Rising home-appreciation rates, concentrations of immigrants in high-cost housing areas, total mortgage-broker control of the loan process, and wide dispersion of participants in a loan transaction all contribute to the growing incidence of mortgage fraud, but all these can be counteracted, according to mortgage fraud experts. Perpetrators of mortgage fraud are so slick that unless lenders run all their loan applications through a foolproof automated wringer, lies and misrepresentations will filter through and lead…