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 2015 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 2016 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.
Meet the experts...
Key Topics pages provide information about FHFA's work on a range of issues facing the nation and highlight the most relevant related news releases, reports, statements and web pages on the respective topics.
The Honorable Melvin L. Watt of Charlotte, NC sworn in on January 6th to a 5-year term as the first Senate-confirmed Director of FHFA.
Read more about Director Watt
The Housing and Economic Recovery Act (HERA) of 2008 requires certain information be made publicly available. Sections 1126 and 1212 address the availability of a “public use database”.
Data on mortgages acquired by Fannie Mae and Freddie Mac, which are regulated by FHFA, supplies mortgage lenders, planners, researchers, and housing advocates with information concerning the flow of mortgage credit and capital in America’s communities.
The Department of Housing and Urban Development (HUD) previously released this data annually through the Public Use Database (PUDB) in compliance with Section 1323 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act), as amended, based on loan-level data submitted to HUD by Fannie Mae and Freddie Mac. HUD’s mission regulatory authority with regard to Fannie Mae and Freddie Mac, with the exception of matters pertaining to fair housing/lending, was transferred from HUD to FHFA by the Housing and Economic Recovery Act of 2008 (HERA), which was enacted in July 2008.
The PUDB single-family data set includes detailed information such as the income, race, and 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. The PUDB multifamily property-level data set includes information on the size of the property, unpaid principal balance, and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class file also includes information on the number and affordability of the units in the property. Both the single-family and multifamily data include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. Prior to 2010 the PUDB single-family data set consisted of three files: Census Tract, National A, and National B files. With the 2010 PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The Census Tract file includes information on the location of the property based on the 2000 Census, while the National files contain other information but lack detailed geographic information. The multifamily data set consists of two data files for each year: Census Tract and National files. The National file of the multifamily data set excludes location information. Beginning with the 2012 PUDB the location of single-family and multifamily properties is based on the 2010 Census.
Single-Family Mortgage-Level Owner-Occupied 1-Unit Properties (National File A)
2015 Data (zip) /
Dictionary (pdf) /
Single-Family Unit-Level Properties (1-4), includes Renter-Occupied 1-Unit Properties (National File B)
2015 Data (zip)
Dictionary (pdf) /
Single-Family Mortgage-Level Properties, high-cost single-family mortgages purchased and securitized by the Enterprises (National File C)2015 Data (zip) /
Dictionary (pdf) /
Single-Family Census Tract File2015 Freddie Mac Data (zip) /
2015 Fannie Mae Data (zip) /
2015 GSE Data (zip) /
Dictionary (pdf) /
Multi-Family National File, All Multifamily properties by Unit and Mortgages2015 Data (zip) /
Property Level Dictionary (pdf) / Unit Class Level Dictionary (pdf) / Previous Years
Multi-Family Census Tract File2015 Data (zip) /
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.
The contents of these files are unaudited and are reported directly by the Federal Home Loan Banks to FHFA. Questions concerning the content of these files should be directed to the relevant Federal Home Loan Bank(s).
FHLBank Public Use Database2015 CSV /
2015 Excel /
2015 Definitions /
© 2016 Federal Housing Finance Agency