Mortgage application fraud risk increased in the second quarter of 2026 as purchase lending regained momentum and higher mortgage rates kept refinance activity subdued, according to Cotality‘s National Mortgage Application Fraud Risk Index released Thursday.

The index rose to a reading of 132 in Q2 2026, up 9.1% from Q1 2026, which Cotality says equates to about one in every 119 mortgage applications showing signs of fraud risk.

Despite the quarterly increase, the index remained 4.6% below its level of 138 in Q2 2025.

The property data and analytics company said the increase was likely tied to elevated mortgage details ⇒

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