The share of higher cost mortgages increased from 2004 to 2005, but that was already expected as a result of a flat yield curve and changes in other factors, according to federal regulators. In an update of frequently asked questions about Home Mortgage Disclosure Act data, the Federal Financial Institutions Examination Council attributed the increase in the number of mortgage loans exceeding HMDA’s price reporting thresholds to the narrowing of the difference between short-term…