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Industry

 

Welcome to the Industry page of FHFA’s website.  This page provides consolidated resources for small and large companies, trade groups, advocacy organizations, vendors, originators, servicers, investors, and mortgage insurers, among others who are interested in the nation’s housing finance system. 

 

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 Related Information

 

 

Foreclosure Prevention Report - November 201519328<h3>The Enterprises' Foreclosure Prevention Actions&#58; </h3><ul><li>The Enterprises completed 13,891 foreclosure prevention actions in November 2015, bringing the total to 3,626,692 since the start of the conservatorships in September 2008. Over half of these actions have been permanent loan modifications. </li><li>There were 8,569 permanent loan modifications in November, bringing the total to 1,888,404 since the start of conservatorships. </li><li>The share of modifications with principal forbearance decreased slightly to 19 percent. Modifications with extend-term only remained at 48 percent of all permanent modifications in November due to improved house prices and a declining HAMP eligible population. </li><li>There were 2,138 short sales and deeds-in-lieu completed in November, down 22 percent compared with October. </li></ul><h3> The Enterprises' Mortgage Performance&#58; </h3><ul><li>The serious delinquency rate remained flat at 1.50 percent at the end of November, the lowest level since the start of conservatorships in September 2008. </li></ul><h3>The Enterprises' Foreclosures&#58; </h3><ul><li> Third-party and foreclosure sales decreased 13 percent from 9,105 in October to 7,940 in November. </li><li>Foreclosure starts increased 18 percent from 18,946 in October to 22,313 in November. </li></ul>2/9/2016 3:06:27 PM147http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Quarterly FOIA Report - First Quarter 201619214<p>​The&#160;Office of Information Policy requires all agencies to provide quarterly reporting for four key FOIA statistics to the Department of Justice. &#160;This report is attended to identify trends and assess agencies' progress throughout the course of the fiscal year.</p>2/2/2016 7:58:55 PM178http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Index Shows Mortgage Interest Rates Increased in December19196<p><strong>Washington, D.C</strong>. – Nationally, interest rates on conventional purchase-money mortgages increased from November to December, according to several indices of new mortgage contracts. </p><p><strong>The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders Index </strong>was 3.97 percent for loans closed in late November, up 12 basis points from 3.85 percent in November. &#160;</p><p><strong>The average interest rate on all mortgage loans </strong>was 3.96 percent, up 10 basis points from 3.86 in November.</p><p><strong>The average interest rate on conventional, 30-year, fixed-rate mortgages of $417,000 or less</strong> was 4.20 percent, up 12 basis points from 4.08 in November.</p><p><strong>The effective interest rate on all mortgage loans </strong>was 4.10 percent in December, up 9 basis points from 4.01 percent in November. &#160;The effective interest rate accounts for the addition of initial fees and charges over the life of the mortgage.</p><p><strong>The average loan amount</strong> for all loans was $318,000 in December, down $1,800 from $319,800 in November.</p><p>FHFA will release January index values Thursday, February 25, 2016.</p><p>For more information, call David Roderer at (202) 649-3206. To hear recorded index information, call (202) 649-3993. &#160;To find the complete contract rate series, go to <a href="/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx">http&#58;//www.fhfa.gov/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx</a>​.&#160;</p><p style="text-align&#58;center;">&#160;<img alt="NACM_Jan2016.JPG" src="/Media/PublicAffairs/PublishingImages/Pages/Forms/AllItems/NACM_Jan2016.JPG" style="margin&#58;5px;width&#58;685px;" /></p><blockquote dir="ltr" style="margin-right&#58;0px;"><blockquote dir="ltr" style="margin-right&#58;0px;"><p style="text-align&#58;left;">Source&#58;&#160; FHFA</p></blockquote></blockquote><p style="text-align&#58;left;">Technical note&#58;&#160; The indices are based on a small monthly survey of mortgage lenders, which may not be representative. &#160;The sample is not a statistical sample but is rather a convenience sample. &#160;Survey respondents were asked to report terms and conditions of all conventional, single-family, fully amortized purchase-money loans closed during the last five working days of the month.&#160; Unless otherwise specified, the indices include 15-year mortgages and adjustable-rate mortgages.&#160; The indices do not include mortgages guaranteed or insured by either the Federal Housing Administration or the U.S. Department of Veterans Affairs.&#160; The indices also excluded refinancing loans and balloon loans.