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FANNIE MAE AND FREDDIE MAC Reports


 

Fannie Mae and Freddie Mac (the Enterprises) were created by Congress to provide stability and liquidity in the secondary housing finance market. These reports are related to Fannie Mae’s and Freddie Mac’s activities to meet their mission and the Enterprises’ financial performance and condition.



 

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 Recent Fannie Mae and Freddie Mac Reports

 

 

Prepayment Monitoring Report - Third Quarter 20192745812/9/2019 5:00:00 AM<p>On June 3, 2019, Fannie Mae and Freddie Mac began issuing a new common mortgage-backed security, known as the Uniform Mortgage-Backed Securities or UMBS, through their jointly developed Common Securitization Platform, bringing to fruition important elements of FHFA's <a href="/AboutUs/Reports/Pages/2014-Conservatorships-Strategic-Plan.aspx">2014 Strategic Plan for the Conservatorships of</a>&#160;<a href="/AboutUs/Reports/Pages/2014-Conservatorships-Strategic-Plan.aspx">Fannie Mae and Freddie Mac</a>.&#160; On March 12, 2019 forward trading of UMBS began in the “To-Be-Announced&quot; (TBA) market <a href="#footNote1">[1]</a>, with first settlements of the UMBS trades coinciding with their initial issuance by the Enterprises on June 3, 2019.</p> <p>FHFA encouraged Fannie Mae and Freddie Mac to develop this new security to broaden and enhance liquidity in the secondary market for residential mortgages and to reduce costs to taxpayers.<a href="#footNote2">[2]</a>&#160; To address those goals, UMBS issued by Fannie Mae and Freddie Mac trade in the TBA market without regard to which Enterprise is the issuer, effectively merging the formerly separate markets for mortgage-backed securities issued by each Enterprise. </p><p>Consistency of prepayment rates is important to the success of UMBS and to the efficiency and liquidity of the secondary mortgage market.&#160; Some industry stakeholders have expressed concern that the rates of prepayment of the Enterprises' securities might materially diverge and undermine their fungibility.&#160; FHFA has taken a number of steps to promote the continued consistency of prepayment rates of Fannie Mae- and Freddie Mac-issued mortgage-backed securities (MBS).&#160; This quarterly report provides market participants additional transparency into a sample of the data FHFA receives and reviews on a monthly basis.</p><p>Ex post monitoring of prepayment rates is part of a broader effort to assure investors that cash flows from UMBS will be similar regardless of which Enterprise is the issuer.&#160; This report provides insight into how FHFA monitors the consistency of prepayment rates across cohorts of the Enterprises' TBA-eligible MBS,<a href="#footNote3">[3]</a> where a cohort consists of those Enterprise TBA-eligible securities with the same coupon, maturity, and loan-origination year and total combined issuance across the Enterprises exceeds $10 billion.&#160; A prepayment on a mortgage loan is the amount of principal paid in advance of the loan's scheduled payments. &#160;Full prepayment occurs when a borrower pays off the loan ahead of the scheduled maturity.&#160; If a borrower defaults on the mortgage loan, the Enterprise will pay investors the remaining principal balance and remove the loan from the MBS.&#160; That action has the same effect on investors as a full prepayment. &#160;Partial prepayment occurs when a borrower pays principal in addition to the regularly scheduled payment of principal and interest. <br></p><p> <a name="footNote1">[1]</a> The TBA market is a forward market for certain mortgage-backed securities, including those issued by Fannie Mae and Freddie Mac.</p><p> <a name="footNote2">[2]</a> See <a href="/AboutUs/Reports/ReportDocuments/Single%20Security%20Update%20final.pdf"> <span style="text-decoration&#58;underline;"> <em>An Update on the Structure of the Single Security</em></span></a>, May 2015, p. 4</p><p> <a name="footNote3">[3]</a> To avoid double counting, only first-level securitizations are included in the analysis. Second-level securitizations (Megas, Giants, and Supers) are excluded, with the exception of fastest quartile analyses in which case multi-lender second-level securitizations are included.&#160;&#160;&#160;<br>&#160;</p>12/9/2019 4:00:25 PMHome / About FHFA / Reports / Prepayment Monitoring Report - Third Quarter 2019 Prepayment Monitoring 354https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Enterprise Non-Performing Loan Sales Report - June 20193010912/2/2019 5:00:00 AM<p>The Federal Housing Finance Agency (FHFA) today released its semiannual report&#160;providing information about the sale of non-performing loans (NPLs) by Fannie Mae and Freddie Mac (the Enterprises).