j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.23
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 304654985 | Closed | 2025-02-14 19:14 | 2025-02-19 13:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. - Buyer-02/18/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows High Uncleared Alerts - Due Diligence Vendor-02/14/2025 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/19/2025 |
XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 3427911 | N/A | N/A | ||||
| XXXX | XXXX | 304654985 | Closed | 2025-02-14 05:32 | 2025-02-14 19:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.746%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 132 and the Final Closing disclosure on Pg#’s 70 reflects escrows. Rate lock date was entered correctly – see Pg#’s 168. An interior and exterior appraisal was completed for this property – see pg 15 , the appraisal disclosure was provided to the borrower(s)- see Pg#’, 222 , and copy of the appraisal was given to the borrower – see Pg#’s 5 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/14/2025 | Resolved-The loan's (11.746%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 132 and the Final Closing disclosure on Pg#’s 70 reflects escrows. Rate lock date was entered correctly – see Pg#’s 168. An interior and exterior appraisal was completed for this property – see pg 15 , the appraisal disclosure was provided to the borrower(s)- see Pg#’, 222 , and copy of the appraisal was given to the borrower – see Pg#’s 5 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/14/2025 |
CT | Primary Residence | Refinance | Cash Out - Other | 3422205 | N/A | N/A | |||||
| XXXX | XXXX | 304654981 | Closed | 2025-02-25 12:25 | 2025-04-23 12:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Loan is a closed end second lien HPML. Escrow is not required. The Final Closing disclosure on Pg#’s __268__ reflects no escrows. Rate lock date was entered correctly – see Pg#’s _456___ An interior and exterior appraisal was completed for this property – see pg __39__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_119__ , and copy of the appraisal was given to the borrower – see Pg#’s _311____ for the copy of the disclosure. The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/23/2025 Rescinded-The loan's (10.69%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Escrow is not required for this type of loan AND XXXX guidelines do not require them specifically either. Finding rescinded. - Due Diligence Vendor-02/25/2025 |
Resolved-Loan is a closed end second lien HPML. Escrow is not required. The Final Closing disclosure on Pg#’s __268__ reflects no escrows. Rate lock date was entered correctly – see Pg#’s _456___ An interior and exterior appraisal was completed for this property – see pg __39__ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_119__ , and copy of the appraisal was given to the borrower – see Pg#’s _311____ for the copy of the disclosure. The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/23/2025 Rescinded-The loan's (10.69%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Escrow is not required for this type of loan AND DH guidelines do not require them specifically either. Finding rescinded. - Due Diligence Vendor-02/25/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 3474721 | N/A | N/A | |||||
| XXXX | XXXX | 304654981 | Closed | 2025-02-25 11:52 | 2025-03-03 17:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. 1008 uploaded for review - Buyer-02/28/2025 Open-The 1008 document is missing from the loan file. Provided 1008 document LTV value wrong. LTV reflecting as 50.912% which is wrong as per loan amount $XXXX and appraisal value $XXXX which equals to LTV 29.08%. - Due Diligence Vendor-02/25/2025 |
Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 |
XXXX | OR | Primary Residence | Refinance | Cash Out - Other | 3474622 | N/A | N/A | ||||
| XXXX | XXXX | 304654965 | Closed | 2025-02-26 07:33 | 2025-03-04 12:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. - Buyer-03/03/2025 Open-The Initial 1003 is Missing Initial 1003 Loan Originator signature missing. - Due Diligence Vendor-02/26/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/04/2025 |
XXXX | NY | Investment | Refinance | Cash Out - Other | 3481882 | N/A | N/A |