The banking regulator plans to step up its scrutiny of patterns in mortgage funding, setting out new obligations on banks "to better enable APRA's supervisory monitoring and oversight of residential mortgage lending."The Australian Prudential Regulation Authority spelled out yesterday how ADIs will be required to report more detailed data on loans originated during the quarter than required now, including information on borrowers, loan-to-income ratios, collateral type and location and a more granular breakdown by loan to valuation ratio.Banks will also be required to report information on the average variable interest rate and average loan serviceability assessment rate of loans originated during the quarter, APRA said.This data "will be used to analyse changes in serviceability parameters ... and in order to accurately assess the risk profile of the residential mortgage loan portfolio of an ADI or the industry as a whole."