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 2017 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.
Goal: Help restore confidence, enhance capacity to fulfill mission, and mitigate systemic risk that contributed directly to instability in financial markets.
MAINTAIN foreclosure prevention activities and credit availability, REDUCE taxpayer risk, and BUILD a new single-family securitization infrastructure. Read more in the 2018 Scorecard and Conservatorships Strategic Plan.
Plans and Reports
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.
HARP - the Home Affordable Refinance Program was created by FHFA specifically to help homeowners current on their mortgage payments, but underwater on their mortgages.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector.
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Fannie Mae and Freddie Mac single-family maximum allowable mortgage origination balances by county.
Data on “rural areas," “Indian areas,” “high opportunity areas,” and "areas of concentrated poverty" as defined by the Duty to Serve Regulation. The Duty to Serve regulation governs the statutory obligation of Fannie Mae and Freddie Mac to serve very low-, low-, and moderate-income families in three underserved markets: manufactured housing, affordable housing preservation, and rural housing. This statutory obligation is included in the Federal Housing Enterprises Financial Safety and Soundness Act of 1992.
Federal Home Loan Bank members include thrift institutions, commercial banks, credit unions and insurance companies.
FHFA developed stress tests that are used to estimate potential future losses under stressful economic conditions. The estimates of potential future stress losses represent the amount of capital a Bank should have available to cover certain risks posed by changing economic conditions. There are two separate stress tests, one subjecting the entire Bank portfolio to market risk shocks, and one subjecting Bank held mortgage assets to credit risk shocks.
The HPI is a broad measure of the movement of single-family house prices in the United States. The HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. This information is obtained by reviewing repeat mortgage transactions on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac since January 1975.
Total mortgages held or securitized by Fannie Mae and Freddie Mac as a Percentage of Residential Mortgage Debt Outstanding, 1990-2010
Statistics for conventional and government-insured or -guaranteed loans and, within each of those sectors, for fixed-rate and adjustable-rate mortgages. Conventional loans are also divided into jumbo and non-jumbo loans.
Data on activities by the Department of the Treasury and the Federal Reserve System to support mortgage markets through purchases of securities issued by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and by Ginnie Mae, a federal agency that guarantees securities backed by mortgages insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs, and other federal agencies.
The survey provides monthly information on interest rates, loan terms, and house prices by property type (all, new, previously occupied), by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks, and savings banks), as well as information on 15-year and 30-year fixed-rate loans. In addition the survey provides quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district.
Publication of the aggregate data from the National Mortgage Database (NMDB®) is a step towards implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008.
This is the public use file for the National Survey of Mortgage Originations (NSMO), a component of the National Mortgage Database (NMDB®) Program. NSMO is jointly funded and managed by FHFA and the Bureau of Consumer Financial Protection (BCFP). The survey is administered quarterly to borrowers associated with a nationally representative sample of newly originated closed-end first-lien residential mortgages.
The public use databases include data from Fannie Mae and Freddie Mac as well as the Federal Home Loan Bank System data. Data sets include:
Single Family Data includes income, race, gender of the borrower as well as the census tract location of the property, loan-to-value ratio, age of mortgage note, and affordability of the mortgage.
Multifamily Data includes size of the property, unpaid principal balance, and type of seller/servicer from which Fannie Mae or Freddie Mac acquired the mortgage.
Multifamily Unit-Class Data includes a linkage to the property record in the Multifamily Data Set and information on the number and affordability of the units in the property.
HERA Section 1212 requires the Director to make available to the public, in a form that is useful to the public (including forms accessible electronically), and to the extent practicable, census tract level data relating to mortgages purchased by each Federal Home Loan Bank.
Underserved area designations for census tracts in Metropolitan Statistical Areas (MSAs) and nonmetropolitan parts of states. These designations are utilized for scoring mortgage purchases toward location-based housing goals.
© 2019 Federal Housing Finance Agency