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On a national scale, the risk for loan application defects that can lead to mortgage fraud are down. But in a number of local markets, the risk of inconsistent data, including Social Security numbers that can't be verified or income that can't be validated, are contributing to a rise in fraud risk from a year ago. The data is based on the September readings of a First American loan defect index, which ranges from 53 to 114 and ranks the top 50 population centers in the country.