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.
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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.
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The Enterprise Non-Performing Loan Sales Report includes information about NPLs sold through December 31, 2021 and reflects borrower outcomes on NPLs sold through June 30, 2021 and reported through December 31, 2021. 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 imposerequirements on NPL buyers designed to achieve more favorable outcomes for borrowers than foreclosure.
This report provides information about the Enterprises' sales of NPLs and borrower outcomes post-sale. The report contains the following key information:
This report shows that, through December 31, 2021, the Enterprises have sold 154,972 loans with an aggregate unpaid principal balance (UPB) of $28.7 billion, an average delinquency of 2.8 years, and an average mark-to-market loan-to-value ratio of 86 percent, not including capitalized arrearages.
* The outcomes of a Freddie Mac pilot sale in August 2014 are not included in this report because the transaction was executed before FHFA issued NPL sales and reporting requirements.
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