&#160; The <a href="/AboutUs/Reports/ReportDocuments/June-2019_NPL-Sales-Report.pdf"> <em> Enterprise Non-Performing Loan Sales Report</em>&#160;</a>includes information about NPLs sold through June 30, 2019 and reflects borrower outcomes on NPLs sold through December 2018 and reported through June 30, 2019.&#160; The sale of NPLs reduces the number of delinquent loans in the Enterprises' portfolios.&#160; FHFA and the Enterprises impose <a href="/Media/PublicAffairs/Pages/Non-Performing-Loan-Sale-Guidelines.aspx"> requirements</a> on NPL buyers designed to achieve more favorable outcomes for borrowers than&#160;foreclosure.&#160;&#160;This report shows that, through June 30, 2019, the Enterprises sold 117,466 NPLs representing a total unpaid principal balance (UPB) of $22.2 billion.</p><p> <em><a href="/Media/PublicAffairs/Pages/FHFA-Releases-Report-on-Non-performing-Loan-Sales_12-2019.aspx">Related News Release</a></em></p>12/2/2019 6:00:45 PMHome / About FHFA / Reports / Enterprise Non-Performing Loan Sales Report - June 2019 Enterprise 233https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index - 3Q 20193000011/26/2019 5:00:00 AM<p>U.S. house prices rose in the third quarter of 2019, up <strong>1.1 percent</strong> according to the Federal Housing Finance Agency (FHFA) House Price Index (HPI).&#160; House prices rose <strong>4.9 percent </strong>from the third quarter of 2018 to the third quarter of 2019.&#160; FHFA's seasonally adjusted monthly index for September was up <strong>0.6 percent</strong> from August.</p><p> <strong>Significant Findings​</strong></p><ul><li><p>House prices have risen for 33 consecutive quarters across the United States.</p></li><li><p>House prices rose in all 50 states and the District of Columbia between the third quarters of 2018 and 2019.&#160; The top five states in annual appreciation were&#58; 1) <strong>Idaho </strong>11.6 percent; 2) <strong>Maine </strong>7.9 percent; 3) <strong>Arizona </strong>7.9 percent; 4) <strong>Utah </strong>7.8 percent; and 5) <strong>Indiana </strong>7.4 percent. &#160;The states showing the smallest annual appreciation were&#58; &#160;1) <strong>Illinois </strong>1.9 percent; 2) <strong>Connecticut </strong>2.2 percent; 3) <strong>Maryland </strong>2.4 percent; 4)<strong> South Dakota</strong> 2.7 percent; and 5) <strong>Iowa </strong>3.2 percent.</p></li><li><p>House prices rose in all 100 of the largest metropolitan areas in the U.S. over the last four quarters. &#160;Annual price increases were greatest in <strong>Boise City, ID,</strong> where prices increased by 11.1 percent.&#160; Prices were weakest in <strong>Camden, NJ (MSAD),</strong> where they increased 0.7 percent.</p></li><li><p>Of the nine census divisions, the <strong>Mountain </strong>division experienced the strongest four-quarter appreciation, posting a 6.9 percent gain between the third quarters of 2018 and 2019 and a 1.8 percent increase in the third quarter of 2019. &#160;Annual house price appreciation was weakest in the <strong>Middle Atlantic</strong> division, where prices rose by 4.0 percent between the third quarters of 2018 and 2019.</p></li><li><p>FHFA produced Fact Sheets that include graphics on the Top 20 and Bottom 20 ranked Metropolitan Statistical Areas in the U.S. here&#58; <a href="/HPI-Fact-Sheets">https&#58;//www.fhfa.gov/HPI-Fact-Sheets</a>.</p></li></ul><p> <a href="/Media/PublicAffairs/Pages/US-House-Prices-Rise-1pt1-Percent-in-Third-Quarter-Up-4pt9-Percent-from-Last-Year.aspx">Related News Release</a></p><p> <a href="/DataTools/Tools/Pages/Four-Quarter-Heat-Map.aspx">Link to interactive map</a></p><p> <a href="/DataTools/Downloads/Pages/House-Price-Index.aspx">More information about FHFA HPI<br> </a></p>11/26/2019 2:00:59 PMHome / About FHFA / Reports / U.S. House Price Index - 3Q 2019 House Price Index 2822https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Credit Risk Transfer Progress Report 2Q20192574811/12/2019 5:00:00 AM<p style="font-style&#58;normal;">​The Report provides a comprehensive picture of how Fannie Mae and Freddie Mac (the Enterprises) transfer a substantial portion of credit risk to the private sector through a variety of transactions in both the single-family and multifamily markets.