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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 PM1260http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - November 201519475<ul><li>​<font face="Calibri">Total r</font><font face="Calibri">efinance volume rose slightly in November 2015 after a three </font><font face="Calibri">month </font><font face="Calibri">drop in mortgage rates through October. Mortgage rates rose </font><font face="Calibri">in November&#58; the average interest rate on a 30</font><font face="Calibri">‐</font><font face="Calibri">year fixed rate </font><font face="Calibri">mortgage increased to 3.94 percent from 3.80 percent in October.</font></li></ul><ul><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">In November 2015, 7,446 refinances were completed through HARP, </font><font face="Calibri">bringing total refinances through HARP from the inception of the </font><font face="Calibri">program to 3,374,680.</font></div></li></ul><ul><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">HARP volume represented 5 percent of total refinance volume in </font><font face="Calibri">November 2015.</font></div></li></ul><ul><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">Year to date through November 2015, borrowers with loan</font><font face="Calibri">‐</font><font face="Calibri">to</font><font face="Calibri">‐</font><font face="Calibri">value </font><font face="Calibri">ratios greater than 105 percent accounted for 24 percent of the volume </font><font face="Calibri">of HARP loans.</font></div></li></ul><ul><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">In November 2015, 7 percent of the loans refinanced through HARP </font><font face="Calibri">had a loan</font><font face="Calibri">‐</font><font face="Calibri">to</font><font face="Calibri">‐</font><font face="Calibri">value ratio greater than 125 percent.</font></div></li></ul><ul><font face="Calibri"></font><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">Year to date through November 2015, 28 percent of HARP refinances </font><font face="Calibri">for underwater borrowers were for shorter</font><font face="Calibri">‐</font><font face="Calibri">term 15</font><font face="Calibri">‐ </font><font face="Calibri">and 20</font><font face="Calibri">‐</font><font face="Calibri">year </font><font face="Calibri">mortgages, which build equity faster than traditional 30</font><font face="Calibri">‐</font><font face="Calibri">year mortgages.</font></div></li></ul><ul><font face="Calibri"></font><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">Year to date through November 2015, HARP refinances represented 12 </font><font face="Calibri">or more percent of total refinances in Florida and Georgia, more than </font><font face="Calibri">double the 5 percent of total refinances nationwide over the same </font><font face="Calibri">period.</font></div></li></ul><ul><font color="#33339b" lang="JA" face="ArialMT"><font color="#33339b" lang="JA" face="ArialMT"></font></font><li><div align="LEFT"><font face="Calibri">Borrowers who refinanced through HARP had a lower delinquency </font><font face="Calibri">rate compared to borrowers eligible for HARP who did not refinance </font><font face="Calibri">through the program.</font></div></li></ul>1/13/2016 7:00:56 PM347http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index - October 201514849<p>The FHFA House Price Index (HPI) reported a&#160;0.5 percent&#160;increase in U.S. house prices in&#160;October from the previous month.&#160;&#160;From&#160;October 2014 to October 2015, house prices were up&#160;6.1&#160;percent.&#160; For the nine census divisions, seasonally adjusted monthly price changes from&#160;September 2015 to&#160;October 2015 ranged from&#160;-0.5&#160;percent in the&#160;New England&#160;division to +1.2&#160;percent in the&#160;East South Central division.&#160; The 12-month changes were all positive, ranging from +2.9&#160;percent in the&#160;New England&#160;division&#160; to +8.9&#160;percent in the Mountain division.​</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment.</p><p><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt5-Percent-in-October-2015.aspx">Related News Release</a>&#160;</p>12/22/2015 2:00:34 PM2274http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
