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    We work closely with every element of the U.S. housing finance sector, seeking out stakeholder viewpoints, sharing details on policies, market data and research, and ensuring that everyone has the information they need to keep the system healthy.


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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. 


I want to:

  1. Read the latest FHFA News.

  2. Download the latest HPI data

  3. Download historical MIRS data. (Discontinued as of 5/29/2019. FHFA designated an adjusted version of Freddie Mac’s 30-yr FRM Primary Mortgage Market Survey (PMMS), called “PMMS+”, as the replacement for the MIRS ARM Index. FHFA will be announcing this index value on the final Thursday of every month.)

  4. Provide Comment on Rulemaking action.

  5. Understand how to Do Business with FHFA.

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

  7. 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 Requests Input on FHLBank System Mission45040<p style="padding-top&#58;8px !important;"> <strong>​​​​​​​​​​​​​​Washington, D.C.</strong> –&#160;Today, the Federal Housing Finance Agency (FHFA) issued a Request for Input (RFI) on the mission of the Federal Home Loan Bank (FHLBank) System as the Agency considers next steps for related rulemakings.</p><p>The RFI provides an opportunity for the public to provide feedback on a core recommendation of FHFA’s <a href="/AboutUs/Reports/ReportDocuments/FHLBank-System-at-100-Report.pdf">Federal Home Loan Bank System at 100&#58; Focusing on the Future</a> report. Recognizing the importance of government-sponsored enterprises serving a clear public purpose, the report recommends clarifying the mission of the FHLBank System and updating how the Agency evaluates the FHLBanks’ achievement of that mission.</p><p>“The mission of the FHLBanks to provide liquidity and support housing and community development should be clearly articulated and reflect their role in the housing finance system,” said Director Sandra L. Thompson. “FHFA welcomes the public’s input on how best to achieve this clarity of purpose for the FHLBank System in future rulemakings.”</p><p>As FHFA considers potential rulemakings to strengthen the connection of the FHLBanks to their public purposes, the Agency is requesting input from the public on three categories of questions&#58;</p><ol class="FHFA-NumList"><li>Updating the regulatory statement of the FHLBank System’s mission to better reflect its appropriate role in the housing finance system;</li><li>Developing metrics and thresholds to evaluate mission achievement; and</li><li style="padding-bottom&#58;0px;margin-bottom&#58;0px;">Identifying how the FHLBanks could incorporate incentives for members with a strong and demonstrable connection to the FHLBank System’s mission.</li></ol>​ <p>FHFA invites interested parties to provide written input, feedback, and information on all aspects of this RFI by July 15, ​2024. Comments may be submitted via FHFA’s website (select “FHLBank Mission” from the menu) or mailed to the Federal Housing Finance Agency, Division of Bank Regulation, 400 7th Street, S.W., Washington, DC 20219.</p> ​<br>5/16/2024 6:00:28 PMHome / Media / FHFA Requests Input on FHLBank System Mission News Release “The mission of the FHLBanks to 1876https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Foreclosure Prevention, Refinance, and Federal Property Manager's Report - February 202444967<h2 style="padding-bottom&#58;10px !important;padding-top&#58;8px !important;">​​​​​​February 2024&#160;Highlights - Foreclosure Prevention<br></h2><p style="padding-top&#58;8px !important;padding-bottom&#58;0px !important;margin-bottom&#58;0px !important;font-weight&#58;600 !important;">​The Enterprises' Foreclosure Prevention Actions&#58;</p><ul class="FHFA-List"><li style="padding-top&#58;4px !important;margin-top&#58;4px !important;">​​The Enterprises completed 17,993 foreclosure prevention actions in February, bringing the total to 6,941,211 since the start of the conservatorships in September 2008. Approximately 39 percent of these actions have been permanent loan modifications.</li><li>There were 5,293 permanent loan modifications in February, bringing the total to 2,692,612 since the conservatorships began in September 2008.</li><li>Approximately 79 percent of loan modifications in February involved extend term only. Modifications with principal forbearance accounted for 20 percent of all loan modifications during the month.</li><li>The number of borrowers who received payment deferrals after completing a forbearance plan decreased slightly from 8,628 in January to 8,584 in February.</li><li>Initiated forbearance plans decreased 7 percent from 7,490 in January to 6,943 in February. The total number of loans in forbearance also decreased from 38,872 at the end of January to 36,837 at the end of February, representing approximately 0.12 percent of the total loans serviced and 7 percent of the total delinquent loans.