&#160;<br></p><font color="#000000" face="Times New Roman" size="3"></font><font color="#000000" face="Times New Roman" size="3"></font><font color="#000000" face="Times New Roman" size="3"></font><font color="#000000" face="Times New Roman" size="3"></font><p style="font-style&#58;normal;">From the beginning of the Enterprises' Single-Family CRT programs in 2013 through the second quarter&#160;of 2019,&#160;Fannie Mae and Freddie Mac&#160;have transferred a portion of credit risk on $3.1&#160;trillion of unpaid principal balance (UPB), with a combined Risk in Force (RIF) of about $102&#160;billion, or 3.3 percent of UPB. An additional $1.4&#160;trillion of UPB and $346&#160;billion of RIF has been transferred to primary mortgage insurers from 2013 through the second quarter&#160;of 2019.&#160;Through CRT and mortgage insurance, the majority of the underlying mortgage credit risk on mortgages targeted for CRT has been transferred to private investors.<br></p><p><a href="/Media/PublicAffairs/Pages/FHFA-Updates-Progress-on-FNM-and-FRE-Transfer-Programs-111219.aspx">Related News Release</a>​<br></p>11/12/2019 6:00:47 PMHome / About FHFA / Reports / Credit Risk Transfer Progress Report 2Q2019 Credit Risk Transfer Progress 425https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention, Refinance and FPM Report - August 20193284211/8/2019 5:00:00 AM<h3 style="margin&#58;0px;font-weight&#58;900;font-family&#58;lato, sans-serif;color&#58;#404040;font-size&#58;20px;border&#58;0px;font-stretch&#58;inherit;vertical-align&#58;baseline;padding&#58;0px;background-color&#58;#ffffff;">​August 2019&#160;Highlights -- Foreclosure Prevention&#160;<br></h3><p style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;padding&#58;0px;background-color&#58;#ffffff;color&#58;#404040 !important;"><span style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;font-size&#58;inherit;line-height&#58;inherit;font-family&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;font-weight&#58;700 !important;">The Enterprises' Foreclosure Prevention Actions&#58;</span></p><ul style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;inherit;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px;list-style-position&#58;initial;list-style-image&#58;initial;background-color&#58;#ffffff;"><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">The Enterprises completed 8,464&#160;foreclosure prevention actions in August, bringing the total to 4,372,944&#160;since the start of the conservatorships in September 2008.&#160;Over half of these actions have been permanent loan modifications.</div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">There were 5,721&#160;permanent loan modifications in August, bringing the total to 2,368,691&#160;since the conservatorships began in September 2008.</div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">Twenty-nine&#160;percent of modifications in August were modifications with principal forbearance. Modifications with extend-term only accounted for 65&#160;percent of all loan modifications during the month.</div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">There were 432 short sales and deeds-in-lieu of foreclosure completed in August, down 4&#160;percent compared with July.</div></li></ul><p style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;padding&#58;0px;background-color&#58;#ffffff;color&#58;#404040 !important;"><span style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;font-size&#58;inherit;line-height&#58;inherit;font-family&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;font-weight&#58;700 !important;">The Enterprises' Mortgage Performance&#58;</span></p><ul style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;inherit;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px;list-style-position&#58;initial;list-style-image&#58;initial;background-color&#58;#ffffff;"><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;">The serious delinquency rate remaiined unchaged at 0.65&#160;percent at the end of August&#160;from&#160;July.<br></li></ul><p style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;22px;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;padding&#58;0px;background-color&#58;#ffffff;color&#58;#404040 !important;"><span style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;font-size&#58;inherit;line-height&#58;inherit;font-family&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;font-weight&#58;700 !important;">The Enterprises' Foreclosures&#58;</span></p><ul style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;inherit;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px;list-style-position&#58;initial;list-style-image&#58;initial;background-color&#58;#ffffff;"><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;">Third-party and foreclosure sales decreased slightly&#160;from 3,328&#160;in July to 3,321&#160;in August.</li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;">Foreclosure starts decreased from 10,054&#160;in July to 8,941&#160;in August.