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Duty to Serve Annual Ratings and Reports


Following a public input process, and FHFA's non-objection, the Enterprises' first Underserved Markets Plans covering 2018 to 2020 went into effect on January 1, 2018.  On October 30, 2019 FHFA published the results of its evaluations and ratings of the Enterprises' 2018 performance. 

For 2018, FHFA has determined that each Enterprise complied with its duty to serve requirements in all three underserved markets.  In addition, FHFA finds that each Enterprise performed a satisfactory job of increasing the liquidity and distribution of available capital in each of the three underserved markets.  Due to the difficulty of measuring and rating impact from this single year, FHFA was not able to determine more granular ratings for 2018. 

Highlights of the Enterprises' performance are published in FHFA's 2019 Annual Housing Report to Congress [link to report].  Data on the Enterprises' 2018 Duty-to-Serve-qualifying loan purchases is available on the Data and Tools page.


2018 Enterprise Quarterly and Annual Reports

To enable FHFA's evaluations, each Enterprise submits quarterly and annual reports detailing their actions and progress toward achieving the objectives in their Plans.  FHFA makes these quarterly and annual reports public, omitting any confidential and proprietary information.  These reports contain the Enterprises’ views on their Duty to Serve activities and do not necessarily reflect FHFA’s views.


Fannie Mae

Manufactured Housing

Type ​Description ​Report
Manufactured homes titled as real property
Manufactured homes titled as personal property (chattel)
Manufactured home communities (MHCs) owned by a governmental entity, non-profit organization or residents
Manufactured home communities (MHCs) with certain tenant pad lease protections
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