Original Source Material
The CFPB, FRB, and OCC are announcing that the 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $33,500 to $34,200.
Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans
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The brief below is a reading aid. The original source material and source link remain the governing reference.
Operational Brief
- The threshold for higher-priced mortgage loans subject to special appraisal requirements will increase from $33,500 to $34,200.
- This change applies starting in 2026.
Why It Matters for Texas Credit Unions
The article does not explicitly mention Texas or any Texas-specific entities. The rule is applicable nationwide and not specific to Texas credit unions.
Bounded site guidance: This item is most likely relevant for credit unions with meaningful mortgage, home-equity, or consumer-real-estate activity.
Why this fit: The source language points to lending, mortgage, or fair-lending activity that usually matters most where those programs are active.
This is site guidance, not a formal determination. CFPB Newsroom and the original source material remain the governing reference.
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