ACES report shows mortgage defect rate fell to 1.38% in Q4 2025

HousingWire | by Sarah Wolak

Published May 20, 2026

ACES Quality Management said that mortgage QC critical defects declined in Q4 2025 to 1.38%, ending a streak of three straight increases. Eligibility defects surged 291.58% year over year and the refinance share rose to 21.04% of reviews.

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