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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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 Related Information

 

 

FHFA Requests Public Input on Fannie Mae and Freddie Mac's Proposed Duty to Serve Plan Modifications25841<p> <strong>Washington, D.C.</strong> – The Federal Housing Finance Agency (FHFA) has announced that it is requesting public input as part of the Agency's consideration of proposed modifications to Fannie Mae and Freddie Mac's (the Enterprises) 2018-2020 Underserved Markets Plans (Plans) under the Duty to Serve program.&#160; </p><p>The Duty to Serve regulation allows an Enterprise to request to modify its Plan at any time. &#160;However, FHFA must provide a non-objection to a proposed modification for them to become part of an Enterprise's Plan.&#160; FHFA has determined that public input would be helpful in considering four of Fannie Mae's twenty-two proposed modifications that would each make a substantial change to the content of its Plan.&#160; Freddie Mac has submitted one modification that FHFA considers to be a modest correction and, as a result, FHFA is not seeking public input on this proposal.&#160; Enterprise technical edits are not subject to public input or FHFA's Non-Objection.</p><p>FHFA requests public input on the <a href="/PolicyProgramsResearch/Programs/Documents/ModificationsRFI.pdf">proposed modifications</a> to the 2018-2020 Underserved Markets Plan by Nov. 2, 2018 via the dedicated Duty to Serve page on FHFA's website at <a href="/DTS">www.FHFA.gov/DTS</a> or via mail to FHFA Division of Housing Mission and Goals, Seventh Floor, 400 Seventh Street SW, Washington D.C. 20219.</p><p> <strong>About Duty to Serve</strong></p><p>FHFA issued a <a href="/Media/PublicAffairs/Pages/FHFA-Issues-Final-Rule-on-Fannie-Mae-and-Freddie-Mac-Duty-to-Serve-Underserved-Markets.aspx">final rule</a> on Dec. 13, 2016 to implement the Duty to Serve provisions mandated by the Housing and Economic Recovery Act of 2008.&#160; The statute requires the Enterprises to serve three specified underserved markets – manufactured housing, affordable housing preservation, and rural housing – by increasing the liquidity of mortgage investments and improving the distribution of investment capital available for mortgage financing for very low-, low-, and moderate-income families in these markets.&#160; </p><p>The rule requires each Enterprise to adopt a three-year Underserved Markets Plan detailing the specific objectives and activities they plan to implement to fulfill this mandate.&#160; The activities proposed by the Enterprises will continue to be subject to FHFA review and non-objection to ensure compliance with the Enterprises' charter acts, safety and soundness standards, and other conservatorship and regulatory requirements.&#160; These Plans went into effect on Jan. 1, 2018.&#160; </p><p style="margin&#58;0in 0in 0pt;"> <a href="/PolicyProgramsResearch/Programs/Pages/DTSPlanModificationsRFI.aspx"> Submit Input</a> <br> <br> <a href="/PolicyProgramsResearch/Programs/Documents/ModificationsRFI.pdf">View the RFI (PDF)</a><br><br> Learn more at <a href="/DTS">www.FHFA.gov/DTS</a>.</p>10/3/2018 2:00:09 PMWashington, D.C. – The Federal Housing Finance Agency (FHFA) has announced that it is requesting public input as part of the Agency's consideration of proposed modifications to 1383https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
2017 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks25809<p>​<span style="margin&#58;0px;padding&#58;0px;border&#58;0px currentcolor;color&#58;#404040;line-height&#58;inherit;font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;vertical-align&#58;baseline;font-stretch&#58;inherit;background-color&#58;#ffffff;">FHFA is required to monitor and report annually on the Federal Home Loan Banks' support of their low-income housing and community development activities to the Federal Home Loan Banks' Advisory Councils.&#160; This report fulfills that requirement.</span></p>9/28/2018 2:00:28 PMFHFA is required to monitor and report annually on the Federal Home Loan Banks' support of their low-income housing and community development activities to the Federal Home Loan 208https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Index Shows Mortgage Rates Increased in August25805<p><strong>​​Washington, D.C. </strong>- Nationally, interest rates on conventional purchase-money mortgages increased from July to August, according to several indices of new mortgage contracts.<br></p><p><strong>The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders Index </strong>was 4.63 percent for loans closed in late August, up 3 basis points from 4.60 percent in July.</p><p><strong>The average interest rate on all mortgage loans</strong> was 4.63 percent, up 2 basis points from 4.61 in July.</p><p><strong>The average interest rate on conventional, 30-year, fixed-rate mortgages of $453,100 or less</strong> was 4.78 percent, up 1 basis point from 4.77 in July.&#160;<br></p><p><strong>The effective interest rate on all mortgage loans </strong>was 4.71 percent in August, unchanged from 4.71 in July. The effective interest ​rate accounts for the addition of initial fees and charges over the life of the mortgage.