The thrift industry is calling on the Office of Thrift Supervision to make residential mortgage loans with 90 percent loan-to-value ratios eligible for lower capital standards, a move that’s strongly opposed by the mortgage insurance industry. The OTS earlier this year proposed to expand the 50 percent risk-based capital category to include prudently underwritten mortgages with 80 to 89 percent LTVs that are not more than 90 days delinquent. That classification is currently limited to