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
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...
Glossaries
COVID-19 Resources
I always thought it was odd that the FICO score gave more weight and a higher score to folks whose credit cards hold a balance on each and every card, within a certain percentage. What about folks whose credit cards have zero balance, because they use them infrequently or pay them down to zero every month? Isn't that prudent use of credit deserving a higher score? I am not familiar with Vantage, but competition is the best way to have a fair market. I have 50,000 competitors in my state (licensed agents), so FICO needs some competition as well! Let the mortgage company decide which credit system makes sense for their risk management! Or let them use both and weigh the borrower's scores from each, using a human being who can comprehend details of extenuating circumstances more than an inanimate computer!!
