J.P. Morgan Mortgage Trust 2025-6 ABS-15G
Exhibit 99.13
| Seller Name | JPM Loan ID | Seller Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status | Moody's Initial Exception Grade | Moody's Final Exception Level Grade | Fitch Initial Exception Grade | Fitch Final Exception Level Grade | S&P Initial Exception Grade | S&P Final Exception Level Grade | Kroll Initial Exception Grade | Kroll Final Exception Level Grade | DBRS Initial Exception Grade | DBRS Final Exception Level Grade |
| ### | 304682177 | ### | 1107130 | 04/28/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 3 | 2 | Acknowledged | Missing valid COC for increase in Appraisal Fee from $950 to $1,300 on CD issued (date). Missing reason for increase from $950 to $1150. Appraisal increased from $1150 to $1300 due to travel fee of $150. An additional $175 fee was added for final inpection. The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on (date): Appraisal Fee, Tax Related Service Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |
Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/02/2025 Restitution refund 04/30/2025 COC was issued on (date) with the LE that had an increase of $225 |
05/05/2025 EV2/B Recd cover letter, PCCD, refund check $350 and courier tracking receipt to evidence package is in transit to borrower within 60 days of consummation. 04/30/2025 Attached COC is insufficient to satisfy the finding. COC is for the re-inspection fee. Missing is the COC for the increase to appraisal fee from $950 originally disclosed to $1150. |
Funded | C | B | C | B | C | B | C | B | C | B | |
| ### | 304682177 | ### | 1107234 | 04/29/2025 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 3 | 1 | Closed | Personal tax returns were obtained for tax years (year) and (year), but the 4506C form only covers years (years). | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 4506 C signed for personal and business to include (year) | 05/01/2025 Exception is cleared with the attached 4506-C forms for borrower individually and for self-employment businesses covering years XXX. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107244 | 04/29/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing final loan approval / 1008 to match (aus) in file. Approval and 1008 in file reflects a qualifying DTI of 33.07%, which excludes the debt service on the departing residence. Review DTI 43.14% < 3% variance from the (aus) approved DTI of 44.83%. | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 1008 corrected | 05/01/2025 Recd updated 1008, DTI 44.82% agrees with the (aus). | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107246 | 04/29/2025 | Credit | Gift Funds not Properly Verified | CRED 0018 | 3 | 1 | Closed | Closing condition required wire confirmation and donor statement showing withdrawal of gift finds. The wire notification is in file. Missing donor statement. | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 (investor) follows (agency) a wire at closing Evidence of the electronic transfer of funds from the donor's account to the closing agent (Source 1) | 05/01/2025 Agree, gift letter and incoming wire notification satisfies agency requirements. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107248 | 04/29/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing letter of explanation addressing the discrepancy between borrowers self-employment businesses start dates: (entity) - Formation Date per SOS (date) / (year) (business tax retrun) reflects (date) (entity) per SOS (date) / (year) (business tax return) reflects (date) Lender inquired with the borrower, but review was unable to locate borrowers response in file. |
05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 LOX from (tax preparer) | 05/01/2025 Recd (tax preparer) letter confirming qualifying self-employment source elected to change entity classification. Change in classification explains formation date discrepancy. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107249 | 04/29/2025 | Credit | Missing P&L | CR 0014 | 3 | 1 | Closed | P&L's are signed by unknown 3rd party, (name). P&L was to be signed by the borrower. | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 Signed P&L | 05/01/2025 Recd borrower singed P&L's. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107252 | 04/29/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 1 | Closed | Missing letter from borrower confirming that the relocation from XXX to XXX will not impact self-employment business, (entity). | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 Prime location for business is in XXX. Tax returns also have the XXX address | 05/01/2025 Attached business profile confirms self-employment is located in XXX. Review confirmed business tax returns also reflects XXX. Relocation from XXX to XXX would not be impacted since the business is already located in XXX. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107286 | 04/29/2025 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 3 | 1 | Closed | Missing confirmation that the borrowers departing residence, (address), does not have any HOA dues. | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 Listing shows no HOA | 05/01/2025 Finding is cleared with the attached screen print from (website) evidencing departing residence does not have any HOA dues. | Funded | C | A | C | A | C | A | C | A | C | A |
| ### | 304682177 | ### | 1107296 | 04/29/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 3 | 1 | Closed | (year) (business tax return) is not signed. 4506C for the borrowers businesses were not provided. | 05/01/2025 | Verified credit history - Middle Credit Score 762 > 660 Minimum Required.; Verified housing payment history - Credit report reflects one open mortgage satisfactorily rated 36 months.; Low LTV/CLTV/HCLTV - 45.95% LTV < 89.99% Max Allowed.; | 05/01/2025 Signed (business tax return) for both businesses | 05/01/2025 Recd (year) signed (business tax returns). | Funded | C | A | C | A | C | A | C | A | C | A |