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Industry

 

Welcome to the Industry page of FHFA’s website.  This page provides consolidated resources for small and large companies, trade groups, advocacy organizations, vendors, originators, servicers, investors, and mortgage insurers, among others who are interested in the nation’s housing finance system. 

 

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Refinance Report - May 201723376<h2>May 2017 Highlights</h2><p>Total refinance volume fell in May 2017 as mortgage rates in April remained over half a percent higher than the lows observed in 2016. Mortgage rates decreased in May&#58; the average interest rate on a 30-year fixed rate mortgage fell to 4.01 percent from 4.05 percent in April.</p><p>In May 2017&#58;</p><ul><li>Borrowers completed 3,291 refinances through HARP, bringing total refinances from the inception of the program to 3,467,881.</li><li>HARP volume represented 3 percent of total refinance volume.</li><li>Five percent of the loans refinanced through HARP had a loan-to-value ratio greater than 125 percent.</li></ul><p>Year to date through May 2017&#58;</p><ul><li>Borrowers with loan-to-value ratios greater than 105 percent accounted for 19 percent of the volume of HARP loans.</li><li>Twenty-five percent of HARP refinances for underwater borrowers were for shorter-term 15- and 20-year mortgages, which build equity faster than traditional 30-year mortgages.</li><li>HARP refinances represented 6 or more percent of total refinances in Nevada, and Florida, double the 3 percent of total refinances nationwide over the same period.</li></ul><p>Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.</p><p>Ten states accounted for over 60 percent of the Nation's HARP eligible loans with a refinance incentive as of December 31, 2016.</p>7/18/2017 3:00:05 PM164https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention Report - April 201723318<h3 style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#404040;text-transform&#58;none;line-height&#58;1.4;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;lato, sans-serif;font-size&#58;20px;font-style&#58;normal;font-weight&#58;900;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;">April&#160;2017 Highlights</h3><p style="margin&#58;0px 0px 10px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#404040 !important;text-transform&#58;none;line-height&#58;22px;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><strong style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;line-height&#58;inherit;font-family&#58;inherit;font-size&#58;inherit;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;700 !important;vertical-align&#58;baseline;font-stretch&#58;inherit;">The Enterprises' Foreclosure Prevention Actions&#58;</strong></p><ul style="margin&#58;0px 0px 0px 20px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#444444;text-transform&#58;none;line-height&#58;inherit;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">The Enterprises completed 16,521 foreclosure prevention actions in April, bringing the total to 3,898,985 since the start of the conservatorships in September 2008.&#160; Over half of these actions have been permanent loan modifications.</li><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">There were 11,328 permanent loan modifications in April, bringing the total to 2,065,576 since the conservatorships began in September 2008.</li><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">The share of modifications with principal forbearance accounted for 32 percent of all permanent modifications in April. Modifications with extend-term only increased to 38&#160;percent during the month due to continuing improvement in house prices.</li><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">There were 1,650 short sales and deeds-in-lieu completed in April, down 10 percent compared with March.</li></ul><p style="margin&#58;0px 0px 10px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#404040 !important;text-transform&#58;none;line-height&#58;22px;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><strong style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;line-height&#58;inherit;font-family&#58;inherit;font-size&#58;inherit;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;700 !important;vertical-align&#58;baseline;font-stretch&#58;inherit;">The Enterprises' Mortgage Performance&#58;</strong></p><ul style="margin&#58;0px 0px 0px 20px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#444444;text-transform&#58;none;line-height&#58;inherit;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">The serious delinquency rate fell further from 1.04 percent at the end of March to 1.01 percent at the end of April.</li></ul><p style="margin&#58;0px 0px 10px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#404040 !important;text-transform&#58;none;line-height&#58;22px;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><strong style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;line-height&#58;inherit;font-family&#58;inherit;font-size&#58;inherit;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;700 !important;vertical-align&#58;baseline;font-stretch&#58;inherit;">The Enterprises' Foreclosures&#58;</strong></p><ul style="margin&#58;0px 0px 0px 20px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#444444;text-transform&#58;none;line-height&#58;inherit;text-indent&#58;0px;letter-spacing&#58;normal;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-style&#58;normal;font-weight&#58;normal;word-spacing&#58;0px;vertical-align&#58;baseline;white-space&#58;normal;orphans&#58;2;widows&#58;2;font-stretch&#58;inherit;background-color&#58;#ffffff;text-decoration-style&#58;initial;text-decoration-color&#58;initial;"><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">Third-party and foreclosure sales decreased 16 percent from 6,581 in March to 5,523 in April.