EX-99.19 20 ex99-19.htm IB FINAL GRADING SUMMARY
 

Angel Oak Mortgage Trust 2024-4 ABS-15G

 

Exhibit 99.19

 

 

 

Loan ID (Purchasing Lender) Loan Number (Selling Lender) Final Overall Event Level S&P Initial Overall Rating S&P Final Overall Rating S&P Initial Credit Grade S&P Final Credit Grade S&P Initial Compliance Grade S&P Final Compliance Grade S&P Initial Property Grade S&P Final Property Grade Fitch Initial Overall Rating Fitch Final Overall Rating Fitch Initial Credit Grade Fitch Final Credit Grade Fitch Initial Compliance Grade Fitch Final Compliance Grade Fitch Initial Property Grade Fitch Final Property Grade Moodys Initial Overall Rating Moodys Final Overall Rating Moodys Initial Credit Grade Moodys Final Credit Grade Moodys Initial Compliance Grade Moodys Final Compliance Grade Moodys Initial Property Grade Moodys Final Property Grade Kroll Initial Overall Rating Kroll Final Overall Rating Kroll Initial Credit Grade Kroll Final Credit Grade Kroll Initial Compliance Grade Kroll Final Compliance Grade Kroll Initial Property Grade Kroll Final Property Grade DBRS Initial Overall Rating DBRS Final Overall Rating DBRS Initial Credit Grade DBRS Final Credit Grade DBRS Initial Compliance Grade DBRS Final Compliance Grade DBRS Initial Property Grade DBRS Final Property Grade State Lien Position Loan Purpose QM Designation Type
2024040637 XXX 2 C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A XXX 1 XXX Non-QM / Compliant
2024040641 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Not Covered / Exempt
2024040642 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040640 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Not Covered / Exempt
2024040638 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Non-QM / Compliant
2024040643 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040639 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Non-QM / Compliant
2024040701 XXX 2 C B C B C A A A C B C B C A A A C B C B C A A A C B C B C A A A C B C B C A A A XXX 1 XXX Non-QM / Compliant
2024040700 XXX 1 C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A XXX 1 XXX Non-QM / Compliant
2024040644 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Non-QM / Compliant
2024040645 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Not Covered / Exempt
2024040646 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Not Covered / Exempt
2024040649 XXX 2 C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A XXX 1 XXX Non-QM / Compliant
2024040647 XXX 2 C B C A C B A A C B C A C B A A C B C A C B A A C B C A C B A A C B C A C B A A XXX 1 XXX Non-QM / Compliant
2024040651 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Non-QM / Compliant
2024040648 XXX 2 D B C A D B A A D B C A D B A A D B C A D B A A D B C A D B A A D B C A D B A A XXX 1 XXX Non-QM / Compliant
2024040650 XXX 2 C B C A C B A A C B C A C B A A C B C A C B A A C B C A C B A A C B C A C B A A XXX 1 XXX Non-QM / Compliant
2024040691 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040692 XXX 1 B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A XXX 1 XXX Not Covered / Exempt
2024040690 XXX 1 A A A A A A A A A A A A A A A A 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 1 XXX Not Covered / Exempt
2024040693 XXX 1 B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A XXX 1 XXX Not Covered / Exempt
2024040689 XXX 1 C A B A C A A A C A B A C A A A C A B A C A A A C A B A C A A A C A B A C A A A XXX 1 XXX Not Covered / Exempt
2024040593 XXX 2 D B D B C A A A D B D B C A A A D B D B C A A A D B D B C A A A D B D B C A A A XXX 1 XXX Not Covered / Exempt
2024040594 XXX 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A XXX 1 XXX Non-QM / Compliant
2024040590 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Non-QM / Compliant
2024040592 XXX 2 C B C B B B A A C B C B B B A A C B C B B B A A C B C B B B A A C B C B B B A A XXX 1 XXX Not Covered / Exempt
2024040591 XXX 2 D B D A C A C B D B D A C A C B D B D A C A C B D B D A C A C B D B D A C A C B XXX 1 XXX Non-QM / Compliant
2024040589 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Non-QM / Compliant
2024040652 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Not Covered / Exempt
2024040597 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Not Covered / Exempt
2024040599 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Non-QM / Compliant
2024040595 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040596 XXX 2 C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A XXX 1 XXX Not Covered / Exempt
2024040598 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Non-QM / Compliant
2024040653 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040656 XXX 2 C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A XXX 1 XXX Not Covered / Exempt
2024040654 XXX 1 C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A C A C A A A A A XXX 1 XXX Not Covered / Exempt
2024040657 XXX 2 C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A C B C B A A A A XXX 1 XXX Non-QM / Compliant
2024040655 XXX 2 C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A C B A A XXX 1 XXX Non-QM / Compliant
2024040694 XXX 1 C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A C A C A C A A A XXX 1 XXX Not Covered / Exempt
2024040683 XXX 2 C B C A A A B B C B C A A A B B C B C A A A B B C B C A A A B B C B C A A A B B XXX 1 XXX Non-QM / Compliant
2024040676 XXX 1 C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A XXX 1 XXX Non-QM / Compliant
2024040677 XXX 1 C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A C A XXX 1 XXX Non-QM / Compliant