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 2020 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
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As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
Operate the business in a safe and sound manner.
Promote sustainable and equitable access to affordable housing.
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.
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This Annual Housing Report (Report) describes the affordable housing activities of the Enterprises during 2018 and meets the reporting requirements of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended (Safety and Soundness Act). The Report describes FHFA's preliminary review of the Enterprises' 2018 housing goals performance. The Report also contains the results of FHFA's evaluations and ratings of the Enterprises' 2018 Duty to Serve performance, as well as highlights and challenges of selected Duty to Serve activities.
The Report includes information about the distribution of single-family loans by race/ethnicity, gender, and census tract median income. In addition, the Report includes a breakdown of the single-family mortgage product-types purchased by each Enterprise, as well as information on mortgage payment type (e.g., fixed-rate or adjustable-rate mortgage), loan-to-value ratios, and credit scores for 2018.
The Report also describes the affordable housing allocations made by each Enterprise, as well as FHFA's efforts to survey the mortgage markets and release loan-level data submitted by the Enterprises to the public. Finally, the Report discusses subprime, nontraditional, and higher-priced mortgage loans.
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