Ease of access to jumbo mortgage loans drove the Mortgage Bankers Association's (MBA's) Mortgage Credit Availability Index higher in September. The Index rose 0.9 percent to 183.4. An increase in the Index indicates that lending standards are easing. The index has four components; the Government MCAI which decreased 0.6 percent and the Conventional MCAI which rose 2.4 percent. There are two indices housed within the Conventional MCAI, the Conforming Index which fell 1.1 percent and the Jumbo which jumped by 4.7 percent, hitting a record high. This is a sharp reversal of last month's index report. The August MCAI suffered the largest decline in its history, falling 3.9 percent. Each of the four components dropped by more than 3 percent.