Public Use Database

Public Use Database – Fannie Mae and Freddie Mac (Enterprises)

Introduction

The Enterprise Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods.

Description

Single-Family: The Enterprise PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage.

Beginning with data for mortgages acquired in 2018, FHFA ordered that the Enterprise PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1). New since the 2018 PUDB are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level. 

Multifamily: The Enterprise PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class files also include information on the number and affordability of the units in the property. 

Both the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. New since the 2018 PUDB is the inclusion of property size data at the census tract level.

History

Prior to 2010, the Enterprise single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 Enterprise PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information.

Current Release Notes

The following changes, first announced in September 2025, were implemented in the 2025 Enterprise PUDB on September 24, 2026;

• The 2025 Enterprise PUDB release contains data only in the CSV (Comma Separated Value) format with a header row.
• The Enterprise PUDB Single-Family National File A has been discontinued.  Users can find exactly the same data except for LTV in the 2025 Enterprise PUDB Single-Family National File B by filtering for owner-occupied 1-unit properties.  LTV is available in the 2025 Enterprise PUDB Census Tract File.
• PUDB data for both Enterprises has been combined into a single file for each type of 2025 Enterprise PUDB file. Users can identify and separate data by each Enterprise using the Enterprise flag in data.

Several additional changes were also implemented in the 2025 Enterprise PUDB:

• Each 2025 Enterprise PUDB file has two new fields.  The first new field specifies the Acquisition Year of the mortgage, and the second new field specifies the corresponding Census Year.
• The “Unit – Owner Occupied” field was removed from the Single-Family National File B because it repeats the information available in the “Occupancy Code” field in the same data file.
• Minor changes were made to the data dictionary to make data value codes consistent across data fields and data files as much as possible.  For example, the value of 9 now signifies data not available in most of the categorical data fields and a blank value signifies data not available in all continuous data fields.

Documentation

Data Dictionary [.pdf] [.xlsx]

Record Counts [.pdf] [.xlsx]

The Enterprise Single-Family Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of single-family mortgages that Fannie Mae and Freddie Mac acquire. It shows characteristics about single-family loans, properties, and units at the national level, and characteristics about single-family loans and properties at the state level. It includes key statistics, time series charts, stacked bar charts, and state maps of single-family housing characteristics such as median loan amount, number of properties, and affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Single-Family PUDB datasets, updated annually since 2008.

• Enterprise Single-Family Public Use Database Dashboard