(RECAP: This month’s National Mortgage Risk Index update shows about 22% of all single-family mortgage purchase loans have a debt-to-income ratio greater than the QM limit of 43%. It states that the FHA is not compensating for riskiness of high DTI loans; Fannie Mae and Freddie Mac are compensating only to a limited extent. The FHA leads with 45% of purchase loans exceeding the 43% DTI limit.)