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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

 

 

FHFA Index Shows Mortgage Interest Rates Continue to Decrease in June884<p> <strong>Washington, DC –</strong> Nationally, interest rates on mortgages decreased from May to June, according to an index of new mortgage contracts. </p><p>According to the Federal Housing Finance Agency (FHFA), the National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders index was 4.08 percent for loans closed in late June. &#160;The index is calculated using FHFA's Monthly Interest Rate Survey.&#160; The contract rate on the composite of all mortgage loans was 4.09 percent in June, a decrease from 4.13 percent in May.</p><p>Interest rates are typically locked in 30-45 days before a loan is closed.&#160; Consequently, the June index reflects market rates from mid-to-late May. The effective interest rate was 4.24 percent in June, down 4 basis points from 4.28 percent in May. The effective interest rate accounts for the addition of initial fees and charges over the life of the mortgage.</p><p>FHFA's interest rate survey shows the average interest rate on conventional, 30-year, fixed-rate mortgages of $417,000 or less was 4.34 in June, a decrease of 3 basis points. The average loan amount for all loans was $292,200 in June, up $9,600 from $282,600 in May.</p><p>FHFA will release June index values Thursday, August 28th, 2014.</p><p>For more information, call David Roderer at (202) 649-3206. You can hear recorded index information by calling (202) 649-3993. You can find the complete contract rate series at <a href="/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx">http&#58;//www.fhfa.gov/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx</a>.</p><p style="text-align&#58;center;">&#160;​<img src="/Media/PublicAffairs/PublishingImages/Pages/Forms/EditForm/MIRS_June_2014_Chart.png" alt="MIRS_June_2014_Chart.png" style="margin&#58;5px;" /><br>Source&#58; FHFA</p><p>Technical note&#58; The index is based on a small monthly survey of mortgage lenders, which may not be representative. The sample is not a statistical sample but is rather a convenience sample. 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. The index does not include mortgages either guaranteed or insured by either the Federal Housing Administration or the U.S. Department of Veterans Affairs. The index also excluded refinancing loans and balloon loans. &#160;June 2014 values are based on 6,842 reported loans from 25 lenders, which include savings associations, mortgage companies, commercial banks, and mutual savings banks. The effective interest rate includes the amortization of initial fees and charges over a 10-year period (the historical assumption of the average life of a mortgage loan).</p> 7/31/2014 5:08:49 PMhttp://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Statement of FHFA Director Melvin L. Watt on Potential Merger of FHLB Seattle and FHLB Des Moines885<p>​&quot;As the safety and soundness regulator of the Federal Home Loan Bank System, the Federal Housing Finance Agency's role is to ensure that each Bank remains viable and fulfills its mission by supporting home mortgage lending and community investment throughout the United States.&#160; As the Federal Home Loan Bank of Seattle and the Federal Home Loan Bank of Des Moines discuss their potential merger, we will work with them to ensure that any agreement will result in a financially strong Bank that supports the interests of all its members. Given the fundamental changes that have occurred in the financial system since the creation of the Federal Home Loan Bank System, FHFA views this potential merger as consistent with the mission of the Federal Home Loan Bank System and with the safe and sound operation of each Federal Home Loan Bank.&quot;</p>7/31/2014 4:55:29 PMhttp://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Extends Deadline for G-Fee Input to September 8138<p>Washington, DC – The Federal Housing Finance Agency (FHFA) today announced that it is extending the deadline for its Request for Input on the guarantee fees (g-fees) that Fannie Mae and Freddie Mac charge lenders to Monday, September 8, 2014.&#160; The previous deadline to submit input to the FHFA was August 4, 2014.&#160; </p><p>FHFA is extending the deadline for g-fee input to coincide with the deadline for FHFA's Request for Input on draft private mortgage insurer eligibility requirements, also due September 8, 2014. &#160;Input on each topic must be submitted separately.</p><p>Input on g-fees must be received by September 8, 2014 and should be submitted to the Federal Housing Finance Agency, Office of Policy Analysis and Research, 400 7th Street, SW, Ninth Floor, Washington, DC &#160;20024 or via FHFA.gov.&#160; </p><p><a href="/Media/PublicAffairs/Pages/FHFA-Seeks-Input-on-Fannie-Mae-and-Freddie-Mac-Guarantee-Fees.aspx">Link to G-Fee Request for Input </a>&#160;– June 6, 2014</p><p><a href="/Media/PublicAffairs/Pages/FHFA-requests-input-on-draft-PMIERs.aspx">Link to Draft Private Mortgage Insurer Eligibility Requirements for Fannie Mae and Freddie Mac Counterparties Request for Input</a> – July 10, 2014 </p>7/29/2014 6:30:12 PM901http://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Quarterly FOIA Report - Third Quarter 20141482<p>​<span style="font-style&#58;normal;font-variant&#58;normal;line-height&#58;22px;">The Office of Information Policy requires all agencies to provide quarterly reporting for four key FOIA statistics to the Department of Justice. This report is attended to identify trends and assess agencies' progress throughout the course of the fiscal year.​</span>​</p>7/24/2014 5:51:25 PM233http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - May 20141271<table cellspacing="0" width="100%" class="ms-rteTable-0" style="height&#58;310px;"><tbody><tr class="ms-rteTableEvenRow-0"><td class="ms-rteTableEvenCol-0" style="width&#58;10%;">​​<a href="/AboutUs/Reports/ReportDocuments/May-14-Refi_Report.pdf"><img src="/AboutUs/Reports/PublishingImages/Refinance-May-2014-Thumb.png" alt="" style="margin&#58;5px;width&#58;100px;height&#58;132px;" /></a>​​</td><td class="ms-rteTableOddCol-0" style="width&#58;50%;"><h2>​May 2014 Highlights</h2><p>​<br></p><ul><li> <span style="line-height&#58;22px;">​Refinance volume fell slightly in May, and remained at levels&#160;more comparable to those observed in 2008 than in subsequent&#160;years. Mortgage rates have ranged between four to four and a half&#160;percent since June 2013. In May, the average interest rate on a 30&#160;year fixed rate mortgage decreased from April to 4.19&#160;percent.</span><br></li><li> <span style="line-height&#58;22px;">In May 2014, 16,565 refinances were completed through HARP,&#160;bringing the total refinances through HARP from the inception of&#160;the program to 3,171,138.</span><br></li><li> <span style="line-height&#58;22px;">HARP volume represented 15 percent of total refinance volume&#160;in May 2014.</span><br></li><li> <span style="line-height&#58;22px;">In May 2014, 10 percent of the loans refinanced through HARP&#160;had a loan-to-value ratio greater than 125 percent.​</span><br>​</li></ul></td></tr></tbody></table>7/17/2014 2:30:31 PM379http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

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