j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.18
| 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 |
| 304813583 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $123.10 in cash reserves. Borrower has 5.93 months but 6 are required. Clayton deems non-material/non-fatal to lending decision due to small shortage and compensating factors: credit score of 701/700 minimum, 39 months mortgage history/12 months required and no late payments on primary or subject mortgage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is above the required 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers 39 months mortgage history exceeds the required 12 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late payments on VOM or credit report. |
| 305177972 | XXXXXX | (No Data) | XXXXXX | 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: 722 Credit score exceeds guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 3 years. |