</li></ul><p style="padding-top&#58;8px !important;padding-bottom&#58;0px !important;margin-bottom&#58;0px !important;font-weight&#58;600 !important;margin-top&#58;0px !important;"> The Enterprises' Mortgage Performance&#58;&#160;</p><div style="padding-top&#58;0px;"><ul class="FHFA-List"><li style="margin-top&#58;4px !important;">The 30-59 days delinquency rate increased to 0.96 percent while the serious delinquency rate decreased to 0.53 percent at the end of February.</li></ul></div><p style="padding-top&#58;8px !important;padding-bottom&#58;0px !important;margin-bottom&#58;0px !important;font-weight&#58;600 !important;"> The Enterprises' Foreclosures&#58;</p><div style="padding-top&#58;0px;"><ul class="FHFA-List"><li style="margin-top&#58;4px !important;">Third-party and foreclosure sales decreased 15 percent to 965 while foreclosure starts declined 13 percent to 5,927 in February.</li></ul></div><h2 style="padding-top&#58;16px !important;padding-bottom&#58;8px !important;">February&#160;2024&#160;Highlights - Refinance Activities</h2><div style="padding-top&#58;0px;"><ul class="FHFA-List"><li>Total refinance volume increased in February 2024 as mortgage rates remained below the elevated levels observed in late 2023. Mortgage rates rose in February&#58; the average interest rate on a 30-year fixed rate mortgage increased to 6.78 percent. </li><li>​The percentage of cash-out refinances continued at 69 percent in February after rising as high as 82 percent over the last two years. Higher mortgage rates have reduced the opportunities for non cash-out borrowers to refinance at lower rates and lower their monthly payments.</li></ul></div>​<br>5/14/2024 6:00:49 PMEqual Employment Opportunity / No FEAR Act Home / About FHFA / Reports / Foreclosure Prevention, Refinance, and Federal Property Manager's Report - February 2024 513https://www.fhfa.gov/AboutUs/Reports/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Announces New Staffing Updates44792<p style="padding-top&#58;8px !important;"><strong>​​Washington, D.C. </strong>— Today, the Federal Housing Finance Agency (FHFA) announced two personnel updates. Luis Campudoni has been named Chief Information Officer, and Mary Peterman has been named Chief Financial Officer.<br></p><p><strong>Luis Campudoni</strong> has over 25 years of experience in information technology. He recently joined FHFA after spending 2 years as the Deputy Chief Information Officer at the Small Business Administration (SBA), where he led, executed, and oversaw the information technology products, services, and operations that supported the SBA's mission. Campudoni has also held senior leadership roles at the Department of Homeland Security, the Metropolitan Washington Council of Governments, the Federal Emergency Management Agency, and Customs and Border Protection. Campudoni holds master of science degrees in project management, organizational leadership, and information technology.<br> <br><strong>Mary Peterman</strong> is a certified public accountant and a certified government financial manager and has over 30 years of financial management experience. She recently joined FHFA after serving as the Controller/Deputy Director of the Division of Finance for the Federal Deposit Insurance Corporation (FDIC). Prior to FDIC, Peterman served in leadership positions for the Administrative Office of the U.S. Courts, the Department of Homeland Security, and various local government organizations. Peterman has also held leadership positions for the Association of Government Accountants, including serving as national president and national treasurer. Peterman holds a master's degree in public administration.<br></p>5/10/2024 4:00:36 PMHome / Media / FHFA Announces New Staffing Updates News Release Luis Campudoni has been named Chief 2192https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
Agencies Issue Proposal on Incentive-Based Compensation43905​<span style="font-style&#58;normal;">​​​​​​</span> <hr style="line-height&#58;16px;font-size&#58;16px;" />​ <h4>​​Joint Release​​<br></h4><div><h4 style="font-style&#58;normal;font-variant&#58;normal;text-align&#58;right;">Federal Deposit Insurance Corporation<br></h4><h4 style="font-style&#58;normal;font-variant&#58;normal;text-align&#58;right;">Federal Housing Finance Agency</h4><h4 style="font-style&#58;normal;font-variant&#58;normal;text-align&#58;right;">National Credit Union Administration</h4><h4 style="font-style&#58;normal;font-variant&#58;normal;text-align&#58;right;">Office of the Comptroller of the Currency<br></h4><hr style="line-height&#58;16px;font-size&#58;16px;" /><p style="font-style&#58;normal;"> <span style="font-size&#58;inherit;font-family&#58;inherit;font-weight&#58;700 !important;"></span></p><p><strong><br></strong></p><p> <strong>Washington, D.C. </strong>— The Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the Federal Housing Finance Agency (FHFA), have adopted a Notice of Proposed Rulemaking (NPR) to address incentive-based compensation arrangements, as required under section 956 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (section 956). The National Credit Union Administration (NCUA) is expected to take action on the NPR in the near future. The U.S. Securities and Exchange Commission (SEC) has included a rulemaking to implement section 956 on its rulemaking agenda. This NPR is intended to advance stakeholder engagement needed to develop a final incentive-based compensation rule.