<br></li></ul><h3 style="margin&#58;0px;font-weight&#58;900;font-family&#58;lato, sans-serif;color&#58;#404040;font-size&#58;20px;border&#58;0px;font-stretch&#58;inherit;vertical-align&#58;baseline;padding&#58;0px;background-color&#58;#ffffff;">​August 2019&#160;Highlights -- Refinance Activities&#160;<br></h3><ul style="border&#58;0px;font-stretch&#58;inherit;font-size&#58;14px;line-height&#58;inherit;font-family&#58;&quot;source sans pro&quot;, sans-serif;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px;list-style-position&#58;initial;list-style-image&#58;initial;background-color&#58;#ffffff;"><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">Total refinance volume increased in August 2019 as mortgage rates fell in previous months. Mortgage rates decreased in August&#58; the average interest rate on a 30-year fixed rate mortgage fell to 3.62 percent from 3.77 percent in July.<br></div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">The percentage of cashout refinances decreased as mortgage rates fell in previous months, creating more opportunities for non cashout borrowers to refinance at lower rates and lower their monthly payments.&#160;<br></div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">In August 2019, borrowers completed 2 refinances through HARP, bringing total refinances since the inception of the program to 3,495,410.<br></div></li><li style="border&#58;0px;font-style&#58;inherit;font-variant&#58;inherit;font-stretch&#58;inherit;line-height&#58;16px;vertical-align&#58;baseline;margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;"><div style="border&#58;0px;font&#58;inherit;vertical-align&#58;baseline;margin&#58;0px;padding&#58;0px;">Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.&#160;<br></div></li></ul>11/8/2019 4:01:02 PMHome / About FHFA / Reports / Foreclosure Prevention, Refinance and FPM Report - August 2019 Foreclosure 300https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Annual Housing Report - 2019 (covers activities 1/2018 - 12/2018)2736710/30/2019 4:00:00 AM<p></p><p>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).&#160;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.</p><p>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.</p><p>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.​<br></p>10/30/2019 5:00:22 PMHome / About FHFA / Reports / Annual Housing Report - 2019 (covers activities 1/2018 - 12/2018) Annual 1268https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
The 2019 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac2733910/28/2019 4:00:00 AM<table class="ms-rteTable-0" cellspacing="0" style="width&#58;100%;"><tbody><tr class="ms-rteTableEvenRow-0"><td class="ms-rteTableEvenCol-0" style="width&#58;10%;"> <a href="/AboutUs/Reports/ReportDocuments/2014StrategicPlan05132014Final.pdf">​</a><img class="ms-rtePosition-1" alt="2019 Conservatorship Strategic Plan Report Cover" src="/AboutUs/Reports/PublishingImages/2019-Strategic-Plan-thumb.png" style="margin&#58;5px;width&#58;100px;height&#58;130px;box-shadow&#58;2px 2px 2px #808080;" /></td><td class="ms-rteTableOddCol-0" style="width&#58;50%;"><p>​Since January 6, 2014, FHFA has conducted an ongoing assessment of its obligations and statutory mandates in an effort to update the Strategic Plan released in 2012. FHFA’s 2019 Strategic Plan reflects this assessment and provides a new approach to the conservatorships of Fannie Mae and Freddie Mac. The 3 core objectives of the Strategic Plan are to ensure the Enterprises&#58;<br></p><ol><li><p>FOSTER competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing;</p></li><li><p>OPERATE in a safe and sound manner appropriate for entities in conservatorships; and <br></p></li><li><p>PREPARE for their eventual exit from conservatorships.<br></p></li></ol></td></tr></tbody></table>10/28/2019 2:00:48 PMHome / About FHFA / Reports / The 2019 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac Since January 6, 2014, FHFA has conducted an ongoing assessment of 3067https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
2020 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions2734210/28/2019 4:00:00 AM<p>​The Federal Housing Finance Agency (FHFA) today released the 2020 Scorecard outlining specific conservatorship priorities for Fannie Mae, Freddie Mac (the Enterprises), and their joint venture, Common Securitization Solutions, LLC (CSS).&#160; The 2020 Scorecard furthers the goals outlined in <a href="/AboutUs/Reports/ReportDocuments/2019-Strategic-Plan.pdf">FHFA's Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac</a>, published in October 2019.&#160; These goals include&#58;</p><ul><li><strong>Foster</strong> competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets that support sustainable homeownership and affordable rental housing;</li><li><strong>Operate</strong> in a safe and sound manner appropriate for entities in conservatorships; and </li><li><strong>Prepare</strong> for their eventual exit from conservatorships.</li></ul><p><a href="/Media/PublicAffairs/Pages/FHFA-Releases-New-Strategic-Plan-and-Scorecard-for-Fannie-Mae-and-Freddie-Mac-.aspx">Related News Release</a></p>10/28/2019 2:00:53 PMHome / About FHFA / Reports / 2020 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions The Federal Housing Finance Agency (FHFA) today released the 2020 2546https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
