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ACES News

December 03, 2025

Fraud, Defects Growing Concerns for Refi Market

As mortgage lenders boost refinance volume, issues tied to fraud and loan defects are increasing.

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November 20, 2025

Mortgage defects rise in second quarter on higher refinance volumes

New quality control analysis says rising defects reflect ‘complexity’ of shifting market conditions

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November 20, 2025

ACES Finds Modest Rise in Critical Defect Rate

ACES Quality Management, Denver, found the overall critical defect rate increased from 1.31% in the first quarter of 2025 to 1.51% in the second.

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November 20, 2025

Refinance Complexity Boosted Rate of Critical Defects in Mortgages in Q2

The rate of critical defects in mortgage loans post-closing was 1.51% in the second quarter, an increase of 15.27% compared with 1.31% in the first quarter, according to ACES’ Mortgage QC Industry Trends Report.

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November 20, 2025

Mortgage defects are growing in prominence

Refinance defect share increased to 26.04% amid rising cash-out activity

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November 18, 2025

Mortgage defect rates rise on valuation, eligibility issues

Mortgage application defect rates increased over 15% in the second quarter, but executives at Aces Quality Management described the change as nuanced, related to such areas as appraisal and borrower eligibility.

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November 18, 2025

Freddie Mac adds mortgage quality control automation tool

Fraud and misrepresentation remain persistent challenges in the mortgage industry and Freddie Mac is responding by bringing Quality Control Advisor Plus to the market, a tool which automates this compliance function.

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October 20, 2025

AI Drives the Next QC Evolution

For many years, QC teams managed audits using static tools, disconnected communications and manual processes that were difficult to scale. The arrival of platforms like ACES Quality Management & Control® modernized these workflows, introducing automation, rules-based audit engines, and centralized reporting to ensure more accurate and consistent results.

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September 26, 2025

ACES Quality Management rolls out AI system for mortgage and financial services

ACES Quality Management (ACES) announced the launch of ACES Intelligence, which uses artificial intelligence to help customers improve quality, speed and efficiency by enhancing loan reviews, selection and compliance.

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September 24, 2025

The future of QC: AI, innovation and the human element: AI-powered quality control is reshaping mortgage audits, but human judgment is here to stay

As lenders look to modernize their quality control operations, many are exploring the potential of artificial intelligence to streamline processes, improve loan quality and reduce risk. In this executive conversation, HousingWire spoke with Trevor Gauthier, CEO of ACES Quality Management, about how QC has evolved over time, how AI is reshaping expectations and what lenders and servicers should be doing now to prepare for what’s ahead.

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