&#160;&#160;<br></p><p>The NPR re-proposes the regulatory text previously proposed in June 2016, and seeks public comment in the preamble on certain alternatives and questions.<br></p><p>Section 956 requires the appropriate Federal regulators—the FDIC, the Board of Governors of the Federal Reserve System (FRB), the OCC, the NCUA, the FHFA, and the SEC—to jointly prescribe regulations or guidelines with respect to incentive-based compensation practices at certain financial institutions that have $1 billion or more in assets. Once the NPR is adopted by all six agencies, it will be published in the Federal Register with a comment period of 60 days following publication. Until then, each agency acting on the NPR will make it available on their respective website, and will accept comments.<br></p><p>The proposed rule includes prohibitions intended to make incentive-based compensation arrangements more sensitive to risk, such as a prohibition on incentive-based compensation arrangements that do not include risk adjustment of awards, deferral of payments, and forfeiture and clawback provisions. The prohibitions also emphasize the important role of sound governance and risk management control mechanisms. These prohibitions would help safeguard covered institutions from the types and features of incentive-based compensation arrangements that encourage inappropriate risks. The recordkeeping and disclosure requirements in the proposed regulatory text would assist the appropriate Federal regulator in monitoring and identifying areas of potential concern at covered institutions.<br></p><p>Comments received on this NPR and those previously submitted on the 2016 NPR will further inform efforts to address incentive-based compensation arrangements, as required under section 956.<br></p><p> <em></em><br></p><p> <a href="/SupervisionRegulation/Rules/Pages/Incentive-Based-Compensation-Arrangements-2024.aspx"> <strong class="ms-rteThemeFontFace-1" style="font-size&#58;13px;">Notice of Proposed Rulemaking on Incentive-Based Compensation (2024)​</strong></a>​<br></p><p> <strong class="ms-rteThemeFontFace-1 ms-rteFontSize-3"></strong></p><p style="border&#58;0px;font-stretch&#58;inherit;line-height&#58;22px;font-feature-settings&#58;inherit;vertical-align&#58;baseline;padding&#58;0px;color&#58;#000000;text-align&#58;center;background-color&#58;#ffffff;"></p> ​<br> </div>5/6/2024 4:45:37 PMHome / Media / Agencies Issue Proposal on Incentive-Based Compensation News Release 749https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx
FHFA Issues Report on Enterprise Single-Family Guarantee Fees in 202240741<p style="padding-top&#58;8px !important;"> <strong>​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Washington, D.C.</strong> –&#160;The Federal Housing Finance Agency (FHFA) today issued its annual report on single-family guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). Guarantee fees are intended to cover the expected credit losses, administrative costs, and cost of capital that the Enterprises incur when they acquire single-family loans from lenders. The report analyzes loans acquired by the Enterprises in 2022 by product type, risk class, and lender delivery volume, including a comparison to similar data from loans acquired in 2021.</p><p>Significant findings in the report indicate&#58;</p> <ul class="FHFA-List"> <li>For all loan products combined, the average single-family guarantee fee increased by 4 basis points to 61 basis points in 2022. The upfront portion of the guarantee fee, which is based on credit risk attributes (e.g., loan purpose, loan-to-value ratio, credit score), increased by 3 basis points to 17 basis points, on average, in 2022. The increase in upfront fees was driven by a shift from a predominantly refinance market to a predominantly purchase market.</li><li>​The average guarantee fee in 2022 on 30-year fixed-rate loans rose by 3 basis points to 63 basis points, while the average guarantee fee on 15-year fixed-rate loans was unchanged at 42 basis points.</li></ul><p>The Housing and Economic Recovery Act of 2008 requires FHFA to submit a report to Congress annually on the guarantee fees charged by the Enterprises.</p>5/2/2024 6:00:39 PMHome / Media / FHFA Issues Report on Enterprise Single-Family Guarantee Fees in 2022 News Release 1280https://www.fhfa.gov/Media/PublicAffairs/Pages/Forms/AllItems.aspxhtmlFalseaspx

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