diff --git a/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.md b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.md new file mode 100644 index 0000000000000000000000000000000000000000..adc2e47f8835414d89cce346901cb123787e42d7 --- /dev/null +++ b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.md @@ -0,0 +1,215 @@ +--- +source_url: "https://www.fhfa.gov/reports/fhfa-ai-compliance-plan" +date_accessed: "2026-01-27T17:47:55.307Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + + An official website of the United States government + + Here's how you know + + Here's how you know + + ![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + + ![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA AI Compliance Plan + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - FHFA AI Compliance Plan + + + + The FHFA AI Compliance Plan outlines how FHFA will comply and achieve consistency with OMB Memorandum M-24-10 to ensure the responsible and ethical use of AI within the Agency while advancing and remaining in alignment with our mission to ensure that Fannie Mae and Freddie Mac (the “Enterprises”) and the FHLBanks (together, "the regulated entities") fulfill their own missions by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. It contains the information required to satisfy Section 3(a)(iii) of OMB Memorandum M-24-10 and Section 104(c) of the AI in Government Act. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13486&order=field_release_date&sort=asc) Report Attachment September 30, 2025 [FHFA 2025 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2025) [Read Report](/document/FHFA-2025-AI-Compliance-Plan.pdf) September 24, 2024 [FHFA 2024 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2024) [Read Report](/document/fhfa-2024-ai-compliance-plan) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/13486","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/fhfa-ai-compliance-plan":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA Conforming Loan Limit Values + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - FHFA Conforming Loan Limit Values + + + + Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans. + +The national conforming loan limit value for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limit values 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands. Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). The 2026 conforming loan limit values have been set under the HERA formula. + +See the latest FHFA Conforming Loan Limit values news release [here](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026). + +## 2026 FHFA Conforming Loan Limit Values + +--- + +Conforming Loan Limit Values for Calendar Year 2026 -- All Counties + +[[XLSX]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.xlsx), [[CSV]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.csv), [[PDF]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.pdf), [[MAP]](/data/dashboard/conforming-loan-limit-values-map), [[ADDENDUM]](/document/fhfa-cll-addendum-cy2026.pdf), [[FAQs]](/document/fhfa-cll-faqs-2026.pdf) + +## Previously Announced Loan Limit Values + +--- + + + +Description Format Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2025 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2025_hera-based_final_flat.xlsx), [[CSV]](/document/data/fullcountyloanlimitlist2025_hera-based_final_flat.csv) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2024 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2024_hera-based_final_flat.xlsx), [[CSV]](/document/fullcountyloanlimitlist2024_hera-based_final_flat.csv) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2023 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/sites/default/files/2024-07/FullCountyLoanLimitList2023_HERA-BASED_FINAL_FLAT%20%281%29.xlsx) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2022 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2022_hera-based_final_flat.xlsx) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2021 and (b) Originated after 9/30/2011 or Prior to 7/1/2007​ [[XLSX]](/media/28996) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2020 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]​](/media/28666) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2019 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/28291) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2018 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27911) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2017 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27536) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2016 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27196) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2015 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 ​[[XLSX]](/media/26936) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2014 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 ​[[XLS]](/media/26571) ​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2013 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26576) ​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2012 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26841) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2011 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26836) Maximum Loan Limits for Loans Originated between 10/1/2010 and 9/30/2011 +(Same as Limits for 1/1/10-9/30/10 Originations) [[XLS]](/media/26821) Maximum Loan Limits for 2010-Originated Mortgages +(Same as Limits for 2009 Originations in all Areas; Set under PL111-88) [[XLS]](/media/26831) ​Maximum Loan Limits for Mortgages Originated in 2009 +(American Recovery and Reinvestment Act-Limits) [[XLS]](/document/fullcountyloanlimitlist2009_arra.xls) Maximum Loan Limits for Mortgages Originated between July 1, 2007 and December 31, 2008 (Economic Stimulus Act of 2008 Limits) [[PDF]](/sites/default/files/2023-10/AREA_LIST_5_2008.pdf) ## Related Links + +--- + +[FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026) (11/25/2025) +[FHFA Announces Conforming Loan Limit Values for 2025](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2025) (11/26/2024) +[FHFA Announces Maximum Conforming Loan Limits for 2024](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2024) (11/28/2023) +[FHFA Announces Maximum Conforming Loan Limits for 2023](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2023) (11/29/2022) +[FHFA Announces Maximum Conforming Loan Limits for 2022](/news/news-release/fhfa-announces-conforming-loan-limits-for-2022) (11/30/2021) +[FHFA Announces Maximum Conforming Loan Limits for 2021](/news/news-release/fhfa-announces-conforming-loan-limits-for-2021) (11/24/2020) +[FHFA Announces Maximum Conforming Loan Limits for 2020](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2020) (11/26/2019) +[FHFA Announces Maximum Conforming Loan Limits for 2019](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2019) (11/27/2018) +[FHFA Announces Maximum Conforming Loan Limits for 2018](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2018) (11/28/2017) +[FHFA Announces Increase in Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac in 2017](/news/news-release/fhfa-announces-increase-in-maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-in-2017) (11/23/2016) +[2016 Maximum Conforming Loan Limits Established for Fannie Mae and Freddie Mac](/news/news-release/2016-maximum-conforming-loan-limits-established-for-fannie-mae-and-freddie-mac) (11/25/2015) +[FHFA Announces 2015 Conforming Loan Limits: Unchanged in Most of the U.S.](/news/news-release/fhfa-announces-2015-conforming-loan-limits-unchanged-in-most-of-the-u.s.) (11/24/2014) +[FHFA Seeks Public Input on Proposed Gradual Decrease of Future Fannie Mae and Freddie Mac Loan Purchase Limits](/news/news-release/fhfa-seeks-public-input-on-proposed-gradual-decrease-of-future-fannie-mae-and-freddie-mac-loan) (12/16/2013) +[FHFA Announces Fannie Mae and Freddie Mac Conforming Loan Limits for 2014](/news/news-release/fhfa-announces-fannie-mae-and-freddie-mac-conforming-loan-limits-for-2014) (11/16/2013) +[Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged in 2013](/news/news-release/maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-in-2013) (11/29/2012) +[Maximum Conforming Loan Limits to Remain Unchanged in All Counties But One in 2012](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-all-counties-but-one-in-2012) (11/22/2011) +[Maximum Conforming Loan Limits to Remain Unchanged in the First Nine Months of 2011](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-the-first-nine-months-of-2011) (11/19/2010) +[Maximum Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged for 2010](/news/news-release/maximum-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-for-2010) (11/12/2009) +[2009 Conforming Loan Limits Increased by American Recovery and Reinvestment Act](/news/news-release/2009-conforming-loan-limits-increased-by-american-recovery-and-reinvestment-act) (2/23/2009) +[2009 Conforming Loan Limits Raised In Two Counties](/news/news-release/2009-conforming-loan-limits-raised-in-two-counties) (12/23/2008) +[Conforming Loan Limit for U.S. to Remain $417,000 In 2009](/news/news-release/conforming-loan-limit-for-u.s.-to-remain-417000-in-2009) (11/7/2008) +[2009 Conforming Loan Limits to Be Announced by November 7](/news/news-release/2009-conforming-loan-limits-to-be-announced-by-november-7-implementation-plan-established) (10/17/2008) +[Notice of Final Examination Guidance: Conforming Loan Limit Calculations](/regulation/federal-register/notice/none-1) (3/31/2008) +[Statement on the Conforming Loan Limit for 2008 and Revised Draft Examination Guidance and Comments on Conforming Loan Limits](/regulation/federal-register/notice/none-9) (10/22/2007) +[Guidance on Conforming Loan Limit (Revised Proposed)](/regulation/federal-register/notice/none-7) +[Guidance on Conforming Loan Limit (Proposed)](/sites/default/files/2023-10/confloanlimguidance62007.pdf) (6/2007) +[Comments on Proposed Guidance on Conforming Loan Limits Calculations (Notice 2007-N-15)](/regulation/federal-register/public-input-notice/2007-n-15)(6/20/2007) +[Media Release on Conforming Loan Limit for 2008](/document/2008confll112707.pdf)(11/27/2007) +[Temporary Jumbo Conforming Loan Limits for 2008](/document/area_list_5_2008.pdf) +[History of Conforming Loan Limits (Table 26 of 2007 Report to Congress)](/sites/default/files/2023-03/loanlimitshistory07.pdf) +[Media Release on Conforming Loan Limit for 2007](/document/ofheoreleaseoncllfor2007.pdf)(11/28/2006) + + + +For questions, please contact [LoanLimitQuestions@fhfa.gov](mailto:LoanLimitQuestions@fhfa.gov). + + + + + +​​​​​*Page last updated: November 25, 2025* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA Data + + FHFA is committed to increasing transparency in the housing finance markets. We actively promote the dissemination of data and information that will improve the public’s understanding of housing finance markets and thereby the efficiency of the market. FHFA publishes an Indicator of single-family house price trends at various geographic levels called the House Price Index (HPI) and a variety of other housing finance-related data sets, reports, and tools. + +Consistent with the Open Government Data Act and other federal requirements, FHFA also publishes certain data governance documents and similar resources for public awareness. + +FHFA’s Open Data point of contact is the Agency’s Chief Data Officer, Shawn Bucholtz. You may contact FHFA regarding [Data and Research](/contact/data-and-research) or with [general questions or feedback](/contact/general). + +## [Downloadable Data](/data/datasets) + +Downloadable data sets include: Conforming Loan Limits, Duty to Serve, Enterprise Housing Goals, Fair Lending, Federal Home Loan Bank (FHLBank) Member, FHLBank Stress Tests for Market and Credit Risk, FHFA House Price Index (FHFA HPI®), FHFA Uniform Appraisal Dataset Aggregate Statistics, Market Data, MIRS Transition Index, National Mortgage Database Aggregate Data (National Mortgage Database (NMDB®)), National Survey of Mortgage Originations, Public Use Databases, and Underserved Areas Data + +## [Reports](/reports) + +Economists, policy analysts, and others within FHFA engage in a wide array of research activities. We make reports that focus on mortgage markets trends and a variety of market health indicators available to the public. + +## [FHFA Stats Blog](/blog?blog_category[13281]=13281) + +The Stats Blog highlights how FHFA uses data to monitor the health of the nation’s housing markets. Each blog post focuses on a single aspect of the housing market, offering critical insights on data availability, usage, and limitations. + +## [Dashboards](/data/dashboard) + +The FHFA Tools page contains interactive maps for House Price Index®, Duty to Serve, Borrower Assistance, UAD Aggregate Statistics, and Conforming Loan Limit. + +## [Data Governance Resources](/data/data-governance-resources) + +These resources include the Agency-level data governance body charter, Information Resources Management (IRM) Strategic Plan, and Open Data Plan. + + + + + +*Page last u​pdated: August 18, 2025​​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/33916","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Share sensitive information only on official, secure websites. + + + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA Data + + FHFA is committed to increasing transparency in the housing finance markets. We actively promote the dissemination of data and information that will improve the public’s understanding of housing finance markets and thereby the efficiency of the market. FHFA publishes an Indicator of single-family house price trends at various geographic levels called the House Price Index (HPI) and a variety of other housing finance-related data sets, reports, and tools. + +Consistent with the Open Government Data Act and other federal requirements, FHFA also publishes certain data governance documents and similar resources for public awareness. + +FHFA’s Open Data point of contact is the Agency’s Chief