This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.
Read about the agency’s 2022 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
1.
Operate the business in a safe and sound manner.
2.
Promote sustainable and equitable access to affordable housing.
2023 Scorecard
FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.
Source: FHFA
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Total refinance volume dipped slightly in the second quarter of 2013 from the two previous quarters. Refinances through HARP also dropped but remained on par with the same quarter last year.
In the second quarter of 2013, 279,933 refinances were completed through HARP, bringing the total refinances through HARP from the inception of the program to 2,739,274.
HARP volume represented 22 percent of total refinance volume in the second quarter of 2013, and 19 percent of the loans refinanced through HARP were at a loan-to-value ratio greater than 125 percent.
Year-to-date through June 2013, borrowers with loan-to-value ratios greater than 105 percent accounted for 43 percent of the volume of HARP loans.
Year-to-date through June 2013, 18 percent of HARP refinances for underwater borrowers were for shorter-term15- and 20-year mortgages, which build equity faster than traditional 30-year mortgages.
Year-to-date through June 2013, HARP refinances represented 59 percent of total refinances in Nevada and 50 percent in Florida, more than double the 21 percent of total refinances nationwide over the same period.
