j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.33
| 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) | 304817744 | (redacted) | No Finding | No Finding | 1 | No Finding | Funded | A | A | A | A | A | A | A | A | A | A | |||||||||
| (redacted) | 304909063 | (redacted) | 1154031 | 12/11/2025 | Credit | AUS is invalid - conditions were not met | QMATR 0014 | 3 | 1 | Closed | The borrower's income from both employers was entered into AUS as self employment income, but borrower owns less than (redacted) and is qualifying on wage income only. No tax returns in the file. AUS findings do not reflect the correct documentation requirements as a result of submitting income as self employment, no corrected AUS in the file. | 12/16/2025 | 12/16/2025 Finding is cleared with the attached AUS resubmission, (redacted) submitted as wage earner (Refer to presentment (redacted), and attached email from the (redacted) confirming borrowers ownership percentage < (redacted), which is supported by the stakeholder ownership details previously provided. - 12/16/2025 Finding is cleared with the attached AUS resubmission, (redacted) submitted as wage earner (Refer to presentment 12/15), and attached email from the (redacted) confirming borrowers ownership percentage < (redacted), which is supported by the stakeholder ownership details previously provided. 12/15/2025 Review is unable to confirm self-employment. Missing (redacted) (redacted) to verify Schedule E activity. (redacted) was not provided for (redacted), thus unable to confirm borrowers ownership. Per the (redacted) form borrower is the executive officer and director. |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 304909063 | (redacted) | 1154039 | 12/11/2025 | Credit | Unacceptable Credit History | CRED 0009 | 2 | 1 | Closed | The borrower has a past due balance of (redacted) on a (redacted) lease that was not paid off at or before closing. | 12/15/2025 | 12/15/2025 Agree, AUS does not indicate that the collection account must be paid. Guidelines defer to agency. Investor overlay does not address collections. - 12/15/2025 Agree, AUS does not indicate that the collection account must be paid. Guidelines defer to agency. Investor overlay does not address collections. | Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 304909063 | (redacted) | 1154045 | 12/11/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 3 | 1 | Closed | Missing final fraud tool with all items addressed. The most recent (redacted) report in the file reflects a score of (redacted), high level finding is unaddressed. Foreclosure activity was noted on the borrower's primary residence (redacted). The property is listed as owned free and clear, but the lender was unable to obtain a complete property history due to an issue with the original deed. | 12/15/2025 | 12/15/2025 Review pulled county property tax bill which confirms no past due taxes. Borrower acquired the property free and clear as per the settlement statement in file, which is supported by no open mortgages reporting on the credit report. Evidence of insurance only reflects the condo association as additional insured. HOA statement does not reflect any late activity. Additionally, there are no public records reporting on the credit report. - 12/15/2025 Review pulled county property tax bill which confirms no past due taxes. Borrower acquired the property free and clear as per the settlement statement in file, which is supported by no open mortgages reporting on the credit report. Evidence of insurance only reflects the condo association as additional insured. HOA statement does not reflect any late activity. Additionally, there are no public records reporting on the credit report. 12/12/2025 Possible foreclosure activity (redacted) associated with (redacted) was not addressed. Borrower acquired the property (redacted). |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 304909063 | (redacted) | 1154047 | 12/11/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 3 | 1 | Closed | Missing verification of the borrower's ownership percentage of (redacted). Per the (redacted) notes the ownership is (redacted) according to an (redacted) filing, the only (redacted) filing in the file for this company does not address ownership. | 12/16/2025 | 12/16/2025 Finding is cleared with the attached email from the (redacted) confirming borrowers ownership percentage < (redacted), which is supported by the stakeholder ownership details previously provided (REFER QMATR 0014). - 12/16/2025 Finding is cleared with the attached email from the (redacted) confirming borrowers ownership percentage < (redacted), which is supported by the stakeholder ownership details previously provided (REFER QMATR 0014). 12/15/2025 Review is unable to confirm self-employment. Missing (redacted) (redacted) to verify Schedule E activity. (redacted) was not provided for (redacted), thus unable to confirm borrowers ownership. Per the (redacted) form borrower is the executive officer and director. 12/12/2025 Attached documentation is for (redacted). Missing is verification of percentage of ownership for (redacted). |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305136948 | (redacted) | 1190863 | 06/24/2026 | Credit | Income Documentation is Insufficient | CRED 0082 | 3 | 1 | Closed | Missing Articles of Organization and Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name | 06/29/2026 | 06/29/2026 Agree, Certificate of Filing provided in file (redacted). Sole member (redacted) would not require a corporate resolution. - 06/29/2026 Agree, Certificate of Filing provided in file (redacted). (redacted) would not require a corporate resolution. 06/25/2026 Agree, (redacted) would not require a corporate resolution. Still missing the articles of organization. |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305136948 | (redacted) | 1190890 | 06/24/2026 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing LOX to explain (redacted) mortgage lates reflected on (redacted) of CBR. | 06/25/2026 | 06/25/2026 Mortgage statements in file confirm (redacted) on loan being refinanced. Credit report reflects (redacted) on primary with no other mortgages reporting. Guideline requirements met. - 06/25/2026 Mortgage statements in file confirm (redacted) on loan being refinanced. Credit report reflects (redacted) on primary with no other mortgages reporting. Guideline requirements met. | Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305143009 | (redacted) | 1191464 | 06/26/2026 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | The file does not include evidence of the borrowers primary residence. The final (redacted), reflects the borrower occupies (redacted) with no housing payment. The file did not include any documentation to support the borrower lives rent free. Per the guidelines, a payment history of (redacted) is required for all real estate owned. |
07/14/2026 | 07/14/2026 Finding is cleared with the rent free letter previously provided. (redacted) search confirms (redacted) owns (redacted). - 07/17/2026 Finding is cleared with the rent free letter previously provided. County search confirms (redacted) owns (redacted). 07/13/2026 Finding is partially cleared with the attached rent free letter. Missing is a property report evidencing (redacted) is owned by (redacted). 06/29/2026 Missing confirmation from the borrower that they are living rent free. The fraud report does not show ownership of the primary residence, however it is not known if the property is being leased or if they are living rent free with family member. If the borrower is obligated to pay then a VOR is required. |
Funded | C | A | C | A | C | A | C | A | C | A | ||
| (redacted) | 305175183 | (redacted) | 1192113 | 06/30/2026 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | 07/02/2026 | 07/02/2026 Finding is cleared with the attached final ALTA Settlement Statement. | Funded | D | A | D | A | D | A | D | A | D | A | |||
| (redacted) | 305167451 | (redacted) | 1193960 | 07/09/2026 | Credit | Missing Final 1003 Application | APP 0001 | 4 | 1 | Closed | The file is missing the final executed (redacted). | 07/13/2026 | 07/13/2026 Finding is cleared with the attached executed copy of the final (redacted). - 07/13/2026 Finding is cleared with the attached executed copy of the final (redacted). | Funded | D | A | D | A | D | A | D | A | D | A |