House Price Index - August 20192731310/23/2019 4:00:00 AM<div aria-labelledby="ctl00_PlaceHolderMain_ctl03_label" style="display&#58;inline;"><div class="custom-contentTypeContent"><p>​​The FHFA House Price Index (HPI) reported a 0.2&#160;percent increase in U.S. house prices in August from the previous month.&#160; From August 2018 to August&#160;2019, house prices were up 4.6&#160;percent.&#160; For the nine census divisions, seasonally adjusted monthly price changes from July 2019 to August&#160;2019 ranged from -0.8 percent in the East South Central&#160;division to +0.9&#160;percent in the New England&#160;division.&#160; The 12-month changes were all positive, ranging from +3.9&#160;percent in the Middle Atlantic and Pacific&#160;divisions to +6.5&#160;percent in the Mountain division.</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the tables and graphs in the attachment.&#160;</p><p><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt2-Percent-in-August-2019.aspx">Related News Release</a></p></div></div>10/23/2019 1:00:46 PMHome / About FHFA / Reports / House Price Index - August 2019 House Price Index 3680https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention, Refinance, and FPM Report – July 20192753910/9/2019 4:00:00 AM<h2>July 2019 Highlights — Foreclosure Prevention</h2><h4>The Enterprises' Foreclosure Prevention Actions&#58;</h4><ul><li>The Enterprises completed 9,908 foreclosure prevention actions in July, bringing the total to 4,364,469 since the start of the conservatorships in September 2008. Over half of these actions have been permanent loan modifications.</li><li>There were 6,553 permanent loan modifications in July, bringing the total to 2,362,970 since the conservatorships began in September 2008.</li><li>Twenty-six percent of modifications in July were modifications with principal forbearance. Modifications with extend-term only accounted for 67 percent of all loan modifications during the month.</li><li>There were 449 short sales and deeds-in-lieu of foreclosure completed in July, down 7 percent compared with June.</li></ul><h4>The Enterprises' Mortgage Performance&#58;</h4><ul><li>The serious delinquency rate decreased slightly from 0.67 percent at the end of June to 0.65 percent at the end of July.</li></ul><h4>The Enterprises' Foreclosures&#58;</h4><ul><li>Third-party and foreclosure sales increased from 3,277 in June to 3,351 in July.</li><li>Foreclosure starts also increased from 9,165 in June to 10,054 in July.</li></ul><h4>July 2019 Highlights — Refinance Activities</h4><ul><li>Total refinance volume increased in July 2019 as mortgage rates fell in previous months. Mortgage rates decreased in July&#58; the average interest rate on a 30-year fixed rate mortgage fell to 3.77 percent from 3.80 percent in June.</li></ul><blockquote dir="ltr" style="margin-right&#58;0px;"><p><strong>In July 2019&#58; </strong></p></blockquote><ul><li>Borrowers completed 2 refinances through HARP, bringing total refinances from the inception of the program to 3,495,408.</li><li>Borrowers completed 1 refinance through the High LTV Refinance Option, representing the first transaction in the Enterprises' refinancing options designed to replace HARP.</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>10/9/2019 7:00:48 PMHome / About FHFA / Reports / Foreclosure Prevention, Refinance, and FPM Report – July 2019 Foreclosure 440https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

​Note: Some of FHFA’s reports have evolved over time. On December 2, 2008, FHFA submitted the first Federal Property Manager’s Report to Congress and until May 2012 these reports included refinance activity.  After May 2012, the Federal Property Manager’s Report contained the same content as the monthly and quarterly Foreclosure Prevention Reports, so the Federal Property Manager’s Report was no longer released separately.

View Federal Property Manager’s Reports from December 2008 – April 2012.

View Refinance Reports.


 




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