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Public Use Database - Fannie Mae and Freddie Mac

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.

The PUDB must include the same data for the Enterprises that is required under the Home Mortgage Disclosure Act (HMDA), subject to modifications to protect borrower privacy, as required by 12 U.S.C. 4543(a)(2) and 4546(d). 

The 2018 PUDB has been released as an interim release pending receipt of additional data fields that reflect new 2018 reporting requirements under HMDA. FHFA has ordered the Enterprises to provide the additional data as set out in updated Matrices that specify the new data requirements. A final release that includes the additional HMDA data fields will replace the 2018 PUDB. 



Single-Family Mortgage-Level Owner-Occupied 1-Unit Properties (National File A)
2018 Data (zip) / Dictionary (pdf) / Previous Years

Single-Family Unit-Level Properties (1-4), includes Renter-Occupied 1-Unit Properties (National File B)
2018 Data (zip) / Dictionary (pdf) / Previous Years

Single-Family Mortgage-Level Properties, high-cost single-family mortgages purchased and securitized by the Enterprises (National File C)
2018 Data (zip) / Dictionary (pdf) / Previous Years

Single-Family Census Tract File
2018 Freddie Mac Data (zip) / 2018 Fannie Mae Data (zip) / 2018 GSE Data (zip) / Dictionary (pdf) / Previous Years

Multifamily National File, All Multifamily properties by Unit and Mortgages
2018 Data (zip) /Property Level Dictionary (pdf) / Unit Class Level Dictionary (pdf) /  Previous Years

Multifamily Census Tract File
2018 Data (zip) / Dictionary (pdf) / Previous Years


Public Use Database - Federal Home Loan Bank System

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 Database
2018 CSV / 2018 Excel / 2018 Definitions / Previous Years​​

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