2016 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions14805<p>For all Scorecard items, Fannie Mae and Freddie Mac (the Enterprises) and Common Securitization Solutions will be assessed based on the following criteria&#58; <br><br> <strong>Assessment Criteria </strong><br></p><ul><li>The extent to which each Enterprise conducts initiatives in a safe and sound manner consistent with FHFA’s expectations for all activities; </li><li>The extent to which the outcomes of their activities support a competitive and resilient secondary mortgage market to support homeowners and renters; </li><li>The extent to which each Enterprise conducts initiatives with the consideration for diversity and inclusion consistent with FHFA’s expectations for all activities; </li><li>Cooperation and collaboration with FHFA, each other, the industry, and other stakeholders; and </li><li>The quality, thoroughness, creativity, effectiveness, and timeliness of their work products. <br><br></li></ul>12/17/2015 4:28:10 PM3935http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - October 201514809<h3>October 2015 Highlights </h3> <br><ul><li>Refinance volume increased slightly in October 2015 after a two month drop in mortgage rates through September. Mortgage rates fell in October&#58; the average interest rate on a 30-year fixed rate mortgage dropped to 3.80 percent from 3.89 percent in September. </li><li>In October 2015, 7,755 refinances were completed through HARP, bringing total refinances through HARP from the inception of the program to 3,367,226. </li><li>HARP volume represented 5 percent of total refinance volume in October 2015. </li><li>Year to date through October 2015, borrowers with loan‐to‐value ratios greater than 105 percent accounted for 24 percent of the volume&#160;of HARP loans. </li><li>In October 2015, 8 percent of the loans refinanced through HARP had a loan‐to‐value ratio greater than 125 percent.</li><li>Year to date through October 2015, 28 percent of HARP refinances for underwater borrowers were for shorter‐term 15‐ and 20‐year mortgages, which build equity faster than traditional 30‐year mortgages. </li><li>Year to date through October 2015, HARP refinances represented 12 or more percent of total refinances in Florida and Georgia, more than double the 5 percent of total refinances nationwide over the same period. </li><li>Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program. </li></ul>12/17/2015 8:00:45 PM377http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index Report - 3Q 2015 / September 201519138<p></p><div><div aria-labelledby="ctl00_PlaceHolderMain_ctl03_label" style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;vertical-align&#58;baseline;display&#58;inline;font-stretch&#58;inherit;"><p>U.S. house prices rose<strong>&#160;1.3 percent</strong>&#160;in the third quarter of 2015 according to the Federal Housing Finance Agency (FHFA) House Price Index (HPI). This is the 17th consecutive quarterly price increase in the purchase-only, seasonally adjusted index. FHFA’s seasonally adjusted monthly index for September was up&#160;<strong>0.8 percent</strong>&#160;from August. House prices rose<strong>&#160;5.7 percent </strong>from the third quarter of 2014 to the third quarter of 2015.</p><p>The HPI is calculated using home sales price information from mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. New this quarter, <a href="https&#58;//youtu.be/9fsGqQyl_SY">video highlights</a> of the HPI are available online.</p><p><strong style="line-height&#58;1.6;">Significant Findings​</strong><br class="ms-rteStyle-Normal"></p><div><ul><li>Home prices rose in every state (except for West Virginia) and in th​e District of Columbia between the third quarter of 2014 and the third quarter of 2015. The top five areas in annual appreciation&#58; 1) District of Columbia – 15.4 percent, 2) Colorado – 12.7 percent, 3) Nevada – 12.4 percent, 4) Oregon – 10.0 percent, and 5) Florida – 10.0 percent.<br></li><li>Among the 100 most-populated metropolitan areas in the U.S., four-quarter price increases were greatest in North Port-Sarasota-Bradenton, FL, where prices increased by 16.1 percent. Prices were weakest in El Paso, TX, where they fell 3.6 percent.<br></li><li>Of the nine census divisions, the Mountain division experienced the strongest increase in the third quarter, posting a 2.4 percent quarterly increase and a 9.0 percent increase since the third quarter of last year. House price appreciation was weakest in the New England division, where prices rose 0.2 percent from the last quarter.<br></li></ul></div><div style="font&#58;inherit;">​&#160;<a href="/Media/PublicAffairs/Pages/U-S-House-Prices-Rise-1pt3-Percent-in-Third-Quarter-2015.aspx">Related News Release​</a>​<br> </div></div></div>11/25/2015 2:00:53 PM3423http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - Third Quarter 201519132<font face="Calibri"><ul><li><div align="LEFT">Refinance volume decreased in September 2015 as mortgage rates remained at levels above those observed in the first quarter. Mortgage rates fell in September&#58; the average interest rate on a 30 year fixed rate mortgage dropped to 3.89 percent.</div></li><li><div align="LEFT">In the third quarter of 2015, 25,824 refinances were completed through HARP, bringing total refinances through HARP from the inception of the program to 3,359,471. </div></li><li><div align="LEFT">HARP volume represented 5 percent of total refinance volume in the third quarter of 2015. </div></li><li><div align="LEFT">Year to date through September 2015, borrowers with loan‐to‐value ratios greater than 105 percent accounted for 24 percent of the volume of HARP loans. </div></li><li><div align="LEFT">In September 2015, 8 percent of the loans refinanced through HARP had a loan‐to‐value ratio greater than 125 percent.