Data Officer, Shawn Bucholtz. You may contact FHFA regarding [Data and Research](/contact/data-and-research) or with [general questions or feedback](/contact/general). + +## [Downloadable Data](/data/datasets) + +Downloadable data sets include: Conforming Loan Limits, Duty to Serve, Enterprise Housing Goals, Fair Lending, Federal Home Loan Bank (FHLBank) Member, FHLBank Stress Tests for Market and Credit Risk, FHFA House Price Index (FHFA HPI®), FHFA Uniform Appraisal Dataset Aggregate Statistics, Market Data, MIRS Transition Index, National Mortgage Database Aggregate Data (National Mortgage Database (NMDB®)), National Survey of Mortgage Originations, Public Use Databases, and Underserved Areas Data + +## [Reports](/reports) + +Economists, policy analysts, and others within FHFA engage in a wide array of research activities. We make reports that focus on mortgage markets trends and a variety of market health indicators available to the public. + +## [FHFA Stats Blog](/blog?blog_category[13281]=13281) + +The Stats Blog highlights how FHFA uses data to monitor the health of the nation’s housing markets. Each blog post focuses on a single aspect of the housing market, offering critical insights on data availability, usage, and limitations. + +## [Dashboards](/data/dashboard) + +The FHFA Tools page contains interactive maps for House Price Index®, Duty to Serve, Borrower Assistance, UAD Aggregate Statistics, and Conforming Loan Limit. + +## [Data Governance Resources](/data/data-governance-resources) + +These resources include the Agency-level data governance body charter, Information Resources Management (IRM) Strategic Plan, and Open Data Plan. + + + + + +*Page last u​pdated: August 18, 2025​​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/33916","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![3D line graph](/sites/default/files/styles/desktop_hero/public/2025-03/hpi-hero-banner.jpg.webp?itok=Yp5mN6Bh) + + # FHFA House Price Index® + + The FHFA HPI® is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - FHFA House Price Index® + + + + document.addEventListener("DOMContentLoaded", function () { const titleElement = document.querySelector('h1[data-component-id="fhfa:page-title"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '®'); } }); The FHFA House Price Index® (FHFA HPI®) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. The FHFA HPI® incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data. + +## What does the FHFA HPI® represent? + +--- + +The FHFA HPI® is a broad measure of the movement of single-family house prices. The FHFA HPI® is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. This information is obtained by reviewing repeat mortgage transactions on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac since January 1975. + +The FHFA HPI® serves as a timely, accurate indicator of house price trends at various geographic levels. Because of the breadth of the sample, it provides more information than is available in other house price indexes. It also provides housing economists with an improved analytical tool that is useful for estimating changes in the rates of mortgage defaults, prepayments and housing affordability in specific geographic areas. + +- [Other historical news releases and reports](/reports/house-price-index) +- [FHFA House Price Index® FAQs](/faqs/hpi) +- [Methodology: HPI Technical Paper](/research/papers/house-price-indexes-hpi-technical-description) +- [FHFA House Price Index® Focus Pieces](/data/hpi/focus-pieces) +## [Datasets](/data/hpi/datasets) + +--- + +[Monthly Purchase-Only Indexes](/data/hpi/datasets?tab=monthly-data) +The standard indexes reported in monthly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[Quarterly Purchase-Only Indexes](/data/hpi/datasets?tab=quarterly-data#qpo) +The standard indexes reported in quarterly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[Quarterly All-Transactions Indexes](/data/hpi/datasets?tab=quarterly-data#qat) +Build on the purchase-only index data by adding prices from appraisal data obtained from the Enterprises. + +[Quarterly Expanded-Data indexes](/data/hpi/datasets?tab=quarterly-data#qexe) +Build on the purchase-only data by adding transactions from FHA and county recorder data (with sales prices below the annual loan limit ceiling). + +[Purchase-Only Indexes Volatility Parameters](/data/hpi/datasets?tab=volatility-parameters) +The standard deviation of house price growth (accounting for the time between repeat sales). Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[All-Transactions Indexes Volatility Parameters](/data/hpi/datasets?tab=additional-data) +The standard deviation of house price growth (accounting for the time between repeat sales). Build on the purchase-only volatility data by adding prices from appraisal data obtained from the Enterprises. + +## Tools + +--- + +[HPI Calculator](/data/hpi/datasets?tab=hpi-calculator) + +[FHFA HPI® Top 100 Metro Area Rankings](/data/dashboard/fhfa-hpi-top-100-metro-area-rankings) + +[HPI Four-Quarter Appreciation Map](/data/dashboard/fhfa-hpi-four-quarter-appreciations) + +[HPI Summary Tables](/data/hpi/summary-tables) + +[HPI County](/data/dashboard/fhfa-hpi-county-map) and [HPI ZIP5](/data/dashboard/fhfa-hpi-zip5-map) Maps + +## FHFA HPI® Release Dates + +### 2026 HPI Release Dates + +Date Release Type Last Included Data **Tuesday, February 24** **Quarterly Index (with Monthly Tables)** **December 2025 and 2025Q4** Tuesday, March 31 Monthly Index January 2026 Tuesday, April 28 Monthly Index February 2026 **Tuesday, May 26** **Quarterly Index (with Monthly Tables)** **March 2026 and 2026Q1** Tuesday, June 30 Monthly Index April 2026 Tuesday, July 28 Monthly Index May 2026 **Tuesday, August 25** **Quarterly Index (with Monthly Tables)** **June 2026 and 2026Q2** Tuesday, September 29 Monthly Index July 2026 Tuesday, October 27 Monthly Index August 2026 **Tuesday, November 24** **Quarterly Index (with Monthly Tables)** **September 2026 and 2026Q3** Tuesday, December 29 Monthly Index October 2026 + +For questions, please contact [HPIQuestions@fhfa.gov](mailto:HPIQuestions@fhfa.gov).​​​​ + + - - [Latest FHFA House Price Index® (HPI) report](/document/MonthlyHPI_January2026.pdf) +- ​[Release dates for upcoming reports](/data/hpi#ReleaseDates) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14316","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA House Price Index® + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - FHFA House Price Index® + + + + document.addEventListener("DOMContentLoaded", function () { const titleElement = document.querySelector('h1[data-component-id="fhfa:page-title"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '®'); } }); The FHFA House Price Index® (FHFA HPI®) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. The FHFA HPI® incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/301&order=field_release_date&sort=asc) Report Attachment January 27, 2026 [U.S. House Price Index - January 2026](/reports/house-price-index/2026/1) [Read Report](/document/MonthlyHPI_January2026.pdf) December 30, 2025 [U.S. House Price Index - December 2025](/reports/house-price-index/2025/12) [Read Report](/document/MonthlyHPI_December2025.pdf) November 25, 2025 [U.S. House Price Index Report - 2025 Q3](/reports/house-price-index/2025/Q3) [Read Report](/document/fhfa-house-price-index-report-2025q3) October 28, 2025 [U.S. House Price Index - October 2025](/reports/house-price-index/2025/10) [Read Report](/document/FHFA-HPI-Monthly_10282025.pdf) September 30, 2025 [U.S. House Price Index - September 2025](/reports/house-price-index/2025/9) [Read Report](/document/FHFA-HPI-Monthly_09302025.pdf) August 26, 2025 [U.S. House Price Index Report - 2025 Q2](/reports/house-price-index/2025/2) [Read Report](/document/fhfa-house-price-index-report-2025q2) July 29, 2025 [U.S. House Price Index - July 2025](/reports/house-price-index/2025/7) [Read Report](/document/FHFA-HPI-Monthly_0729025.pdf) June 24, 2025 [U.S. House Price Index - June 2025](/reports/house-price-index/2025/6) [Read Report](/document/FHFA-HPI-Monthly_06242025.pdf) May 27, 2025 [U.S. House Price Index Report - 2025 Q1](/reports/house-price-index/2025/Q1) [Read Report](/document/fhfa-house-price-index-report-2025q1) April 29, 2025 [U.S. House Price Index - April 2025](/reports/house-price-index/2025/4) [Read Report](/document/fhfa-hpir-monthly-april-2025) March 25, 2025 [U.S. House Price Index - March 2025](/reports/house-price-index/2025/3) [Read Report](/document/fhfa-hpir-monthly-march-2025) February 25, 2025 [U.S. House Price Index Report - 2024Q4](/reports/house-price-index/2024/Q4) [Read Report](/document/FHFA-HPI-Quarterly_02252025.pdf) December 31, 2024 [U.S. House Price Index - December 2024](/reports/house-price-index/2024/12) [Read Report](/document/data/hpi/2024/12) November 26, 2024 [U.S. House Price Index Report - 2024Q3](/reports/house-price-index/2024/Q3) [Read Report](/document/fhfa-house-price-index-report-2024q3) October 29, 2024 [U.S. House Price Index - October 2024](/reports/house-price-index/2024/10) [Read Report](/document/fhfa-hpi-monthly-october-2024) September 24, 2024 [U.S. House Price Index - September 2024](/reports/house-price-index/2024/9) [Read Report](/document/fhfa-hpi-monthly-september-2024) August 27, 2024 [U.S. House Price Index Report - 2024Q2](/reports/house-price-index/2024/Q2) [Read Report](/document/fhfa-house-price-index-report-2024q2) July 30, 2024 [U.S. House Price Index - July 2024](/reports/house-price-index/2024/7) [Read Report](/document/fhfa-hpi-monthly-july-2024) June 25, 2024 [U.S. House Price Index - June 2024](/reports/house-price-index/2024/6) [Read Report](/document/fhfa-hpi-monthly-june-2024) May 28, 2024 [U.S. House Price Index Report - 2024Q1](/reports/house-price-index/2024/Q1) [Read Report](/document/fhfa-house-price-index-report-2024q1) April 30, 2024 [U.S. House Price Index - April 2024](/reports/house-price-index/2024/4) [Read Report](/document/fhfa-hpi-monthly-april-2024) March 26, 2024 [U.S. House Price Index - March 2024](/reports/house-price-index/2024/3) [Read Report](/document/fhfa-hpi-monthly-march-2024) February 27, 2024 [U.S. House Price Index Report - 2023Q4](/reports/house-price-index/2023/Q4) [Read Report](/media/52386) January 30, 2024 [U.S. House Price Index - January 2024](/reports/house-price-index/2024/1) [Read Report](/document/fhfa-hpi-monthly-january-2024) December 26, 2023 [U.S. House Price Index - December 2023](/reports/house-price-index/2023/12) [Read Report](/media/50876) + + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHFA Policies + + ## Breadcrumb + + - [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - FHFA Policies + + + + Policy Description [Accessibility](/about/fhfa-policies/accessibility) ​The majority of pages on this website are accessible to individuals with disabilities in accordance with Section 508 of the Rehabilitation Act. [Digital Strategy](/about/fhfa-policies/digital-strategy) The Federal government ​launched a comprehensive Digital Government Strategy to encourage agencies to identify ways to use innovative technologies to... [Equal Employment Opportunity / No FEAR Act](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) FHFA prohibits discrimination in all aspects of its personnel policies, program practices and operations. [Ex Parte Communications in Connection with FHFA Rulemakings](/about/fhfa-policies/ex-parte-communications-connection-fhfa-rulemakings) Communications in Connection with FHFA Rulemakings FHFA prohibits discrimination in all aspects of its personnel policies, program practices... [​Inventory, Priorities, & Schedule](/about/fhfa-policies/inventory-priorities-schedule) FHFA is required under OMB Circular A-130 and the Paperwork Reduction Act to disseminate information to the public in a timely, equitable, efficient... [​Open Government](/about/fhfa-policies/open-government) FHFA complies with all instructions in President’s Open Government memorandum in January 2009 to ensure the public has access to important information about... [​Plain Writing](/about/fhfa-policies/plain-writing) [​](/vulnerability-disclosure-policy)FHFA is committed to writing new documents in plain language using the Federal Plain Language Guidelines requiring federal agencies to write "clear... [​Prohibited Personnel Practices](/about/fhfa-policies/prohibited-personnel-practices) ​FHFA is required to provide these informational materials by the Office of Special Counsel to notify employees of Prohibited Personnel Practices ​(PPP), which... [​Reasonable Accommodation](/about/careers/reasonable-accommodation) FHFA provides reasonable accommodations to qualified employees and job applicants with disabilities where appropriate. Employees and job... [Records & Information Management](/about/fhfa-policies/records-and-information-management) FHFA believes in public trust through records integrity, and takes steps to adequately and properly document the organization, functions, policies... [Terms of Use](/about/fhfa-policies/website-privacy-policy) + +[​Website & Social Media Policies](/about/fhfa-policies/website-privacy-policy) Our privacy policy is clear: we will collect no personal information about you when you visit our website unless you voluntarily choose to provide that information to... [​Vulnerability Disclosure Policy](/about/fhfa-policies/vulnerability-disclosure) The Federal Housing Finance Agency is committed to ensuring the security of the American public by protecting their information. This policy is intended... ​[Whistleblower Protections](/about/fhfa-policies/whistleblower-protections) The Whistleblower Protection Act (WPA) prohibits taking or not taking a personnel action (or threatening either) with respect to any employee or applicant... ​[API Terms of Service](/about/fhfa-policies/api-terms-of-service) FHFA may offer some of its public data in machine readable format via an Application Programming Interface (“API”). 