<br></p><p><strong>The average loan amount</strong> for all loans was $318,600 in August, down $3,100 from $321,700 in July.</p><p>FHFA will release September index values Thursday, October 25, 2018.<br></p><p>For more information, call David Roderer at (202) 649-3206. To hear recorded index information, call (202)649-3993. To find the complete contract rate series, go to <a href="/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx">www.fhfa.gov/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx</a>.<img src="/Media/PublicAffairs/PublishingImages/Pages/Forms/EditForm/NACM_9272018.PNG" alt="NACM_9272018.PNG" style="font-family&#58;&quot;source sans pro&quot;, sans-serif;font-size&#58;14px;font-weight&#58;400;text-align&#58;center;margin&#58;5px;" /><br></p><p>Source&#58; FHFA<br></p><p>​Technical note&#58; The indices are based on a small monthly survey of mortgage lenders, which may not be representative.&#160; The sample is not a statistical sample but is rather a convenience sample.&#160; Survey respondents were asked to report terms and conditions of all conventional, single-family, fully amortized purchase-money loans closed during the last five working days of the month.&#160; Unless otherwise specified, the indices include 15-year mortgages and adjustable-rate mortgages.&#160; The indices do not include mortgages guaranteed or insured by either the Federal Housing Administration or the U.S. Department of Veterans Affairs.&#160; The indices also exclude refinancing loans and balloon loans.&#160; August 2018 values are based on 4,930 reported loans from 16 lenders, which include savings associations, mortgage companies, commercial banks, and mutual savings banks.<br></p>9/27/2018 12:30:12 PMHome / Media / FHFA Index Shows Mortgage Rates Increased in August News Release 781https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Fannie Mae and Freddie Mac Update Their Private Mortgage Insurer Eligibility Requirements25807<p><strong>Washington, D.C. </strong>– The Federal Housing Finance Agency today announced that Fannie Mae and Freddie Mac (the Enterprises) have published revised Private Mortgage Insurer Eligibility Requirements (PMIERs) for private mortgage insurance companies that insure mortgage loans either owned or guaranteed by the Enterprises.&#160; As Conservator to the Enterprises, FHFA directed the Enterprises to strengthen their risk management requirements for mortgage insurance counterparties.&#160; In April 2015, the Enterprises published financial and operational eligibility requirements that private mortgage insurers must meet to receive approved insurer status with the Enterprises.&#160; Those requirements became effective December 31, 2015.&#160; </p><p>The revised eligibility requirements reflect changes to the financial and operational requirements for the Enterprises' mortgage insurance counterparties.&#160; The revised eligibility requirements become effective on March 31, 2019.</p><p>“Periodic reviews and updates to the PMIERs reduce the Enterprises' risks and protects taxpayers,&quot; said FHFA Director Melvin L. Watt.&#160; “The updated requirements incorporate feedback from the mortgage insurance industry and also fulfill a key Scorecard priority for the Enterprises.&quot;</p><p><a href="http&#58;//www.fanniemae.com/portal/media/statements/2018/statement-schaefer-pmi-requirements-092718-6766.html">Fannie Mae Statement</a></p><p><a href="https&#58;//freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-statement-revised-primary-mortgage-insurer">Freddie Mac Statement</a></p>9/27/2018 8:15:46 PMWashington, D.C. – The Federal Housing Finance Agency today announced that Fannie Mae and Freddie Mac (the Enterprises) have published revised Private Mortgage Insurer Eligibility 2215https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Preventions Near 4.2 Million In FHFA's Second Quarter 2018 Report25676<p><strong>Washington, D.C. </strong>– The Federal Housing Finance Agency (FHFA) today released its second quarter 2018 <em>Foreclosure Prevention Report,</em> which shows that Fannie Mae and Freddie Mac (the Enterprises) completed 70,945 foreclosure prevention actions in the second quarter of 2018, bringing the total number of foreclosure prevention actions to 4,179,581 since September 2008.&#160; The report also shows that 25 percent of loan modifications in the second quarter reduced borrowers' monthly payments by more than 20 percent.&#160; &#160;Additionally, the Enterprises' serious delinquency rate dropped to 0.91 percent at the end of the second quarter.&#160; </p><p>FHFA's report also includes data on the Enterprises' mortgage performance, delinquency data by state, and real estate owned (REO) inventory.&#160; FHFA publishes the report data in an online, interactive <a href="/DataTools/Tools/Pages/Borrower-Assistance-Map.aspx">Borrower Assistance Map</a> on FHFA.gov.&#160; </p><p><a href="/AboutUs/Reports/ReportDocuments/FPR_2Q2018.pdf">Link to Report</a></p>9/26/2018 3:00:47 PMHome / Media / Foreclosure Preventions Near 4.2 Million In FHFA's Second Quarter 2018 Report News Release 406https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx

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