J.P. MORGAN ACCEPTANCE CORPORATION II 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 |
| (redacted) | 305170345 | (redacted) | (redacted) | (redacted) | Credit | Missing evidence of HOA Dues | (redacted) | 3 | 2 | Acknowledged | Missing documentation to support the PUD property is not subject to any HOA fees. HOA dues are marked as (redacted) on Appraisal (redacted). Purchase contract indicated that the buyers received and accepted all current HOA information for (redacted), which is not in file. | 07/31/2026 EV2/B - The PUD property is not currently assessing any HOA fees until 1/2027. The loan was qualified based on the best known information at the time. Per online search the association fees will include: Common Area Maintenance, Insurance, Maintenance Ground. DTI variance < (redacted) using a (redacted)/mo HOA fee as most conservative approach. 07/13/2026 Anticipated HOA dues must be confirmed, documented, and considered in qualifying. |
Funded | C | B | C | B | C | B | C | B | C | B | |||
| (redacted) | 305170345 | (redacted) | (redacted) | (redacted) | Credit | Missing proof of PITI payment on non-subject property | (redacted) | 3 | 1 | Closed | The file is missing evidence of HOA for the borrowers departing residence, (redacted). | 07/21/2026 | 07/21/2026 Evidence of HOA dues provided from online sources. It is noted that this property was departure residence sold right after subject loan primary residence was purchased. DTI calculated is (redacted) with online provided HOA source. - 07/21/2026 Evidence of HOA dues provided from online sources. It is noted that this property was departure residence sold right after subject loan primary residence was purchased. DTI calculated is (redacted) with online provided HOA source. 07/13/2026 (redacted) is indicated to be the borrowers current residence at application, as supported by the documentation in file. Missing is the documented HOA fee or letter from the borrower confirming that there is none. |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305180591 | (redacted) | (redacted) | (redacted) | Credit | Missing Employment doc (VOE) | (redacted) | 3 | 2 | Acknowledged | The file is missing the dates of employment for co-borrowers current employer verified by the employer and previous employment dates. | Verified credit history - (redacted) Fico w/minimum requirement of (redacted). ; Verified housing payment history - (redacted) mortgage history for (redacted) months. ; |
07/27/2026 EV2/B - Finding is downgraded with the attached post-consummation dated VOE for B2, which is in support of the pre-consummation dated VOE in file. 07/21/2026 VVOE provided does not confirm the start date. (redacted) in the file support previous employment through the end of (redacted), no evidence of the (redacted) start date for the current employer to confirm income start date used in income calculation (redacted). |
Funded | C | B | C | B | C | B | C | B | C | B | ||
| (redacted) | 305180591 | (redacted) | (redacted) | (redacted) | Credit | Income Documentation is Insufficient | (redacted) | 3 | 1 | Closed | The file is missing RSU income for the Borrower. The file is missing proof the stock is publicly traded, a current vesting schedule and brokerage/bank statements showing past distributions. | 07/28/2026 | Verified credit history - (redacted) Fico w/minimum requirement of (redacted). ; Verified housing payment history - (redacted) mortgage history for (redacted) months. ; |
07/28/2026 Finding cleared with receipt of the documented (redacted)-day moving average of share price for (redacted). Included is an updated (redacted)/(redacted)/(redacted), qualifying income decreased to (redacted). RSU vesting schedule / agreements. - 07/28/2026 Finding cleared with receipt of the documented (redacted)-day moving average of share price for (redacted). Included is an updated (redacted)/(redacted)/(redacted), qualifying income decreased to (redacted). RSU vesting schedule / agreements. 07/27/2026 Finding can be cleared upon receipt of the documented (redacted)-day moving average of share price for (redacted) as required per (redacted). Per (redacted), For income paid in shares: (redacted)-day moving average of share price x total number of distributed vested shares (pre-tax) in most recent (redacted) months / (redacted) months |
Funded | C | A | C | A | C | A | C | A | C | A | |
| (redacted) | 305180591 | (redacted) | (redacted) | (redacted) | Credit | Insufficient verified reserves | (redacted) | 3 | 1 | Closed | The file is short verified reserves in the amount of (redacted). Per (redacted) CIB Residential Purchase Criteria, (redacted) months of reserves is required to be documented. The borrower verified (redacted) in reserves, required to be documented was (redacted). | 07/21/2026 | Verified credit history - (redacted) Fico w/minimum requirement of (redacted). ; Verified housing payment history - (redacted) mortgage history for (redacted) months. ; |
07/21/2026 Received statement for (redacted) reflecting sufficient balance to meet the reserve requirement. - 07/21/2026 Received statement for (redacted) account **(redacted) reflecting sufficient balance to meet the reserve requirement. | Funded | C | A | C | A | C | A | C | A | C | A | |
| (redacted) | 305173052 | (redacted) | (redacted) | (redacted) | Compliance | Scrivener's Error | (redacted) | 3 | 2 | Acknowledged | Mortgage Notary Clause date is not corrected from (redacted) to actual date of (redacted). | 07/27/2026 EV2/B - Finding is downgraded with the attached copy of the recorded Notary Affidavit, notary acknowledgement date corrected from (redacted) to (redacted). 07/27/2026 Missing executed and recorded copy of the Notary Affidavit. |
Funded | C | B | C | B | C | B | C | B | C | B | |||
| (redacted) | 305173052 | (redacted) | (redacted) | (redacted) | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | (redacted) | 3 | 1 | Closed | Missing borrowers eConsent. | 07/27/2026 | 07/27/2026 Finding is cleared with the attached disclosure tracking summary documenting the borrowers eConsent date. - 07/27/2026 Finding is cleared with the attached disclosure tracking summary documenting the borrowers eConsent date. | Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305180124 | (redacted) | (redacted) | (redacted) | Compliance | Missing E-Sign Disclosure | (redacted) | 3 | 1 | Closed | Missing borrower accepted eDisclosure. Evidence of esign in file. | 07/31/2026 | 07/31/2026 Finding is cleared with the attached disclosure tracking summary with the documented eConsent date. - 07/31/2026 Finding is cleared with the attached disclosure tracking summary with the documented eConsent date. | Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305180124 | (redacted) | (redacted) | (redacted) | Compliance | Sales Price on HUD-1 does not agree with Purchase Contract | (redacted) | 3 | 2 | Acknowledged | The purchase contract reflects a contract price of (redacted). The final CD reflects a purchase price of (redacted). The file is missing the contract addendum. | 08/05/2026 EV2/B - Non-material. Purchase price on the buyer CD and seller CD has a difference of (redacted) due to rounding. 07/31/2026 Credit does not make up the difference in purchase price. Missing purchase contract amendment reflecting the final sales price of (redacted). |
Funded | C | B | C | B | C | B | C | B | C | B |