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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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  1. Read the latest FHFA News.

  2. Download the latest HPI data or MIRs data

  3. Provide Comment on Rulemaking action.

  4. Understand how to Do Business with FHFA.

  5. Read our latest Foreclosure Prevention Report, Refinance Report or Annual Report to Congress.

  6. Understand how FHFA conducts its examinations - read our FHFA Examination Manual and learn about our Housing Finance Examiner Commission Program.

 

 

 

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 Related Information

 

 

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 PM589https://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 PM454https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention Report - First Quarter 201723101<h2>First Quarter 2017 Highlights<br></h2><div><br></div><p><strong>The Enterprises' Foreclosure Prevention Actions&#58;</strong><br></p><ul><li>The Enterprises completed 49,104 foreclosure prevention&#160;actions in the first quarter of 2017, bringing the total to&#160;3,882,464 since the start of conservatorships in September 2008.&#160;Of these actions, 3,211,462 have helped troubled homeowners stay in their homes including 2,054,248 permanent loan&#160;modifications.<br></li><li>The share of modifications with principal forbearance increased&#160;to 26 percent. Modifications with extend-term only accounted for&#160;40 percent of all loan modifications in the first quarter due to&#160;improved house prices and expiration of the Home Affordable Modification Program (HAMP).<br></li><li>As of March 31, 2017, approximately 20 percent of loans&#160;modified in the first quarter of 2016 had missed two or more payments, one year after modification.<br></li><li>There were 4,936 completed short sales and deeds-in-lieu&#160;during the quarter, bringing the total to 671,002 since the conservatorships began in September in 2008.<br></li></ul><p><strong>The Enterprises' Mortgage Performance&#58;</strong></p><ul><li>The number of 60+ days delinquent loans declined 10 percent&#160;to 377,622 at the end of the first quarter, the lowest level since 2008.<br></li><li>The Enterprises' serious delinquency rate fell to 1.0 percent at&#160;the end of the first quarter, the lowest level since April of 2008.&#160;This compared with 4.0 percent for Federal Housing&#160;Administration (FHA) loans, 2.1 percent for Veterans Affairs (VA)&#160;loans, and 2.8 percent for all loans (industry average).<br></li></ul><p><strong>The Enterprises' Foreclosures&#58;</strong><br></p><ul><li>Foreclosure starts fell 4 percent to 50,529 while third-party and&#160;foreclosure sales increased 5 percent to 19,195 in the first quarter.<br></li></ul><p><a href="/Media/PublicAffairs/Pages/FHFA-First-Quarter-Foreclosure-Prevention-Report-Foreclosure-Preventions-near-3-9-Million.aspx">Related News Release</a><br></p><p>For an interactive online map that provides state data, click on the following link&#58; <a href="/DataTools/Tools/Pages/Borrower-Assistance-Map.aspx"><em> Fannie Mae and Freddie Mac State&#160;Borrower Assistance Map</em></a><em>&#160;<span aria-hidden="true"></span></em><br></p>6/22/2017 3:00:39 PM90https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Annual Report to Congress - 201622983<table width="100%" class="ms-rteTable-0" cellspacing="0" style="height&#58;154px;"><tbody><tr class="ms-rteTableEvenRow-0"><td class="ms-rteTableEvenCol-0" style="width&#58;10%;"> <a href="/AboutUs/Reports/ReportDocuments/FHFA_2016_Report-to-Congress.pdf"><img src="/AboutUs/Reports/PublishingImages/Report_Gen_Thumbs/2016ARcover.jpg" alt="" style="margin&#58;5px;" /></a> </td><td class="ms-rteTableOddCol-0" style="width&#58;50%;"><p>​The Federal Housing Finance Agency's 2016 <em> <a href="/AboutUs/Reports/ReportDocuments/FHFA_2016_Report-to-Congress.pdf">Report to Congress</a></em> (a statutorily-required report) provides information about FHFA’s 2016 examinations of Fannie Mae, Freddie Mac (the Enterprises), 11 Federal Home Loan Banks (FHLBanks) and the FHLBanks’ Office of Finance.&#160; The report also describes FHFA’s actions as conservator of Fannie Mae and Freddie Mac during the year and it describes the Agency’s regulatory guidance, research and publications.&#160;&#160;&#160;</p><p> <a href="/Media/PublicAffairs/Pages/FHFA-Releases-2016-Report-to-Congress.aspx">Related News Release</a></p></td></tr></tbody></table>6/21/2017 3:28:31 PM400https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
Refinance Report - April 201722989<h2>April 2017 Highlights</h2><p> Total refinance volume fell in April 2017 as mortgage rates in March remained over half a percent higher than the lows observed in 2016. Mortgage rates decreased in April&#58; the average interest rate on a 30‐year fixed rate mortgage fell to 4.05 percent from 4.20 percent in March.</p><p> In April 2017&#58; </p><ul><li> Borrowers completed 3,493 refinances through HARP, bringing total refinances from the inception of the program to 3,464,589. </li><li>HARP volume represented 3 percent of total refinance volume. </li><li>Six percent of the loans refinanced through HARP had a loan-to‐value ratio greater than 125 percent. </li></ul><p> Year to date through April 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>6/15/2017 5:00:49 PM322https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx

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