&#160; December 2015 values are based on 3,173 reported loans from 14 lenders, which include savings associations, mortgage companies, commercial banks, and mutual savings banks. &#160;&#160;&#160; </p>1/28/2016 1:30:10 PM525http://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA House Price Index Up 0.5 Percent in November18958<p><strong>​Washington, D.C.&#160;</strong>– U.S. house prices rose in November, up <strong>0.5 percent </strong>on a seasonally adjusted basis from the previous month, according to the Federal Housing Finance Agency (FHFA) monthly House Price Index (HPI).&#160; The previously reported 0.5 percent increase in October is unchanged. &#160;</p><p>The FHFA monthly HPI is calculated using home sales price information from mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac.&#160; From November 2014 to November 2015, house prices were up <strong>5.9</strong><strong> </strong><strong>p</strong><strong>e</strong><strong>r</strong><strong>c</strong><strong>en</strong><strong>t</strong>.&#160; The index levels for October and November 2015 exceeded the prior peak level from March 2007. </p><p>For the nine census divisions, seasonally adjusted monthly price changes from October 2015 to November 2015 ranged from <strong>-0.4</strong> <strong>p</strong><strong>e</strong><strong>r</strong><strong>ce</strong><strong>n</strong><strong>t</strong> in the West South Central division to&#160;<strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">+1.8</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;"> </strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">p</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">e</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">r</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">ce</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">n</strong><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">t</strong><span style="line-height&#58;22px;"> </span><span style="line-height&#58;22px;">in t</span><span style="line-height&#58;22px;">h</span><span style="line-height&#58;22px;">e</span><span style="line-height&#58;22px;"> </span><span style="line-height&#58;22px;">Mountain </span><span style="line-height&#58;22px;">d</span><span style="line-height&#58;22px;">i</span><span style="line-height&#58;22px;">v</span><span style="line-height&#58;22px;">i</span><span style="line-height&#58;22px;">si</span><span style="line-height&#58;22px;">o</span><span style="line-height&#58;22px;">n.</span><span style="line-height&#58;22px;">&#160; </span><span style="line-height&#58;22px;">The 12-month changes were all positive, ranging from </span><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">+2.6 percent</strong><span style="line-height&#58;22px;"> in the Middle Atlantic division to </span><strong style="line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;">+10.0 percent</strong><span style="line-height&#58;22px;"> in the Mountain division</span><span style="line-height&#58;22px;">.</span></p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs on the following pages.&#160; Complete historical data are available on the <a href="/DataTools/Downloads/Pages/House-Price-Index.aspx">Downloadable HPI Data page.</a> </p><p>For detailed information on the monthly HPI, see <a href="/Media/PublicAffairs/Pages/Housing-Price-Index-Frequently-Asked-Questions.aspx">HPI Frequently Asked Questions (FAQ)</a>.&#160; The&#160;next HPI report will be released February 25, 2016 and will include monthly data through December 2015 and quarterly data for the fourth quarter of 2015.&#160;<span style="line-height&#58;22px;">&#160;</span></p><p>FHFA has published HPI release dates for 2016, which can be found on the <a href="/DataTools/Downloads/Pages/House-Price-Index.aspx#ReleaseDates">HPI Release dates page</a>.</p>1/26/2016 2:00:44 PM1084http://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index - November 201518962<p style="font-style&#58;normal;font-variant&#58;normal;">​The FHFA House Price Index (HPI) reported a&#160;0.5 percent&#160;increase in U.S. house prices in&#160;November&#160;from the previous month.&#160;&#160;From&#160;November&#160;2014 to November&#160;2015, house prices were up 5.9&#160;percent.&#160; For the nine census divisions, seasonally adjusted monthly price changes from&#160;October&#160;2015 to&#160;November&#160;2015 ranged from&#160;-0.4&#160;percent in the West South Central&#160;division to +1.8&#160;percent in the Mountain&#160;division. &#160;The 12-month changes were all positive, ranging from +2.6&#160;percent in the Middle Atlantic division&#160; to +10.0&#160;percent in the Mountain division.​</p><p style="font-style&#58;normal;font-variant&#58;normal;">Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment.</p><p style="font-style&#58;normal;font-variant&#58;normal;"><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt5-Percent-in-November-2015.aspx">Related News Rel​ease&#160;</a>​</p>1/26/2016 2:00:45 PM1526http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

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