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - [FHFA Policies](/about/fhfa-policies) + - FHFA Website Privacy Policy + + + + # FHFA Website Privacy Policy + + Thank you for visiting the Federal Housing Finance Agency's (FHFA) website and reviewing our Privacy Policy. The privacy of visitors to our website is of the utmost importance to FHFA. To learn more about how we handle personal information you may choose to submit to us, as well as non-personal information that is automatically collected about your visit, please click on the following links. + +- [Our Privacy Policy Is Clear](#OPP) +- [Information Collected and Stored Automatically](#ICSA) +- [Website Measurement and Customization Technologies (e. g. Cookies) Policy](#WMCT) +- [If You Send Us Personal Information](#IYSUPI) +- [E-Mail Policy](#EMP) +- [What are Your Rights under the Privacy Act of 1974?](#WAYR) +- [Principal Purpose and Routine Uses of Information](#PPRUI) +- [Authority for Collecting Information](#ACI) +- [Information from Children](#IFC) +- [Copyright](#copyright) +- [Agency Name and Official Seal Permissions](#ANOSP) +- [Links to other Websites](#Links) +- [Social Media](#Social) +- [Internet Security](#Security) +- [False Statements and Documents](#False) +- [Liability](#Liability) +- [Questions about Privacy](#Questions) + + +## 1. Our Privacy Policy is Clear + +You do not have to provide personal information to use this website. We will not collect any personal information about you when you visit our website unless you voluntarily choose to provide such information to us. We respect your right to privacy and will protect it when you visit our website. + + + +## 2. Information Collected and Stored Automatically + +If, during your visit to FHFA.gov, you only browse through the website, read pages, or download information, we automatically collect and store the following information: + +- The Internet domain *(for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a university's domain),* and IP address *(an IP address is a number that is assigned automatically to your computer whenever you are surfing the Web)*from which you accessed our website; +- The type of browser and operating system you used to access our site; +- The date and time you accessed our site; +- The pages you visited; +- The type of actions you performed, such as information requests, and the searches you performed; +- The number of bytes of information, if any, sent by our server; and +- If you linked to our website from another website, the address of that website. +This information does not identify you personally. We use this information to help make our site more useful to visitors. This data is used in summary form for statistical purposes: (i) to learn about the number of visitors to our site and the types of technology our users use to access our site; (ii) to assess system performance; (iii) to identify problems with agency systems; and (iv) to improve the site for users. In the event of a computer security incident, such data may be further refined to allow computer security specialists to identify Internet service providers and, in certain cases, individuals or entities attacking FHFA. + + + +## 3. Website Measurement and Customization Technologies (e. g. Cookies) Policy**** + +FHFA uses web measurement and customization technologies, commonly known as “cookies,” to collect information about user visits to our site. Use of these technologies makes our website function better for you and allows us to better understand how the public is using the website. Cookies are files placed on your hard drive by a website that allows the website to monitor your use of that site, usually without your express knowledge. Some cookies collect personal information to recognize your computer in the future. We **do not** use these types of cookies on our website. Instead, we use non-persistent cookies or “per-session cookies,” which are also known as “Tier 1 web measurement and customization technologies.” These types of “cookies” do not collect personal information on users and they are not stored on your computer's hard drive. These types of “cookies” are stored only in your computer's memory during an active browser session. They are deleted or erased as soon as you close your browser after visiting our website. + +FHFA uses a third-party analytics provider (currently Google Analytics) to analyze the data collected through the non-persistent cookies or per-session cookies. Google Analytics does not receive personally identifiable information through these cookies and does not combine, match, or cross-reference fhfa.gov information with any other information. The data is automatically sent from a cookie on your machine or device to Google Analytics’ system, which immediately aggregates that data. The cookie and any data related to a particular visit to our website are deleted from your computer immediately after you close your browser. FHFA uses the aggregated data for internal purposes and discloses it to FHFA employees and contractors who have a “need-to-know” this information in the performance of their official duties. + +Please refer to the following policies on Google's website for more information: + +- [Google's main privacy policy](http://www.google.com/intl/en/policies/privacy) +- [Cookies on Websites](https://policies.google.com/technologies/cookies?hl=en) +- [Opt out of Google Analytics Cookies](https://tools.google.com/dlpage/gaoptout?hl=en) +You may opt out of having cookies installed on your machine or device by changing the settings of your browser to disable them. For instructions on how to disable cookies from common browsers, please visit: [https://www.usa.gov/optout-instructions](https://www.usa.gov/optout-instructions). + +If you choose to disable cookies you will continue to have access to FHFA’s website, and you will receive comparable information and services. However, your experience may be different than those who enable cookies. + + + +## 4. If You Send Us Personal Information + +We do not collect personal information for any purpose other than to respond to your inquiries or complaints. Any personally identifiable information (such as name, address, phone number, and email address) that you provide is voluntary. + +If you voluntarily choose to provide us with personal information by filling out a form and submitting it to us through our website, we may use the information to: 1) respond to complaints, appeals, inquires, and requests for information; 2) review and post comments on proposed rules/regulations; 3) review feedback received on FHFA proposed or implemented initiatives; and/or 4) compile a list of potential vendors and contractors. Forms available through FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, or the Federal Home Loan Banks. We may share or disclose that information consistent with FHFA's System of Records Notice ([FHFA-22 - Online Forms](https://www.fhfa.gov/regulation/federal-register/privacy-act-system-of-records-notice/2013-n-15)). In some circumstances, including responding to requests from Congress or private individuals, we may be required by law to disclose the information you submit. We do not collect or use your information or create individual profiles for commercial marketing purposes. + +We employ physical, technical, and administrative safeguards to maintain the security, confidentiality, and integrity of the information we collect on our website. To view a listing of our Privacy Impact Assessments for our electronic systems and collections, please visit our privacy page at [https://www.fhfa.gov/about/privacy/privacy-impact-assessment](https://www.fhfa.gov/about/privacy/privacy-impact-assessment). + +While you must provide certain information about yourself (*e.g.*, name, address, and email address) for a personal response to any incoming questions or comments to FHFA, we strongly recommend that you **DO NOT** include other personal information, especially your Social Security Number, mortgage loan numbers and amounts, or other financial account information. + +*For guidance on how to protect your Social Security Number visit the Social Security Administration's*[*website*](https://www.ssa.gov/)*.* + + + +## 5. E-Mail Policy + +You may send us electronic mail (email) that contains your personal information, comment, question, or complaint. If you send us email, we may store your name, email address and other personal information in order to respond to you. With the exception of comments made specifically in response to a Request for Comments issued by FHFA for rulemaking purposes, we do not share your email with any other outside organizations except: (i) as set forth in our SORNs; (ii) for authorized law enforcement investigations; or (iii) with our regulated entities in order to assist in responding to complaints and inquiries. Comments made in response to a Request for Comments related to a rulemaking are public information and are posted on the website in the rulemaking section without change and will include any personal information you provide, such as your name, address, telephone number and email address. + + + +## 6. What are Your Rights under the Privacy Act of 1974? + +Under the [Privacy Act of 1974](http://www.justice.gov/opcl/privstat.htm), federal agencies must not disclose any “record” which is contained in a “system of records” to any person, or to another agency, except at the written request of, or with the prior written consent of, the person to whom the record relates. There are exceptions for certain disclosures within the Government and disclosures required by statute. + +A “record” is any item, collection, or grouping of information about a person that an agency maintains and that contains the person's name, or some other identifying number, symbol, or feature assigned to the person by the agency (*e.g.*, a fingerprint or a photograph). + +A “system of records” means a group of “records” under the control of an agency from which the agency retrieves information by a person’s name or by the identifying number, symbol, or feature that the agency has assigned to the person. Because of this retrieval requirement, not all personal information collected online is covered by the Privacy Act. + +Other major provisions of the Privacy Act require the FHFA to: + +- Publish a system of records notice in the Federal Register explaining the existence, character, and uses of any new or revised system of records ([click here to access FHFA's Systems of Records Notices](https://www.fhfa.gov/about/privacy/systems-of-records-notices)); +- Maintain in its records only information about you that is relevant and necessary to accomplish a purpose of the agency required by law; +- Keep information about you accurate, relevant, timely, and complete to assure fairness in dealing with you; and +- Allow you, upon request, to access, review, and request amendment of your information held in a system of records. + + +## 7. Principal Purpose and Routine Uses of Information + +Our principal purposes in collecting information via forms available on FHFA’s website are to respond to complaints, appeals, inquiries and requests for information; to review and post comments on proposed rules/regulations; to review feedback received on FHFA proposed or implemented initiatives; and/or to compile a list of potential vendors and contractors. The forms available on FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. + +As required by the Privacy Act of 1974, all routine uses are published in FHFA Systems of Records Notices, found on the [FHFA Privacy Office website](https://www.fhfa.gov/privacy). As stated in the routine uses in FHFA Systems of Records Notices (where applicable), FHFA may also use your information to determine whether a person has violated, is violating, or is about to violate the laws or rules that FHFA enforces. FHFA may use the information you provide in legal proceedings. If the information indicates violations of other laws or regulations, we may turn it over to other government agencies, including United States Attorneys and state prosecutors. In order to preserve the integrity of the investigation, we generally do not disclose to you whether we have done so or not. + +FHFA will not agree to limit its use of your information in any way not required by law, unless FHFA or an authorized staff explicitly agrees to do so in writing. + + + +## 8. Authority for Collecting Information + +12 U.S.C. § 4501 *et seq.*authorizes FHFA to request information from you. + + + +## 9. Information from Children + +Sections of FHFA’s Website may offer educational content to children, parents, and teachers. In compliance with the Children's Online Privacy Protection Act (COPPA), FHFA does not require children to reveal any information that could personally identify them. If, however, a child chooses to provide us with personally identifying information, through an email, Web form or other means, that information will only be used to respond to the writer’s question(s) or request(s). The information will not be retained, used for another purpose, or shared with third parties. + + + +## 10. Copyright and Trademark Notice + +Generally, information and materials produced by Federal agencies, including FHFA, are in the public domain and may be copied and distributed without permission. This excludes the FHFA seal, other Federal agency seals, and marks for which there is a federal trademark as denoted by the ® symbol, which are protected by law. + +Some of the information contained on this website is not in the public domain because it may have been trademarked, purchased, licensed, or donated by third parties. This information may be subject to copyright or trademark protection. It is your responsibility to identify such protected information and obtain permission from the copyright or trademark holders before use in anyway. + +If you are the copyright owner of material on this website that you believe has not been properly attributed to you or has been used without your permission, please [contact us](https://www.fhfa.gov/AboutUs/Contact/Pages/General-Questions-and-Comments.aspx) and include a link to the relevant material in your message. + + + +## 11. Agency Name and Official Seal Permissions + +Federal law prohibits the use of any symbol, emblem, seal, insignia or badge of FHFA or any colorable imitation of such words, initials, symbols, emblems, or seals in connection with any advertisement, solicitation, business activity, or product where such use could be interpreted as conveying the impression that such advertisement, solicitation, business activity, or product is in any manner approved, endorsed, sponsored, or authorized by, or associated with FHFA. + +All services that use data developed by FHFA must prominently display the following notice with the application: “This product uses FHFA data but is neither endorsed nor certified by FHFA.” You may use FHFA’s name or logos (*e.g.