</li><li style="margin&#58;0px 0px 0px 20px;padding&#58;0px 0px 10px;border&#58;0px currentcolor;line-height&#58;16px;font-family&#58;&quot;source sans pro&quot;, sans-serif !important;font-size&#58;14px;font-style&#58;inherit;font-variant&#58;inherit;font-weight&#58;400;vertical-align&#58;baseline;font-stretch&#58;inherit;">Foreclosure starts increased 10 percent from 15,478 in March to 17,056 in April.</li></ul>7/12/2017 3:00:24 PM180https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Extends Deadline to July 31 on Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency23143<p><strong>Washington, DC</strong> – The Federal Housing Finance Agency (FHFA) is extending the deadline from July 10 to July 31 to allow more time for interested parties to provide input on issues facing qualified mortgage borrowers with Limited English Proficiency (LEP) throughout the mortgage life cycle process, including mortgage lending and servicing.</p><p>FHFA <a href="/Media/PublicAffairs/Pages/FHFA-Issues-Request-for-Input-to-Improve-Access-to-Credit-for-Qualified-Mortgage-Borrowers-with-Limited-English-Proficiency.aspx">announced on May 25</a> that it was requesting input on ways to improve access to credit for qualified mortgage borrowers with limited English proficiency.</p><p>Input should be <a href="/AboutUs/Contact/Pages/Request-for-Information-Form.aspx">submitted electronically</a> or via mail by July 31, 2017, to the Federal Housing Finance Agency, Office of Housing and Regulatory Policy, 400 7th Street, S.W., 9th floor, Washington, D.C., 20219.&#160; </p>6/29/2017 7:00:08 PM856https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA House Price Index Up 0.7 Percent in April23096<p> <strong>Washington, D.C.&#160;</strong>– U.S. house prices rose in April, up <strong>0.7 percent</strong> from the previous month, according to the Federal Housing Finance Agency (FHFA) seasonally adjusted monthly House Price Index (HPI). &#160;The previously reported 0.6 percent increase in March was revised upward to reflect a 0.7 percent increase.&#160; </p><p>The FHFA monthly HPI is calculated using home sales price information from mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac.&#160; From April 2016 to April 2017, house prices were up <strong>6.8</strong><strong> </strong> <strong>p</strong><strong>e</strong><strong>r</strong><strong>c</strong><strong>en</strong><strong>t</strong>.&#160; </p><p>For the nine census divisions, seasonally adjusted monthly price changes from March 2017 to April 2017 ranged from <strong>-0.1</strong> <strong>p</strong><strong>e</strong><strong>r</strong><strong>ce</strong><strong>n</strong><strong>t</strong> in the East South Central division to <strong>+1.6</strong><strong> </strong> <strong>p</strong><strong>e</strong><strong>r</strong><strong>ce</strong><strong>n</strong><strong>t</strong> in the West South Central division.&#160; The 12-month changes were all positive, ranging from <strong>+4.7 percent</strong> in the West North Central division to <strong>+8.9 percent</strong> in the Mountain division.</p><p>Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs on the following pages.&#160; Complete historical downloadable data and HPI release dates for 2017 are available on the <a href="/hpi">HPI page</a>. </p><p>For detailed information on the HPI, see <a href="/Media/PublicAffairs/Pages/Housing-Price-Index-Frequently-Asked-Questions.aspx">HPI Frequently Asked Questions (FAQ)</a>.&#160; The next HPI report will be released July 25, 2017 and will include monthly data through May 2017.<br></p>6/22/2017 1:00:33 PM1201https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
U.S. House Price Index - April 201723098<p style="font-style&#58;normal;">U.S. house prices rose in April&#160;according to the&#160;FHFA seasonally adjusted monthly House Price Index (HPI). &#160;From April&#160;2016 to April&#160;2017, house prices were up&#160;<span style="font-size&#58;inherit;font-family&#58;inherit;font-weight&#58;700 !important;">6.8&#160;percent</span>.&#160;</p><p style="font-style&#58;normal;">For the nine census divisions, seasonally adjusted monthly price changes from March&#160;2017 to April&#160;2017 ranged from -0.1 percent in the East South Central&#160;division to +1.6&#160;percent in the West South Central division.&#160; The 12-month changes were all positive, ranging from +4.7&#160;percent in the West North Central&#160;division to +8.9 percent in the Mountain division.</p><p style="font-style&#58;normal;">Monthly index values and appreciation rate estimates for recent periods are provided in the table and graphs in the attachment.<br></p><p><a href="/Media/PublicAffairs/Pages/FHFA-House-Price-Index-Up-0pt7-Percent-in-April-2017.aspx">Related News Release</a><br></p>6/22/2017 1:00:37 PM1967https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

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