Mortgage application fraud declined in the second quarter of this year. CoreLogic's report on the incidence says that one out of every 123 mortgage applications submitted during the quarter (0.81 percent) had a fraudulent component compared to one in 109 (0.92 percent) in the second quarter of 2018. This is a decline of 11.4 percent. The company said it was the first decrease in the index since the third quarter of 2016 and attributed it to the strong spike in lower risk refinance originations. New York, Florida, and New Jersey remain the top states for fraud, with New Jersey moving from second to third place. Occasions of fraud were up 8 percent on an annual basis in New York and 9 percent in Mississippi. The remaining top ten states had stable or decreasing risk. Risk increased the most in Idaho, Alabama, New York and Delaware. States seeing the largest decreases were Kansas, Missouri, Massachusetts, Illinois, and New Mexico.