*, “Source: FHFA®”) to identify the source of the content, subject to this Privacy Policy. + + + +## 12. Links to Other Websites + +This website contains hypertext links to information created and maintained by other organizations. These links to external websites are provided for your convenience. FHFA does not control nor guarantee the accuracy, relevance, timeliness, or completeness of any information on these other links/websites. If you go to other websites through these links, our privacy and security policy will no longer apply and you will be subject to the privacy and security policy of the new websites. If you click a link to a non-government external website, you will be notified by an exit message/pop up message. + + + +## 13. Social Media + +In order to encourage greater public participation, collaboration, and transparency, FHFA currently maintains official accounts on commercial social media sites, including Facebook, YouTube, LinkedIn, and X (formerly known as Twitter). FHFA does not own or operate these sites. These sites are owned, controlled, and operated by non-government third parties. FHFA does not collect, maintain, or disseminate information posted by visitors to these sites. Additionally, FHFA does not endorse or control the comments or opinions provided by visitors to these sites. FHFA may, however, remove posts that do not meet the agency’s guidelines for social media comments. + +Please note that the FHFA Website Privacy Policy does not extend to, apply to, or have authority over the privacy policy of any commercial social media sites you may visit. Therefore, if you choose to interact with FHFA on a commercial third-party site, please review carefully the third-party’s privacy policy. Click on the following to view the privacy policies of [Facebook](https://www.facebook.com/privacy/policy/), [YouTube](https://policies.google.com/privacy?hl=en), [LinkedIn](https://www.linkedin.com/legal/privacy-policy) and [X](https://twitter.com/en/privacy). + + + +## 14. Internet Security + +By using this site, you are agreeing to security monitoring and auditing. For security purposes and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users. + +Unauthorized attempts to upload information and/or change information on any portion of this site are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act of 1996 [(18 U.S.C. § 1030)](http://www.law.cornell.edu/uscode/text/18/1030). + + + +## 15. False Statements and Documents + +If you furnish FHFA with information that you know to be false or misleading, you are subject to prosecution under federal law, specifically [18 U.S.C. § 1001](http://www.law.cornell.edu/uscode/text/18/1001). + +The information you give FHFA may be used against you in any federal, state, local or foreign administrative, civil, or criminal proceeding brought by FHFA or any other agency. You may refuse, in accordance with the rights guaranteed to you by the Fifth Amendment to the Constitution of the United States, to give any information that may tend to incriminate you or subject you to fine, penalty or forfeiture. + + + +## 16. Liability + +FHFA makes no express or implied warranty, nor assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website or posted on the agency's social media pages. FHFA does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights. + + + +## 17. Questions about Privacy + +If you have questions about FHFA’s privacy policy and information practice, email us at [privacy@fhfa.gov](mailto:privacy@fhfa.gov), or contact us at: + +Senior Agency Official for Privacy +Office of General Counsel +Federal Housing Finance Agency +400 7th Street SW +Washington, DC 20219 +(202) 649-3803 + +If you would like more information about FHFA's Privacy Program, please visit our Privacy Program Webpage at [www.fhfa.gov/privacy](/about/privacy). + + + + + +Last Reviewed: August 15, 2025 + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1096","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - FHFA's Housing Finance Examiner Commission Program + + + + Program + + # FHFA's Housing Finance Examiner Commission Program + + FHFA launched the Housing Finance Examiner Commissioning Program in June 2013. + + The main objective of the program is to provide examiners with broad-based knowledge to conduct successful risk-based examinations. + + A Housing Finance Examiner Commission will indicate whether an examiner is qualified to lead the examination of a major risk area at Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The program combines coursework, on-the-job training, and testing to ensure an examiner has the skills and technical knowledge necessary to evaluate the condition and practices of the entities that FHFA supervises. + + To date, more than 50 of FHFA's safety and soundness examiners have been awarded the distinction of Certified Housing Finance Examiner in recognition of their accomplishments since the program started in 2013. + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/871","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - FHLBank System At 100: Focusing On The Future Report + + + + FHLBank System at 100 + + # FHLBank System at 100: Focusing on the Future Report + + Published: 11/07/2023 ​​​The Federal Home Loan Bank System (System) has served as a key component of the nation’s housing finance system since its creation over 90 years ago. The mortgage market, the broader financial system, and the Federal Home Loan Banks (FHLBanks) themselves have undergone significant changes over nine decades. These changes reflect underlying shifts in technology and structured products, land use and development, demographics, legal and regulatory frameworks, and consumer preferences. + + Today, the FHLBanks connect domestic financial institutions—many of which are small, community-focused lenders—to the global capital markets. Those connections make it possible for lenders to provide more consistent and sustained support for housing finance and community development. By many metrics, the FHLBanks have achieved this objective, as the liquidity they provide has facilitated affordable homeownership and rental housing throughout the country. Despite these successes, the evolving nature of the modern mortgage market necessitates an in-depth review of the structure, operations, and oversight of the FHLBanks to ensure they are most effectively advancing their mission. + + The Federal Housing Finance Agency (FHFA), established by Congress in 2008, serves as regulator of the FHLBank System. In August 2022, FHFA launched the *FHLBank System at 100: Focusing on the Future* initiative, the first comprehensive review of the FHLBank System in decades. Throughout this process, FHFA undertook a prospective analysis of changes that may be warranted to ensure the FHLBanks are well positioned to fulfill their mission in the years ahead. The initiative involved significant stakeholder outreach, a historical review of the role of the FHLBanks, and detailed analysis of both the strengths and areas for improvement in the System’s current structure. + + FHFA’s vision for the future is to have an effectively governed System that efficiently provides stable and reliable funding to creditworthy members and delivers innovative products and services to support the housing and community development needs of the communities its members serve, all in a safe and sound manner. + + In this report, FHFA presents the actions that it plans to pursue in service of this vision. This report categorizes these actions under four broad themes. The themes are: + + - Mission of the FHLBank System + - Stable and reliable source of liquidity + - Housing and community development + - FHLBank System operational efficiency, structure, and governance + + Attachment(s): + [FHLBank System at 100: Focusing on the Future Report](/AboutUs/Reports/ReportDocuments/FHLBank-System-at-100-Report.pdf) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27706","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FHLBank Targeted Mission Activities + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - FHLBank Targeted Mission Activities + + + + This report discusses the FHLBanks’ targeted mission activities to support low-income housing and community development. The FHLBanks support a range of these activities through various programs: the statutorily mandated Affordable Housing Program (AHP), the statutorily mandated Community Investment Program (CIP), the voluntary Community Investment Cash Advance Program (CICA), and additional FHLBank voluntary programs. Under these programs, the FHLBanks provide loans (referred to as advances) and grants to their members or housing associates, as applicable, which use these funds to assist very low- and low- or moderate-income households and communities. Additionally, all FHLBanks support low-income housing and community development through voluntary programs that the FHLBanks offer at their discretion. Each year, the FHLBanks adopt Targeted Community Lending Plans (TCLPs), in which they identify and assess significant affordable housing needs in their districts to be addressed through their AHPs and describe how they will address identified credit needs and market opportunities in their districts for targeted community lending. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13411&order=field_release_date&sort=asc) Report Attachment October 15, 2025 [2024 Federal Home Loan Bank Targeted Mission Report](/reports/fhlbank-targeted-mission-activities/2024) [Read Report](/document/2024-FHLB-Targeted-Mission-Report.pdf) October 17, 2024 [2023 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2023) [Read Report](/document/2023-fhlb-targeted-mission-activities-report-final.pdf) November 08, 2023 [2022 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2022) [Read Report](/document/2022-FHLB-Targeted-Mission-Report.pdf) September 27, 2022 [2021 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2021) [Read Report](/document/2021-lihcda-fhlbanks-report) October 12, 2021 [2020 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2020) [Read Report](/document/2020-low-income-housing-and-community-development) September 30, 2020 [2019 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2019) [Read Report](/document/2019-low-income-housing-and-community-development) October 08, 2019 [2018 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2018) [Read Report](/document/2018-low-income-housing-and-community-development) September 28, 2018 [2017 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2017) [Read Report](/document/2017-low-income-housing-and-community-development) October 02, 2017 [2016 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2016) [Read Report](/document/2016-low-income-housing-comm-dev) October 03, 2016 [2015 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2015) [Read Report](/document/2015-low-income-housing-comm-dev) October 20, 2015 [2014 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2014) [Read Report](/document/2014-low-income-housing-and-community-development) October 07, 2014 [2013 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2013) [Read Report](/document/2013-low-income-housing-and-community-development) October 29, 2013 [Low-Income Housing and Community Development Activities - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # FOIA Annual Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - FOIA Annual Report + + + + ​​​​​​The FOIA requires each federal agency to submit an Annual Report to the Attorney General each year. These reports contain detailed statistics on the numbers of requests received and processed by each agency, the time taken to respond, and the outcome of each request, as well as many other vital statistics regarding the administration of the FOIA at federal departments and agencies. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - 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Familiarizing oneself with the provisions, exemptions, and procedures related to FOIA helps individuals navigate the process effectively while respecting privacy boundaries.