</div></li><li>Year to date through September 2015, 28 percent of HARP refinances for underwater borrowers were for shorter‐term 15‐ and 20‐year mortgages, which build equity faster than traditional 30‐year mortgages.</li><li>Year to date through September 2015, HARP refinances represented 12 or more percent of total refinances in Florida and Georgia, more than double the 5 percent of total refinances nationwide over the same period.</li><li>Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.&#160;</li></ul><p><a href="/Media/PublicAffairs/Pages/HARP-Refinances-Dip-in-Third-Quarter-2015.aspx">Related News Release</a></p></font>11/24/2015 6:00:17 PM527http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Performance and Accountability Report - 201519098<table width="100%" class="ms-rteTable-0" cellspacing="0" style="height&#58;108px;"><tbody><tr class="ms-rteTableEvenRow-0"><td class="ms-rteTableEvenCol-0" style="width&#58;10%;"> <img src="/AboutUs/Reports/PublishingImages/Report_Gen_Thumbs/2015-FHFA-PAR.png" alt="" style="margin&#58;5px;width&#58;100px;height&#58;130px;box-shadow&#58;#808080 2px 2px 2px;" /> </td><td class="ms-rteTableOddCol-0" style="width&#58;50%;"><p>​<span style="line-height&#58;22px;font-style&#58;normal;font-variant&#58;normal;">This report details FHFA’s activities as regulator of the Federal Home Loan Bank System and as regulator and conservator of Fannie Mae and Freddie Mac during fiscal year 2015.</span><br>&#160;</p><p> <a href="/Media/PublicAffairs/Pages/FHFA-Releases-2015-Performance-and-Accountability-Report.aspx" target="_blank">Related News Release</a></p></td></tr></tbody></table> 11/16/2015 7:00:56 PM1159http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Annual Housing Report - 201518887<p>​<span style="line-height&#58;22px;">This report covers the 2014 housing activities of Fannie Mae and Freddie Mac, fulfilling the statutory requirement of section 1324 of the Safety and Soundness Act. Fannie Mae and Freddie Mac acquired </span><strong style="font-family&#58;'source sans pro', sans-serif;font-size&#58;14px;line-height&#58;22px;">$584</strong><span style="line-height&#58;22px;"> billion of loans on single-family owner-occupied housing and provided funding for </span><strong style="font-family&#58;'source sans pro', sans-serif;font-size&#58;14px;line-height&#58;22px;">738,466</strong><span style="line-height&#58;22px;"> multifamily rental units in 2014.</span></p><p>This report includes information on the Enterprises' performance under their statutory annual housing goals in 2014. The Safety and Soundness Act requires FHFA to establish several annual housing goals for both single-family and multifamily mortgages purchased by Fannie Mae and Freddie Mac. The housing goals include separate categories for single-family and multifamily mortgages on housing that is affordable to low-income and very low-income families, among other categories. The annual housing goals are one measure of the extent to which the Enterprises are meeting their public purposes, which include &quot;an affirmative obligation to facilitate the financing of affordable housing for low- and moderate-income families in a manner consistent with their overall public purposes, while maintaining a strong financial condition and a reasonable economic return.&quot; FHFA's evaluation of the Enterprises' performance in reaching the 2014 goals is still underway. </p><p>This report also compares key aspects of the Enterprises' mortgage purchases with the corresponding aspects of mortgages originated in the primary mortgage market<em>,</em> and discusses the Enterprises' affordable housing allocations and FHFA's National Mortgage Database.​</p>10/30/2015 2:00:29 PM923http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index Report - August 201518859<p>The FHFA House Price Index (HPI) reported a&#160;0.3 percent&#160;increase in U.S. house prices in&#160;August from the previous month.&#160;&#160;From&#160;August 2014 to August 2015, house prices were up&#160;5.5&#160;percent.&#160; For the nine census divisions, seasonally adjusted monthly price changes from&#160;July 2015 to&#160;August 2015 ranged from&#160;-0.4&#160;percent in the&#160;East North Central and Middle Atlantic divisions to +0.8&#160;percent in the&#160;East South Central division.&#160; The 12-month changes were all positive, ranging from +2.2&#160;percent in the&#160;Middle Atlantic&#160;division&#160; to +8.3&#160;percent in the Mountain division.​</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment. </p><p><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt3-Percent-in-August-2015.aspx">Related News Release</a></p>10/22/2015 1:00:38 PM2656http://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

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