About Us

Performance and
Accountability Report

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.

FHFA Values

Fairness	We value varied perspectives and thoughts and treat others with impartiality.
Accountability	We are responsible for carrying out our work with transparency and professional excellence.
Integrity	We are committed to the highest ethical and professional standards to inspire trust and confidence in our work.
Respect	We treat others with dignity, share information and resources, and collaborate.

Supervision
& Regulation

Annual Report to Congress

Read about the agency’s 2020 examinations
of Fannie Mac, Freddie Mac and
the Home Loan Bank System.

Plans and Reports

We Want to Hear From You

Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.

Conservatorship

Conservatorship of Fannie Mae
and Freddie Mac

As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.

Conservatorship
Performance Goals

1.	Operate the business in a safe and sound manner.
2.	Promote sustainable and equitable access to affordable housing.

2023 Scorecard

Data & Tools

Downloadable Data
& Data 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.

House Price Index Release Dates

See HPI Release Dates for 2023

Policy, Programs & Research

Source: FHFA

FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts...

Mortgage Translations
Mortgage Translations

Glossaries

COVID-19 Resources

National Survey of Mortgage Originations (NSMO) Public Use File

Data

Borrower Assistance Map

Conforming Loan Limit Values

Duty to Serve Eligibility Data

Duty to Serve Performance Data

Enterprise Housing Goals

Fair Lending Data

Federal Home Loan Bank Member Data

Federal Home Loan Bank Stress Tests for Market and Credit Risk

FHFA House Price Index

Market Data

Public Use Databases

MIRS Transition Index

Underserved Areas Data

National Mortgage Database (NMDB) Aggregate Statistics

National Survey of Mortgage Originations (NSMO) Public Use File

Uniform Appraisal Dataset Aggregate Statistics

Home / Data & Tools / Data / National Survey of Mortgage Originations (NSMO) Public Use File

National Survey of Mortgage Originations (NSMO) Public Use File

The National Survey of Mortgage Originations (NSMO) is a component of the National Mortgage Database (NMDB^®) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish.

NSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed here.

The NSMO public use file was updated on March 3, 2023, to append additional survey records and two additional quarters of mortgage performance information. It replaced the public use file released on December 13, 2022, containing data for sample mortgage originated from 2013 through 2020 based on the first 30 quarterly waves of the NSMO survey. The updated file contains 45, 235 sample mortgages for the same origination years based on the same quarterly waves.

The original NSMO public use file was published on November 8, 2018, containing mortgages originated from 2013 through 2016. It was first updated on February 20, 2020, containing mortgages originated through 2017, and subsequently updated on July 29, 2021, containing mortgages originated through 2019.

If you would like to sign up to receive email notifications when the NSMO data or documents are updated, please enter your email in the “Want to Subscribe" section on the bottom of the page.

Dataset

The Public Use File (PUF) is available in several formats including CSV, JSON, R, SAS, Stata, and XML. By downloading and using the following data files, you are acknowledging that you have read and agreed to the Notice of Monitoring and Terms of Service.

Link to Public Use File (3/3/2023)