​ + + ## Freedom of Information Act + + [The Freedom of Information Act (FOIA), 5 U.S.C. § 552](http://www.justice.gov/oip/foia_updates/Vol_XVII_4/page2.htm), was enacted in 1966 and provides that any person has a right, enforceable in court, to obtain access to federal agency records, except to the extent that any portions of such records are protected from public disclosure by one of nine exemptions or by one of three special law enforcement record exclusions. The FOIA thus established a statutory right of public access to Executive Branch information in the federal government. + + For Information on FHFA Headquarters' and FHFA OIG's FOIA programs, including how and where to file a FOIA request for records + click on the link: [Learn More](https://www.fhfaoig.gov/FOIA) + + ## Privacy Act + + The [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. + + For Information on FHFA Headquarters' and FHFA OIG's Privacy Act program, including how and where to file a Privacy Act request for records + click on the link: [Learn More](https://www.fhfaoig.gov/privacy) + + ## Additional Information + + This section provides additional information related to FOIA & Privacy. + + - ## FOIA + + ![person looking at document](/sites/default/files/2023-02/images_0.jpg) + + The FOIA is a federal law that provides a right of access to many federal agency.. + + [Read More](/about/foia-office) + + - ## Privacy + + ![Phone with lock icon next to pencil and glasses](/sites/default/files/2023-05/dan-nelson-ah-HeguOe9k-unsplash.jpg) + + The [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information... + + [Read More](/about/privacy) + + - ## Reading Room + + ![placeholder image](/sites/default/files/2023-02/The%2BBest%2BWays%2BTo%2BSecure%2BPaper%2BDocuments_0.jpg) + + The Freedom of Information Act (FOIA) Reading Room is a searchable archive... + + [Read More](/about/foia-reading-room) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/736","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + + + + Policy + + # Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + + ## Background + +When Fannie Mae and Freddie Mac (the Enterprises) purchase single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80 percent of the value of the underlying property, their charters require them to obtain an acceptable form of credit enhancement for the mortgage. Mortgage insurance is the most commonly used form of credit enhancement. Primary mortgage insurance covers the first losses on mortgage loans that exceed 80 percent loan-to-value (LTV) and reduces potential losses for Fannie Mae and Freddie Mac in the event of foreclosure. + +A direct result of the financial crisis was a steep rise in defaults and foreclosures of single-family mortgages, including those owned or guaranteed by the Enterprises. Mortgage insurers (MIs) and the Enterprises suffered significant losses as a result of these defaults and foreclosures. Because many MIs did not have sufficient capital to withstand the sharp downturn, Fannie Mae and Freddie Mac suffered losses when some MIs failed to fully pay their mortgage insurance claims. + +Historically, each Enterprise had its own set of eligibility requirements for MIs to obtain and maintain the status of "Approved Insurer" eligible to do business with that Enterprise. FHFA, in its role as Conservator of the Enterprises, directed Fannie Mae and Freddie Mac to revise and align their mortgage insurer eligibility requirements to ensure that approved MIs possess the financial and operational capacity to withstand a financial crisis or severe downturn going forward. This is a key Scorecard item for 2015. + +On July 10, 2014 the Federal Housing Finance Agency sought public on draft eligibility requirements for private mortgage insurers that provide mortgage insurance on loans acquired by Fannie Mae or Freddie Mac. The public input period lasted 60 days, and closed on September 8. To view documents related to the draft PMIERs and input received, click here​. + +On April 17, 2015, Fannie Mae and Freddie Mac published revised PMIERs on their websites. + +On June 30, 2015, Fannie Mae and Freddie Mac further revised the PMIERS to include financial requirements for loans with lender-paid mortgage insurance. + +In the 2017 and 2018 Scorecards, FHFA directed the Enterprises to evaluate the existing PMIERS and whether changes or updates were appropriate. The Enterprises completed their analysis of the existing PMIERs and after consulting with the mortgage insurance companies, published revised PMIERs on September 27, 2018. + +FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Update Their Private Mortgage Insurer Eligibility Requirements](/node/8866) (9/27/2018) + +FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Issue Revised Private Mortgage Insurer Eligibility Requirements](/node/7631) (4/17/2015) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/671","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Fannie Mae and Freddie Mac Multifamily Businesses + + + + Policy + + # Fannie Mae and Freddie Mac Multifamily Businesses + + Fannie Mae and Freddie Mac continue to play a significant role in supporting multifamily housing needs, particularly for low-income households. FHFA's goal is to maintain Enterprise support of the multifamily affordable housing market without crowding out private capital. FHFA's focus includes multifamily lending for affordable units across several sectors, including traditional affordable housing such as Low-Income Housing Tax Credit (LIHTC) properties, seniors housing, rural markets, and manufactured housing communities. + +FHFA will require the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. The Enterprises use two models of credit risk transfers: Fannie Mae uses loss-sharing transactions through a delegated underwriting system, which has produced low losses since it was first offered in 1988; and Freddie Mac has a capital markets execution to transfer the bulk of its credit risk. Both approaches align interests between the Enterprises and lenders to manage complex credit decisions and limit losses. The positive results of these models were confirmed by the Enterprises' multifamily portfolio performance through the 2008 financial crisis and by the broad liquidity available to most segments of the market. + +## Related Documents + +[FHFA Revises Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac (September 13, 2019 News Release)](/document/frereport_mf_marketanalysis)[​](/document/frereport_mf_marketanalysis)[FACT SHEET: New Multi](/document/frereport_mf_marketanalysis)[family Caps for Fannie Mae and Freddie Mac (S](/media/31391)[eptember 13, 2019)](/media/14296)​ +[Prepared Remarks of Melvin L. Watt at the Brookings Institution Forum on the Future of Fannie Mae and Freddie Mac​](/node/6816)​ +[2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/node/2756) +[The 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac](/node/2681) +[FHFA Seeks Public Input on Reducing Fannie Mae and Freddie Mac Multifamily Businesses (August 9, 2013 News Release](/node/5341)) +[FHFA Releases Fannie and Freddie Reports on Viability of Their Multifamily Businesses Without Government Guarantees (May 3, 2013 News Release)](/node/5756) +[Fannie Mae: Analysis of the Viability of Fannie Mae’s Multifamily Business Operating without a Government Guarantee - Response to FHFA Scorecard Directive (December 17, 2012)](/media/31391) +[Freddie Mac: Report to the Federal Housing Finance Agency: Housing Finance Reform in the Multifamily Mortgage Market (December 2012)](/media/21851) + +## Public Input + +[Undated Arbor Commercial Mortgage](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf) +[Undated Bridge Capital Partners](/sites/default/files/2023-02/bridge_capital_partnerss.pdf) +[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[CBRE Capital Markets](/sites/default/files/2023-03/cbre.pdf) +[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[H and H Homes](/sites/default/files/2023-02/h_and_h_homes.pdf) +[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Martell & Associates](/sites/default/files/2023-02/martellandassociates.pdf) +[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Sonoma Housing Advisors](/sites/default/files/2023-03/sonoma_housing_advisors.pdf) +[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Washington State Housing Finance Corporation (WSHFC)](/sites/default/files/2023-03/wshfc.pdf) +[8/16/2013 Northmarq Capital](/sites/default/files/2023-03/northmarq_capital.pdf) +[9/1/2013 Louisiana Community Reinvestment Coalition](/sites/default/files/2023-03/louisiana_community_reinvestment_coalition.pdf) +[9/5/2013 PPM Finance](/sites/default/files/documents/PPM_Finance.pdf) +[9/9/2013 BRE Properties](/sites/default/files/2023-04/BRE_Properties.pdf) +[9/9/2013 McDougal Companies](/sites/default/files/2023-03/mcdougal_companies.pdf) +[9/12/2013 Southern Management](/sites/default/files/2023-04/Southern_Management.pdf) +[9/19/2013 CWS Capital Partners](/sites/default/files/2023-04/CWS_Capital_Partners.pdf) +[9/19/2013 Paragus Group](/sites/default/files/2023-03/paragus_group.pdf) +[9/19/2013 Pollock Shores Real Estate Group](/sites/default/files/2023-03/pollack_shore_real_estate_group.pdf) +[9/20/2013 Pinnacle](/sites/default/files/2023-03/pinnacle_letter_9-20-2013.pdf) +[9/24/2013 Gables](/sites/default/files/2023-04/Gables_Letter_to_FHFA_9-24-13.pdf) +[9/25/2013 Highridge Costa Investments](/sites/default/files/2023-03/high_ridge_costa_investors.pdf) +[9/25/2013 Wells Fargo Multifamily Capital (WFMC)](/sites/default/files/2023-03/wells_fargo_multifamily_capital_wfmc.pdf) +[9/27/2013 Federal Home Loan Bank of New York](/sites/default/files/2023-04/Federal_Home_Loan_Bank_of_New_York.pdf) +[9/30/2013 AGPM](/sites/default/files/2023-04/AGPM.pdf) +[9/30/2013 Aukum Management](/sites/default/files/2023-04/Aukum_management.pdf) +[10/8/2013 American Bankers Association et al.](/sites/default/files/2023-03/american_bankers_association_aba_et._al.pdf) +[10/1/2013 hmi Property Solutions](/sites/default/files/2023-04/hmi_Property_Solutions_Inc_.pdf) +[10/1/2013 Waterton Associates](/sites/default/files/2023-03/waterton_assoc_.pdf) +[10/1/2013 Westdale Real Estate Investment & Management](/sites/default/files/2023-03/westdale_real_estate_investment_and_management.pdf) +[10/2/2013 Legacy Partners](/sites/default/files/documents/Legacy_Partners.pdf) +[10/3/2013 The CT Group](/sites/default/files/2023-03/the_ct_group.pdf) +[10/4/2013 American Seniors Housing Association (ASHA)](/sites/default/files/2023-03/american_senior_housing_association_asha.pdf) +[10/4/2013 Amerisphere](/sites/default/files/2023-03/amerisphere.pdf) +[10/4/2013 Brightview Senior Living](/sites/default/files/2023-02/bridge_capital_partnerss.pdf) +[10/4/2013 DUS Peer Group](/sites/default/files/2023-04/DUS_Peer_Group.pdf) +[10/4/2013 GID Investment Advisors](/sites/default/files/2023-02/gid_investment_adviisors.pdf) +[10/4/2013 National Association of Home Builders (NAHB)](/sites/default/files/2023-03/national_association_of_home_builders_nahb.pdf) +[10/7/2013 Berkadia](/sites/default/files/2023-03/berkadia.pdf) +[10/7/2013 Brookdale Senior Living](/sites/default/files/2023-04/Brookdale_Senior_Living.pdf) +[10/7/2013 Capital Senior Living](/sites/default/files/2023-04/Capital_Senior_Living.pdf) +[10/7/2013 Centerline Capital Group](/sites/default/files/documents/Centerline_Capital_Group.pdf) +[10/7/2013 era living](/sites/default/files/2023-03/era_living.pdf) +[10/7/2013 John M. Corcoran and Company](/sites/default/files/2023-03/john_m._cochrane_and_company.pdf) +[10/7/2013 Mercy Housing](/sites/default/files/2023-03/mercy_housing.pdf) +[10/7/2013 Red Capital Group](/sites/default/files/documents/Red_Capital.pdf) +[10/7/2013 Senior Star Living](/sites/default/files/2023-03/senior_star_living.pdf) +[10/8/2013 Center for American Progress et al.](/sites/default/files/2023-04/Center_for_American_Progress_etal.pdf) +[10/8/2013 Citizen's Housing and Planning Association, Inc. (CHAPA)](/sites/default/files/2023-03/citizenshousingandplanningassociationchapa.pdf) +[10/8/2013 Community Investment Corporation (CIC)](/sites/default/files/2023-03/community_investments_corporation.pdf) +[10/8/2013 Community Preservation Corporation (CPC)](/sites/default/files/2023-04/Community_Preservation_Corporation_%28CPC%29.pdf) +[10/8/2013 Enterprise Community Partners](/sites/default/files/2023-04/Enterprise_Community_Partners.pdf) +[10/8/2013 Grandbridge Real Estate Capital](/sites/default/files/2023-03/grandbridge_real_estate_capital.pdf) +[10/8/2013 Greystone](/sites/default/files/2023-03/greystone.pdf) +[10/8/2013 Legend Senior Living](/sites/default/files/2023-03/legend_senior_living.pdf) +[10/8/2013 Milestone Group](/sites/default/files/2023-04/Milestone_Group.pdf) +[10/8/2013 Mortgage Bankers Association](/sites/default/files/2023-03/mortgage_bankers_association_mba.pdf) +[10/8/2013 National Assocation of Affordable Housing Lenders (NAAHL)](/sites/default/files/2023-03/national_association_of_affordable_housing_lenders_naahl_.pdf) +[10/8/2013 National Low Income Housing Coalition (NLIHC)](/sites/default/files/2023-03/national_low_income_housing_coalition_nlihc.pdf) +[10/8/2013 National Council of State Housing Agencies (NCSHA)](/sites/default/files/2023-03/national_council_of_state_housing_agencies_ncsha.pdf) +[10/8/2013 National Housing Conference (NHC)](/sites/default/files/2023-03/national_housing_conference_nhc.pdf) +[10/7/2013 National Multifamily Housing Council/National Apartment Association (NMHC/NAA)](/sites/default/files/2023-03/national_multifamily_housing_council_nmhc_.pdf) +[10/8/2013 New York City Housing Development Corporation (HDC)](/sites/default/files/2023-03/new_york_city_housing_development_corporation_nychcd_0.pdf) +[10/8/2013 Oak Grove Capital](/sites/default/files/documents/Oak_Grove_Capital.pdf) +[10/8/2013 PNC Real Estate](/sites/default/files/2023-03/pnc_real_estate.pdf) +[10/8/2013 Prudential Mortgage Capital Company (PMCC)](/sites/default/files/2023-03/prudential_mortgage_capital_company_pmcc.pdf) +[10/8/2013 Representative Carolyn B. Maloney](/sites/default/files/2023-04/CommentLetterfromCongresswomanCarolynBMaloney.pdf) +[10/8/2013 Senator Charles E. Schumer](/sites/default/files/2023-03/schumermfcomment1082013.pdf) +[10/16/2013 Walker and Dunlop](/sites/default/files/2023-03/walker_and_dunlop.pdf) +[11/1/2013 Representative Ed Perlmutter et al.](/sites/default/files/2023-04/HouseMembersFHFAMultifamilyLetter1112013.pdf) ​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12716","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Federal Home Loan Bank Membership Data + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Federal Home Loan Bank Membership Data + + + + The Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,500 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation. + +## Membership Listings + +The Federal Home Loan Banks (FHLB) members include thrift institutions, commercial banks, credit unions, and insurance companies. A financial institution joins the FHLBank district that serves the state where the institution's home office or principal place of business is located. A financial institution may become a member by meeting certain statutory requirements. + +Description Format FHLBank Membership as of September 30, 2025 [[XLSX]](/document/fhlb_members_q32025.xlsx) ​FHLBank Membership as of June 30, 2025 [[XLSX]](/document/fhlb_members_q22025.xlsx) ​FHLBank Membership as of March 31, 2025 [[XLSX]](/document/fhlb_members_q12025.xlsx) FHLBank Membership as of December 31, 2024 [[XLSX]](/document/fhlb_members_q42024.xlsx) FHLBank Membership as of September 30, 2024 [[XLSX]](/sites/default/files/2024-11/FHLB_Members_Q32024.xlsx) FHLBank Membership as of June 30, 2024 [[XLSX]](/sites/default/files/2024-08/FHLB_Members_Q22024.xlsx) ​​FHLBank Membership as of March 31, 2024 ​​[[XLSX]](/sites/default/files/2024-05/FHLB_Members_Q12024.xlsx)​ FHLBank Membership as of December 31, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q42023_Release.xlsx) FHLBank Membership as of September 30, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q32023_Release.xlsx) ​FHLBank Membership as of June 30, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22023_Release.xlsx) ​FHLBank Membership as of March 31, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12023_Release.xlsx) FHLBank Membership as of December 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42022_Release.xlsx) ​FHLBank Membership as of September 30, 2022 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32022_Release.xlsx) ​​FHLBank Membership as of June 30, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22022_Release.xlsx) ​​FHLBank Membership as of March 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12022_Release.xlsx) FHLBank Membership as of December 31, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42021_Release.xlsx) FHLBank Membership as of September 30, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32021_Release.xlsx) ​FHLBank Membership as of June 30, 2021 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22021_Release.xlsx) FHLBank Membership as of March 31, 2021 [​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12021_Release.xlsx) FHLBank Membership as of December 31, 2020 [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42020_Release.xlsx) FHLBank Membership as of September 30, 2020 ​​​​ [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32020.xlsx) ​FHLBank Membership as of June 30, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22020.xlsx) ​FHLBank Membership as of March 31, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12020.xlsx) ​FHLBank Membership as of December 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q42019_Release.xlsx) FHLBank Membership as of September 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q32019.xlsx) ​FHLBank Membership as of June 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22019_Release.xlsx) FHLBank Membership as of March 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12019.xlsx) ​FHLBank Membership as of December 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_12312018.xlsx) FHLBank Membership as of September 30, 2018 [[XLSX]](/sites/default/files/2023-10/FHLB-Members-09302018.xlsx) FHLBank Membership as of June 30, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22018_Release.xlsx) ​FHLBank Membership as of March 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12018_Release.xlsx) FHLBank Membership as of December 31, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42017_Release.xlsx) ​FHLBank Membership as of September 30, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32017_Release.xlsx) ​FHLBank Membership as of June 30, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22017_Release.xls) ​FHLBank Membership as of March 31, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12017_Release.xls) ​FHLBank Membership as of December 31, 2016 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42016_Release.xlsx) FHLBank Membership as of September 30, 2016 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32016_Release.xls) FHLBank Membership as of June 30, 2016 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22016_Release.xls) ​​FHLBank Membership as of March 31, 2016​​​ [​[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12016_Release.xls) FHLBank Membership as of December 31, 2015 ​​ [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42015_Release.xls) ​FHLBank Membership as of September 30, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32015_Release.xls) ​FHLBank Membership as of June 30, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22015_Release.xls) ​FHLBank Membership as of March 31, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12015_Release.xls) ​FHLBank Membership as of December 31, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42014_Release.xls) FHLBank Membership as of September 30, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32014_Release.xls) FHLBank Membership as of June 30, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22014_Release.xls) FHLBank Membership as of March 31, 2014 ​ [[XLS]](/sites/default/files/2023-10/FHLB_Members_033114.xls) FHLBank Membership as of December 31, 2013 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42013_Release.xls) FHLBank Membership as of September 30, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32013_Release.xls) FHLBank Membership as of June 30, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22013_Release.xls) FHLBank Membership as of March 31, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12013_Release.xls) FHLBank Membership as of December 31, 2012 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42012_Release.xls) FHLBank Membership as of September 30, 2012 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32012_Release.xls) FHLBank Membership as of June 30, 2012 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22012_Release.xls) FHLBank Membership as of March 31, 2012 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12012_Release.xls) FHLBank Membership as of December 31, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42011_Release.xls) FHLBank Membership as of September 30, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32011_Release.xls) FHLBank Membership as of June 30, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22011_Release.xls) FHLBank Membership as of March 31, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12011_Release.xls) FHLBank Membership ​as of December 31, 2010 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42010_Release.xls) FHLBank Membership as of September 30, 2010 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32010_Release.xls) 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Federal Home Loan Bank Stress Tests For Market And Credit Risk + + + + # Federal Home Loan Bank Stress Tests For Market And Credit Risk + + ## In General + +FHFA has developed market and credit risk related macroeconomic scenarios that it provides to the Federal Home Loan Banks (Banks). These scenarios are inputs to financial models that the Banks use to assess the exposure of their entire portfolio to market risk, and the exposure of their mortgage-related assets to credit risk. These exposures are measures of the potential loss in market value under stressful economic conditions. FHFA updates both the market and credit risk macroeconomic scenarios quarterly. + +## Market Risk Macroeconomic Scenarios + +The FHFA market risk scenarios are comprised of instantaneous shocks to current measures of four key interest rates, implied volatility, and option-adjusted spreads. FHFA derives its interest rate shocks from historical interest rate changes observed over successive 6-month intervals, measured from the first day of each month extending back to 1998. FHFA has determined that the breadth of movements in interest rates over this historical period, especially during 2007 - 2011, is sufficient to result in a number of scenarios that constitute stressful economic conditions as applied to each Bank’s portfolio. Bank use of the scenarios for the purpose of measuring market-risk based capital requirements will be considered compliant with FHFA guidance. + +A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing the methodology, and the historically-based market risk scenarios are [available here](/data/fhlb-stress-tests/market-risk-scenarios). + +## Credit Risk Macroeconomic Scenarios for Stress-Testing Mortgage Related Assets + +The FHFA credit risk scenarios for mortgage assets are comprised of 30-year time paths for several interest rates and state-level house price indexes (HPIs). The scenarios are constructed to represent worst-case, yet plausible, paths for house price levels. Since each mortgage loan is collateralized by the property, mortgage holders generally do not suffer a credit loss unless the underlying property has suffered a loss in market value, or price. Consequently, the macroeconomic scenario is made stressful by subjecting the mortgage assets to a downward shock in HPI, accompanied by a drop in interest rates as is likely to occur during an economic recession. Bank use of the scenarios for measuring the credit risk of mortgage assets is compliant with FHFA guidance. + +A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing that methodology, and the historically-based macroeconomic market risk scenarios are [available here](/data/fhlb-stress-tests/cmast). + + + +*Page last updated: July 17, 2023​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16966","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Federal Home Loan Bank System + + FHFA is responsible for ensuring that the Federal Home Loan Banks operate in a financially safe and sound fashion, remain adequately capitalized and able to raise funds in the capital markets, and operate in a manner consistent with their housing finance mission. + +To carry out these statutory duties, FHFA has implemented a program of FHLBank supervision to conduct on-site annual examinations and off-site monitoring of the FHLBanks and the Office of Finance. + +## Examination and Supervision + +FHFA examines each FHLBank and the Office of Finance annually. We have designated a separate examiner-in-charge for each FHLBank and the Office of Finance who serves as the principal point of contact for the management of examination issues at the assigned FHLBank. + +Annual examinations are conducted by an examiner-in-charge and a team of examiners plus financial analysts, economists, and accountants. In addition, our examiners visit the FHLBanks between examinations to follow up on examination findings and discuss emerging issues. + +FHFA examiners collaborate with FHFA analysts, modelers, economists, accountants, and attorneys in carrying out the supervision of the FHLBanks. + +Our off-site monitoring program includes reviews of monthly and quarterly financial reports and information submitted to FHFA, FHLBank board and committee minutes, data on FHLBank investments, and financial statements and reports filed with the Securities and Exchange Commission. + +We also monitor debt issuance activities of the Office of Finance and track financial market trends. We review FHLBank documents, such as the board of directors’ compensation packages for each FHLBank, and analyze responses to a wide array of periodic and ad hoc information and data requests, including an annual survey of FHLBank collateral and collateral management practices, data on collateral securing advances made to individual insurance company members, unsecured credit data, liquidity, and periodic data on the FHLBanks' holdings of private-label MBS. + +Section 20 of the Federal Home Loan Bank Act (12 USC 1440) requires each Federal Home Loan Bank (FHLBank) to be examined at least annually. + +Learn more about FHFA’s [Housing Finance Commission Program](/programs/housing-finance-examiner-commission). + +## A Risk-based Approach + +FHFA examiners carry out a risk-based safety and soundness supervision program that assesses the FHLBanks’ condition and performance, governance, credit risk, market risk, and operational risk. These interdependent assessments provide FHFA with the basis for assigning a composite examination rating. The Division of FHLBank Regulation provides oversight and ensures coordination among all mission-critical examination and monitoring functions. These functions include programs for safety and soundness examinations, Affordable Housing Program (AHP) examinations, examination and supervisory policy and program development, FHLBank analysis, risk modeling, risk monitoring and information management, and risk analysis and research. Each of these programs contributes to a comprehensive assessment of the safety and soundness and the AHP effectiveness of the FHLBanks. + +FHFA examiners use a risk-based approach to supervision. Risk-based supervision is designed to + +- identify existing and potential risks that could adversely affect a regulated entity, +- evaluate the overall integrity and effectiveness of each regulated entity’s risk management systems and controls, and +- determine compliance with laws and regulations applicable to the regulated entity. +## Communicating and Obtaining Results + +Examiners communicate all findings to management and any matters requiring attention to the FHLBank’s board of directors and management. In addition, examiners obtain a commitment from the board and management to correct significant deficiencies in a timely manner and then verify the effectiveness of corrective actions. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.