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.
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As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
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The Enterprise Non-Performing Loan Sales Report includes sales information about NPLs sold through June 30, 2021. Borrower outcomes reflect NPLs reported through June 30, 2021 and sold through December 31, 2020.
The sale of NPLs reduces the number of delinquent loans in the Enterprises' portfolios and transfers credit risk to the private sector. FHFA and the Enterprises impose requirements on NPL buyers designed to achieve more favorable outcomes for borrowers than foreclosure.
This report shows that from the program inception in 2014 through June 30, 2021, the Enterprises sold 130,808 NPLs with a total unpaid principal balance (UPB) of $24.5 billion. The loans included in the NPL sales had an average delinquency of 2.9 years and an average current mark-to-market loan-to-value (LTV) ratio of 91 percent (not including capitalized arrearages).
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