I was thinking XF-40
To me Xf has wear on the high points of Lincoln's head and face, which this has.
Although there is something going on at the lapel of the coat, rub? And interesting flow lines at the back of the coat going into the fields of liberty. Also something with the "b" in pluribus on the reverse.
But overall a very nice looking coin, I would have no problem paying lower XF price for this coin.