** + +[Historical Information: 2008 and Before](/supervision/federal-home-loan-bank-system/historical-information-pre-2008) + +## Additional Resources + +**Affordable Housing and Community Investment** + +- [Affordable Housing and Community Investment home page](/programs/affordable-housing) +- [FHLBank Community Lending Plans](/programs/fhlbank-community-lending-plans) +- [Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities) +- [Voluntary and pilot programs](/programs/fhlbank-voluntary-and-pilot-programs) +**Governance** + +- [Independent Director Application Form](/document/fhfa-form-129-federal-home-loan-bank-independent-director-application-form.pdf) +- [Independent Director Annual Certification Form](/document/fhfa-form-130-federal-home-loan-bank-independent-director-annual-certification-form.pdf) +- [Member Director Eligibility Certification Form](/document/fhfa-form-131-federal-home-loan-bank-member-director-eligibility-certification-form.pdf) +**Guidance and Rulemaking** + +- [Advisory Bulletins](/advisory-bulletin) +- [Code of Federal Regulations: FHLBanks](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-D) +- [Rulemaking and Federal Register](/regulation/rulemaking) + +**Membership** + +- [FHLBank contacts](/supervision/federal-home-loan-bank-system/districts) +- [Membership listings](/data/fhlb-membership) +**Office of Finance** + +- [Combined Financial Reports](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/fhlbank-financial-data-36) +- [Debt issuance reporting](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/debt-statistics-61) +**Stress Tests** + +- [Stress tests and risk scenarios](/data/fhlb-stress-tests) +**Other Reports and Initiatives** + +- [Annual Report on Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) +- [FHLBank System at 100](/programs/fhlbank-system-at-100-focusing-on-the-future) + + - ## Related Links + + - [Advisory Bulletins](/advisory-bulletin) +- [Reports](/advisory-bulletin) +- [About FHLBank System](/supervision/federal-home-loan-bank-system/about) +- [Additional Resources](#additional-resources) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/791","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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About - [What We Do](/what-we-do) + - [Headquarters and Locations](/fhfa-oig-headquarters-and-locations) + - [Organization Chart](/about/Organization) + - [Frequently Asked Questions](/frequently-asked-questions) + - [OIG Offices](/OIGOffices) + - [Hotline](/ReportFraud) + - [Careers](/Career) + + ## Sidebar Menu + + - Reports - [All OIG Reports](/all-oig-reports) + - [Audits and Evaluations](/Reports/Audits%20and%20Evaluations) + - [Compliance Reviews and Inspections](/Reports/Compliance_Reviews) + - [Management Alerts and Management Advisories](/Reports/ManagementAlerts) + - [Risk Assessments](/Reports/RiskAssessments) + - [White Papers](/Reports/WhitePapers) + - [Status and Special Reports](/reports/statusreports) + - [Administrative Inquiries](/Reports/Administrative_Inquiries) + - [Other Action Items](/Reports/AdditionalActionItems) + - OIG Publications - [Management and Performance Challenges](/Reports/ManagementPerformanceChallenges) + - [Annual Plan](/Reports/AuditAndEvaluationPlan) + - [Strategic Plan](/Reports/StrategicPlan) + - [Semiannual Report to Congress](/Reports/Semiannual) + - [Compendium of Recommendations](/Reports/Compendium_of_Recommendations) + - [Press Releases](/PressRelease) + - [Testimony](/Reports/Testimony) + - [Current Peer Review Reports](/Reports/PeerReview) + + []() # The Latest + + ## Recent Publications + + [**FHFA Continues to Monitor and Assess the Adequacy of Fannie Mae’s Allowance for Loan Losses in Its Multifamily Line of Business** (EVL-2026-001) - 01/06/2026](/sites/default/files/EVL-2026-001_redacted.pdf) + + [**Compendium of Unimplemented Recommendations (January 2026)** - 01/01/2026](/sites/default/files/CompendiumJanuary2026.pdf) + + [**Thirtieth Semiannual Report to Congress** - 04/01/2025 to 09/30/2025](/sites/default/files/Thirtieth%20Semiannual%20Report%20to%20Congress.pdf) + + [**The Division of Federal Home Loan Bank Regulation Needs to Improve Controls Over Internal Model Risk** (AUD-2025-009) - 09/29/2025](/sites/default/files/AUD-2025-009.pdf) + + ## Press Releases + + [**Grand jury indicts owners of real estate investment group, closing & title company employees in more than $50 million bank fraud conspiracy** - 01/14/2026](/sites/default/files/Grand-jury-indicts-owners-of-real-estate-investment-group%2C-closing-%26-title-company-employees-in-more-than-%2450-million-bank-fraud-conspiracy.pdf) + + [**Former President of Failed Oklahoma Bank Indicted for Bank Fraud** - 12/04/2025](/sites/default/files/Former-President-of-Failed-Oklahoma-Bank-Indicted-for-Bank-Fraud.pdf) + + [**New Jersey Man Sentenced To Federal Prison For Scheme To Fraudulently Obtain Bank Loans Guaranteed By The SBA** - 11/14/2025](/sites/default/files/NEW-JERSEY-MAN-SENTENCED-TO-FEDERAL-PRISON-FOR-SCHEME-TO-FRAUDULENTLY-OBTAIN-BANK-LOANS-GUARANTEED-BY-THE-SBA.pdf) + + [**Florida Woman Sentenced For Role In Mortgage Fraud Conspiracy** - 11/14/2025](/sites/default/files/Florida-Woman-Sentenced-For-Role-In-Mortgage-Fraud-Conspiracy.pdf) + + [![OIG Hotline](/sites/default/files/OIG-hotline.png)](ReportFraud) + + ![image](/sites/default/files/FY%202024%20Convictions%20blank%20copy_0.jpg) + + ## Footer + + - [FHFA.gov](https://www.fhfa.gov) + - [Accessibility](/accessibility-and-section-508-compliance) + - [Contact Us](/contact-us) + - [Media and Press Inquiries](/media-and-press-inquiries) + - [Privacy Program](/privacy) + - [Plain Writing Act](/PlainWritingAct) + - [Vulnerability Disclosure Policy](/vulnerability-disclosure-policy) + - [Freedom of Information Act (FOIA)](/FOIA) + - [Oversight.gov](https://www.oversight.gov/) + - [USA.gov](https://www.usa.gov) + - [The White House](https://www.whitehouse.gov) + - [Notices](/Notices) + - [Digital Government Strategy](/digitalstrategy) + - [Open Government](/open-government) + - [Information Quality](/informationquality) + - [No FEAR Act](/No-Fear-Act) + - [Prohibited Personnel Practices](/Prohibited-Personnel-Practices) + - [Multilingual Content](/multilingual-content) + - [Small Business Paperwork Relief Act of 2002](/SmallBusinessPaperworkReliefAct2002) + + 400 Seventh Street, SW Washington, DC 20219 (202) 730-0880 + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/19","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"extlink_extra":{"extlink_alert_type":"page","extlink_modal_width":0,"extlink_alert_timer":0,"extlink_alert_url":"https:\/\/www.fhfaoig.gov\/now-leaving","extlink_cache_fix":0,"extlink_exclude_warning":".*\\.gov","extlink_508_fix":1,"extlink_508_text":" [external link]","extlink_url_override":0,"extlink_url_params":[]},"google_analytics":{"account":"UA-27672623-1","trackOutbound":true,"trackMailto":true,"trackDownload":true,"trackDownloadExtensions":"7z|aac|arc|arj|asf|asx|avi|bin|csv|doc(x|m)?|dot(x|m)?|exe|flv|gif|gz|gzip|hqx|jar|jpe?g|js|mp(2|3|4|e?g)|mov(ie)?|msi|msp|pdf|phps|png|ppt(x|m)?|pot(x|m)?|pps(x|m)?|ppam|sld(x|m)?|thmx|qtm?|ra(m|r)?|sea|sit|tar|tgz|torrent|txt|wav|wma|wmv|wpd|xls(x|m|b)?|xlt(x|m)|xlam|xml|z|zip"},"responsive_menus":[{"toggler_text":"\u2630 Menu","selectors":["#block-mainnavigation"],"media_size":"768","media_unit":"px","absolute":1,"disable_mouse_events":0,"remove_attributes":1,"responsive_menus_style":"responsive_menus_simple"}],"data":{"extlink":{"extTarget":true,"extTargetNoOverride":false,"extNofollow":false,"extNoreferrer":false,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":"","extInclude":"","extCssExclude":"","extCssExplicit":"","extAlert":false,"extAlertText":"\u0026lt;h1\u0026gt;WARNING: You are about to leave the government site\u0026lt;\/h1\u0026gt;\r\n\r\n\u0026lt;div class=\u0026quot;extlink-extra-leaving\u0026quot;\u0026gt;Legal text about leaving the government web space. 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a/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md new file mode 100644 index 0000000000000000000000000000000000000000..98dcd819328bca58a9fbf9a1e4f5b490c0a59734 --- /dev/null +++ b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md @@ -0,0 +1,325 @@ +--- +source_url: "https://www.fhfa.gov/programs/fintech" +date_accessed: "2026-01-27T17:48:04.474Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + + An official website of the United States government + + Here's how you know + + Here's how you know + + ![Dot 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Laptop with various financial graph overlay](/sites/default/files/styles/desktop_hero/public/2023-09/fintech-web_0.jpg.webp?h=344087a7&itok=vAQnZQAS) + + # Financial Technology (FinTech) + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - Financial Technology (FinTech) + + + + ## Introduction: Fintech in Housing Finance and FHFA + +FHFA’s Office of Financial Technology (Fintech) supports the Agency’s efforts to understand technology-driven developments in housing finance and the associated risks, and to facilitate the development of responsible innovation in FHFA’s regulated entities, which include Fannie Mae and Freddie Mac (the Enterprises) and the Federal Home Loan Bank System. The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech. + +FHFA views fintech as the application of new technologies to the production or provision of financial products and services. Fintech in the mortgage finance space can include, among other things, the application of new technologies and digital processes to: + +> **​mortgage tec​h**​​ + +mortgage origination, underwriting, servicing, investment, and other associated business activities, also known as “mortgage tech”; + +--- + +**proptech** + +researching, transacting, and managing real estate, also known as “proptech”; and + +--- + +**regtech** + +​regulation and compliance, also known as “regtech”. + +The Fintech Office engages internally through the FHFA Fintech Working Group, consisting of Agency leadership and experts across divisions and offices. The Fintech Office engages in external outreach with market participants, including industry firms, non-profits, trade associations, consumer advocacy organizations and academia to support responsible innovation in mortgage finance and an ongoing dialogue on opportunities and barriers to innovation in the mortgage ecosystem. + + ## ​​FHFA’s Housing Finance TechSprints + + Image + + ![Generative AI in Housing Finance](/sites/default/files/styles/large/public/2024-03/Generative-AI.jpg?itok=2wub2pda) + + + + In July 2024, FHFA held its second TechSprint. This year’s TechSprint, titled “Generative AI in Housing Finance,” was a team-based problem-solving event that brought together experts and practitioners from the technology and housing finance sectors to solve a common challenge: ***How might the responsible use of generative AI promote a transparent, fair, equitable, and inclusive housing finance system while fostering sustainable homeownership and rental opportunities?*** + + Learn more at the **[Generative AI in Housing Finance TechSprint webpage](/programs/fintech/techsprint/2024).** + + Learn more about FHFA’s 2023 Velocity TechSprint at the **[Velocity TechSprint webpage](/programs/fintech/techsprint/2023).** + + ## Public Listening Session + + On Thursday, October 6, 2022, FHFA’s Fintech Office hosted a virtual public listening session to solicit public input on the role of technology in housing finance and how the Agency can most constructively interact with other stakeholders to facilitate responsible innovation. Video and materials from the listening session are available through the links below. + + [Listening Session Agenda](/sites/default/files/2023-12/FinancialTechnology-Listening-Session-Agenda.pdf) [Listening Session Video](/media/31646) [Listening Session Transcript](/sites/default/files/2023-12/Financial-Technology-in-Housing-Finance-Listening-Session-10-06-2022.pdf) + + ## Request For Information + + In conjunction with the establishment of the Office of Financial Technology, FHFA is soliciting public input on the role of technology in housing finance, broadly seeking to understand the current landscape of potential innovations throughout the mortgage lifecycle and related processes, risks, and opportunities. FHFA also seeks input on how the Agency can most constructively interact with other stakeholders to facilitate responsible innovation, including the identification of any barriers to or challenges in implementing fintech in the housing finance ecosystem, while also focusing on supporting equity in the housing finance landscape for both homeowners and renters. + + [​​RFI: Fintech in Housing Finance](/sites/default/files/2024-02/financialtechnology-in-housing-finance-request-for-informationextension.pdf) ***(closed 10/31/2022)*** + + [View Input Provided here](/public-input/2022-fintech-in-housing-finance-rfi)​ - select “2022 Fintech in Housing Finance RFI" in dropdown menu + + [View Summary Responses to the Request for Information on Fintech in Housing Finance](/document/summary-of-responses-to-the-request-for-information-on-fintech-in-housing-finance) + + ## News + + **New!