Exhibit 99.13
J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
| Loan Number | Seller Loan Number | Seller Name | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | ConditionSub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 304840743 | XXXXXX | XXXXXX | 744000.00 | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception as maximum LTV is 75% for a cash out refinance and loan closed at 80% LTV. Loan is considered a cash out as the second trust holder was a company the borrower owns per VOM in file and is a PIK loan which guidelines require the loan be considered a cash out (sec 1.4.1.2).Clayton deems non-material/non-fatal to lending decision due to compensating factors: DTI 36.27/50% maximum, 76.2 months cash reserves/6 required, and credit score of 677/660 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 677 FICO score is above the 660 min. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers 2 years of mortgage history is above the required 1 year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 76.2 months reserves are above the required 6. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.27% is below the maximum allowed of 50%. |
| 304840576 | XXXXXX | XXXXXX | 368000.00 | AK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS5269: Minimal use of credit - Clayton Comments: 8% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11.6 months piti reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has made mortgage payments on time for 3 years. | ||||||||
| 304894209 | XXXXXX | XXXXXX | 112000.00 | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is above the required 740. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $20,248.50, 17.04 months. 3 months required. | ||||||||
| 304894183 | XXXXXX | XXXXXX | 504000.00 | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of771 is above the required 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is below the maximum allowable of 85 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves: $20149.47 or 4.67 months of PITIA. 3 months required. | ||||||||
| 304894160 | XXXXXX | XXXXXX | 448000.00 | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 26 months exceeds the required 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 753. G/l min is 740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 19.99 months piti reserves. 3 required. | ||||||||
| 304894142 | XXXXXX | XXXXXX | 759000.00 | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.22% LTV. G/l max is 65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.75 months piti reserves. 6 months required. | ||||||||
| 304894140 | XXXXXX | XXXXXX | 512000.00 | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Active | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | XXXXXX report indicates a Submarket score of 55 with projected income of $XXXXXX, Guidelines require Market score or sub-market score be 60 or greater. (Sec 1.8.2.1.2).Lender provided an XXXXXX printout dated 10-6-25 for the Market Overview of XXXXXX with a Market score of 63, however the annual revenue was reflected as $XXXXXX which does not support the XXXXXX report reflecting projected revenue of $97,600 running from October 2025 to September 2026. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 36.47 months cash reserves/0 required, 19 years at current residence and 99 months mortgage history/12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower is 0*30 mortgage payment history past 99 months. 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 19 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 36.47 months piti reserves. 0 required. |
| 304894094 | XXXXXX | XXXXXX | 882000.00 | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of806 is above the required 700 CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves: $841,820.48 or 107.40 months of PITIA. 6 months required. | ||||||||
| 304894059 | XXXXXX | XXXXXX | 1109500.00 | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS2860: Good credit history - Clayton Comments: 660 FICO score is above the 640 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below the 80% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 3.04 months reserves are above the required 0. | ||||||||
| 305013285 | XXXXXX | XXXXXX | 130400.00 | WI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No Finding | No Finding | No Finding | D | A | D | A | No Finding | No Finding | No | Missing the Prepayment Addendum To The Note. | 2.3.2026 - PP addendum provided | 2.3.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $106,099.50/$1,123.27 PITIA = 94.45 months reserves. |