The Consumer Financial Protection Bureau, the Federal Reserve Board, and the Office of the Comptroller of the Currency have announced an adjustment to the exemption threshold for certain mortgage loans. Starting January 1, 2026, the threshold for higher-priced mortgage loans that require special appraisal standards will rise from $33,500 to $34,200.
This change reflects a 2.1 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) as measured on June 1, 2025. The agencies regularly update this threshold to align with inflation data and maintain consistency with economic conditions.
