ACES Quality Management

New population-testing technology applies lender-defined rules across selected origination and servicing records, then directs flagged files to human reviewers

Critical defect rate jumps 23.9% as math-based compliance findings expose the potential for one systemic error to affect loans across a lender’s book

ACES Quality Management reported that the mortgage industry’s overall critical defect rate rose to 1.51% in the second quarter of 2025, driven largely by sharp increases in appraisal and borrower eligibility defects