AWACSMortgage compliance intelligence from Flightline

Updates / ACES Quality Management

ACES Quality Management rules and actions affecting mortgage lenders

6 ACES Quality Management changes tracked by AWACS, newest first. Each links to its summary, effective date, loan impact and the official document.

2026

ACES Quality Management, Data release ACES QC Industry Trends Q1 2026,
Informational

ACES mortgage QC critical defect rate, Q1 2026

1.71% Critical defect rate26.02% Share of critical defects: compliance32.27% FHA share of critical defects

2025

ACES Quality Management, Data release ACES QC Industry Trends Q4 2025,
Informational

ACES mortgage QC critical defect rate, Q4 2025

1.38% Critical defect rate24.66% Share of critical defects: compliance31.96% FHA share of critical defects
ACES Quality Management, Data release ACES QC Industry Trends Q3 2025,
Informational

ACES mortgage QC critical defect rate, Q3 2025

1.79% Critical defect rate27.24% Share of critical defects: income and employment31.1% FHA share of critical defects
ACES Quality Management, Data release ACES QC Industry Trends Q2 2025,
Informational

ACES mortgage QC critical defect rate, Q2 2025

1.51% Critical defect rate18.45% Share of critical defects: income and employment30.22% FHA share of critical defects
ACES Quality Management, Data release ACES QC Industry Trends Q1 2025,
Informational

ACES mortgage QC critical defect rate, Q1 2025

1.31% Critical defect rate22.99% Share of critical defects: income and employment25.53% FHA share of critical defects

2024