NEW YORK--(BUSINESS WIRE)--Widespread changes to U.S. residential mortgage origination practices since the financial crisis have reduced the risk of fraud and misrepresentation, according to Fitch Ratings. A key driver behind the poor performance of the peak vintage collateral was weak operational controls for the information used in the loan decision process. The industry as a whole, through its own initiatives, investor demands and regulatory mandates, has created a new lending paradigm that