C C C C C   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  
851 XX XX XX   XX XX 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  
826 XX XX XX   XX XX 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  
860 XX XX XX   XX XX 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  
886 XX XX XX   XX XX 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  
880 XX XX XX   XX XX C C C C D   C C C C C   B B B B B   C C C C D   A A A A A   B B B B B   A A A A A   B B B B B  
859 XX XX 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  
855 XX XX 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  
913 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
856 XX XX 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  
829 XX XX 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  
849 XX XX 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  
888 XX XX 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  
845 XX XX 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  
876 XX XX 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  
863 XX XX 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  
906 XX XX 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  
891 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
889 XX XX 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  
874 XX XX XX   XX XX D D D D D   N/A N/A N/A N/A N/A   A A A A A   D D D D D   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  
840 XX XX 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