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On a national scale, the risk for loan application defects that can lead to mortgage fraud are down. But in a number of local markets, the risk of inconsistent data, including Social Security numbers that can't be verified or income that can't be validated, are contributing to a rise in fraud risk from a year ago.

The data is based on the September readings of a First American loan defect index, which ranges from 53 to 114 and ranks the top 50 population centers in the country.

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Louisville, Ky.

Index Value: 85 (+1.2%)
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Dallas, Texas

Index Value: 94 (+3.3%)
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Detroit, Mich.

Index Value: 110 (+3.8%)
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Houston, Texas

Index Value: 102 (+8.5)
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Austin, Texas

Index Value: 102 (+8.5%)
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Oklahoma City, Okla.

Index Value: 97 (+9%)
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