** [FHFA Announces 2024 Generative AI in Housing Finance TechSprint](/news/news-release/fhfa-announces-2024-generative-ai-in-housing-finance-techsprint) (3/20/2024)​ + + [FHFA Velocity TechSprint webpage](/programs/fintech/techsprint/2023) + + [Videos from FHFA Velocity TechSprint](https://www.youtube.com/playlist?list=PLhnt50YUxHmNwKpgXo0nFdcvGWxaD1gpl) + + [Summary of Key Themes from FHFA’s Velocity TechSprint](/sites/default/files/2024-01/FHFA-Velocity-TechSprint-An-Analysis-of-Key-Themes-December_2023.pdf) (12/22/2023) + + [Blog Post from FHFA Deputy Director Jason Cave on the FHFA Velocity TechSprint](/blog/insights/recapping-fhfas-inaugural-techsprint) (10/20/2023)​ + + [FHFA Announces Inaugural Housing Finance TechSprint](/news/news-release/fhfa-announces-inaugural-housing-finance-techsprint) (4/4/2023) + + [FHFA Extends Deadline to October 31 on RFI on Fintech in Housing Finance](/sites/default/files/documents/Extension-of-RFI_10142022.pdf)​ (10/14/2022) + + [Press Release: FHFA Announces Office of Financial Technology](/news/news-release/fhfa-announces-office-of-financial-technology) (7/18/2022) + + ## Meet The Team + + - ## Anne Marie Pippin + + Deputy Director, DCOR + + Division of Conservatorship Oversight and Readiness (DCOR) + + - ## Leah Price + + Supervisor, DCOR + +Office of Governance and Strategic Initiatives + +Office of Financial Technology + + - ## Tracy Step​han + + Chief Artificial Intelligence Officer and Associate Director, DCOR + + Office of Governance and Strategic Initiatives + + Office of Financial Technology + + + + ## Connect with Us + + To ask questions or request a meeting with the FHFA Office of Financial Technology, please email us at the address below: + + Image + + ![email icon](/sites/default/files/styles/large/public/2023-05/EmailIcon.png?itok=MOhHT-sd) + + + + **Email:** [Fintech@fhfa.gov](mailto:Fintech@fhfa.gov) + + + + + + *​​Page last updated: August 1, 2024​​​​​*​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/866","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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February 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/2) [Read Report](/document/FPR-FPM-Report-February-2025.pdf) April 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - January 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/1) [Read Report](/document/FPR-FPM-Report-January-2025.pdf) April 03, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 4Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q4) [Read Report](/document/fprr_4q2024.pdf) February 11, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - November 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/11) [Read Report](/document/FPR-FPM-Report-November-2024.pdf) January 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/10) [Read Report](/document/FPR-FPM-Report-October-2024.pdf) December 19, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 3Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q3) [Read Report](/document/FPRR_3Q2024.pdf) November 12, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/8) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-august-2024) October 17, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/7) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-july-2024) September 24, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 2Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q2) [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2024) August 14, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/5) [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-may-2024) July 23, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - Fraud Prevention + + + + Program + + # Fraud Prevention + + Mortgage fraud is characterized by a material misstatement, misrepresentation, or omission in relation to a mortgage loan, which is then relied upon by a lender. Mortgage fraud is a criminal offense investigated and prosecuted by law enforcement. Civil and criminal penalties for mortgage fraud at the state and federal level can be severe and may include convictions​​ and prison time, restitution payments, state fines, and/or probation. + +The Federal Housing Finance Agency is committed to the detection and prevention of mortgage fraud in the secondary mortgage market. To further this commitment, FHFA has promulgated a fraud ​rule that requires Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (regulated entities) to establish and maintain programs to detect and report fraud. The regulated entities are required to report suspicious activity, including fraud, to regulatory and law-enforcement authorities, including FHFA. FHFA also oversees the regulated entities’ managem​ent of risks associated with emerging cyber-enabled fraud schemes affecting the mortgage market and its participants. + +FHFA participates in working groups with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention and prosecution of fraudulent activity involving mortgages and other financial instruments. + +Potential homebuyers, homeowners, distressed homeowners, and individuals employed in the mortgage industry, in particular, should be aware of mortgage fraud schemes perpetrated in connection with home loan origination and throughout the life of a mortgage. Education is key to identify, detect, and prevent mortgage fraud. The information below can assist mortgage market participants in recognizing common mortgage fraud schemes. In addition, FHFA has issued [fraud prevention tips and resources](/node/696) for mortgage borrowers and renters, and for individuals working in the mortgage industry. + + ## Mortgage Fraud Detection and Avoidance + + Mortgage fraud takes two primary forms: Fraud for Profit and Fraud for Housing. + + ***Frau******d**for Profit*** usually involves industry insiders such as appraisers, brokers, and loan originators. Such schemes aim to gain cash or home equity through abuse of the mortgage lending process. + + ***Fraud for Housing***primarily consists of illegal actions by borrowers motivated to acquire or maintain ownership of a home. + + Mortgage fraud can occur through the actions of borrowers and through the actions of mortgage industry professionals in connection with obtaining a mortgage loan. + + Common instances of fraud committed by borrowers and mortgage industry professionals include: + + - Providing false information regarding employment status, income level, or employer; + - Misrepresenting the source of funds for a borrower’s down payment; + - Falsifying a borrower’s credit score and/or outstanding debts and liabilities; + - Misrepresenting a borrower’s intent to occupy the property + - Providing false information concerning a borrower’s identity; + - Using inaccurate appraisal figures to misrepresent the true value of a property; + - Obtaining multiple loans on a single property based on false information; + - Providing false property information to secure or modify a loan; and​ + - Misrepresenting income, hardship, or related information to halt foreclosure or influence a short-sale decision.​ + + Image + + ![red triangular shape with word mortgage and yellow tape wrapped around reading fraud ](/sites/default/files/styles/large/public/2023-04/mortgage-fraud-2021.png?itok=SWNhiLc2) + + #### Common Mortgage Relief Fraud Schemes + + Mortgage fraud risk is present during the life of a loan, especially if a borrower encounters financial hardship. While legitimate assistance programs are available to borrowers, there are many schemes to defraud borrowers undergoing hardship. Borrowers should carefully review mortgage or foreclosure relief, loan modification, or debt elimination offers, especially offers requiring up-front payments. The most common foreclosure assistance and loan modification scams include: + + - Foreclosure rescue arrangements that include demands for up-front fees, deed transfers, or mortgage payments to someone other than the existing loan servicer; + - Debt elimination offers that promise settlement of mortgage debts or credit repair in exchange for up-front fees; and + - Loan modification scams involving payment of up-front fees in exchange for negotiation of more favorable terms with lenders. + + #### Recurring Cyber-Enabled Fraud Schemes + + Cyber-enabled fraud is an increasing risk for both borrowers and the industry at large. Cyber-enabled fraud can target the mortgage origination process and the operations of mortgage industry participants. + + Beware of common cyber-fraud schemes that include: + + - Phishing – fraudulent emails, phone calls, or text messages purporting to be from a reputable source seeking personal information, passwords, financial information, or payments; + - Email Account Compromise – unauthorized access to a valid email address used to gain the email account holder’s personal or financial information and/or induce such person’s contacts to send fraudulent payments; and + - Fraudulent Websites – fraudulent copies or look-alikes of official websites (generally in the financial services industry) used to obtain personal or financial information and/or payments from victims. + + #### Natural Disaster-Related Fraud Schemes and Prevention Tips + + Be aware that when a natural disaster occurs, fraudsters may employ schemes to try to steal your sensitive person information, money, or home. Assistance to homeowners and renters is available through FEMA and other programs; however, scammers are increasing their attempts to harm homeowners, mortgage borrowers, and renters through housing scams, relief scams, and mortgage fraud. + +[Click here to learn more about Natural Disaster-Related Fraud Schemes and Prevention Tips](/programs/fraud-prevention/natural-disaster). + + ## Types of Housing Finance Fraud Schemes + + Understanding the different types of fraud schemes is important to detect mortgage fraud. The below defines types of housing finance fraud schemes. + + #### Prospective Borrower Fraud (fraud committed by borrowers in obtaining mortgage financing for home purchases) + + **Application Fraud**– A borrower may intentionally supply false information about income or identity in support of a mortgage application. These instances of fraud may be related to fraud for housing by a borrower or fraud for profit schemes. + + **Credit/Liabilities** – Mortgage rates and the decision to extend a loan to a borrower are heavily dependent on the applicant’s credit and current debt liabilities. Fraud may include borrower misrepresentation of credit score and/or amount of debt to qualify for a loan or for favorable loan terms. + + **Employment Fraud** – This fraud occurs when a borrower or straw buyer misrepresents his or her employment to the lender. The fraud may be committed to make the borrow appear more financially qualified for the loan or to conceal the illegal source of future loan payments. + + **Fraudulent Identity/Identity Theft/Synthetic Identity** – This fraud occurs when misappropriated identification credentials are used by an individual otherwise ineligible for a mortgage loan or as part of a fraud for profit scheme. Fraudsters may also create synthetic identities using bits and pieces of valid information from disparate sources. + + **Income/Down Payment**– This fraud involves providing false income information to qualify for a loan. Borrower income and assets may be inflated or completely manufactured. Down payment fraud involves disguising a loan of down payment funds as a gift. + + #### Fraud Against Homeowners + + **Home Title Fraud/Deed Fraud** – A property deed or title transfer executed and recorded illegally without the authorization or knowledge of the true and present owner. Methods used to attempt title fraud include forged warranty, grant, or quitclaim deeds. A forged deed, when executed and recorded, effectively transfers the property to the fraudster without the knowledge of the true homeowner. + + **Phantom Sale** – A false title transfer of property to obtain funds by mortgage loan or sale of property to third parties. + + #### Fraud Against Distressed Homeowners + + **Debt Elimination Claims** – Fraudsters claim they can eliminate a borrower’s mortgage or other debt, including credit card balances, student loans, and auto loans. Schemes generally involve demands for payment by victims of an up-front fee. Victims lose money and may lose their property, damage their credit records, and be subject to legal action by creditors based on failure to make debt payments. + + **Foreclosure Assistance Offers** – Fraudsters take advantage of homeowners in danger of defaulting on mortgage loans with false promises of saving their homes, for example, by transferring a deed or putting a property in the name of an investor. A fraudster can then sell the property and retain the proceeds, leaving the borrower’s home to go into foreclosure. + + **Home Equity Conversion Mortgage (HECM)/Reverse Mortgage Fraud** – Fraudsters taking advantage of HECM reverse mortgages contact seniors through local churches; investment seminars; television, radio, billboard, and mailer advertisements; and by other means. Fraudsters obtain a HECM in the name of an older homeowner to convert existing home equity into cash. The fraudster will pay a small fee to the homeowner or simply keep the resulting cash outright. + + **Loan Modification Fraud** – Fraudsters purport to assist homeowners who are delinquent in their mortgage payments and at risk of losing their home. The fraudster often offers to renegotiate loan terms with the lender. The scammers demand large fees up front and often negotiate unfavorable terms for the clients, if they negotiate at all. Homeowners often lose their homes. + + **Sovereign Citizen Fraud** – Sovereign citizens schemes often promote the elimination of mortgage debt based on conspiracy theories about the validity of mortgages and disbelief in the U.S. financial system. Sovereign citizen fraud also appears in instances of quitclaim deed and foreclosure assistance fraud to unlawfully acquire or maintain ownership of homes. + + #### Investor Mortgage Fraud (fraud committed by individuals purporting to secure mortgages on investment properties) + + **Straw Buyer** – Straw buyers are used to conceal fraudulent activities. A straw buyer falsely appears as the mortgage applicant and purchaser although they are acting on behalf of another person. A straw buyer with good credit may be used to obtain a loan for someone whose credit may be disqualifying or may be a participant in collusive mortgage fraud (e.g., flipping or other profit schemes). + + **Flipping** – Flipping schemes involve obtaining a loan to purchase a property, having the property appraised soon afterward at an inflated value, then reselling the property and pocketing the proceeds from the inflated resale price. + + **Flopping**– Flopping schemes involve purchases of distressed properties at below market prices, for example, through short sales. Fraudsters may collude to stage the home to appear in poor condition or may provide false appraisals in support of the low sale price. The property is then resold at a higher price with a new appraisal. + + **Occupancy**– Occupancy fraud involves falsely stating the borrower’s intent to live in a property to obtain more favorable loan terms than a second or investment home. Occupancy fraud is also a common element of schemes in which the straw buyer has no true intent to occupy the underlying property. + + #### Multifamily Property Fraud (fraud committed by multifamily borrowers against a lender) + + **Multifamily Property Fraud** – Multifamily owners provide false information to financial institutions overstating the income of a multifamily property to induce financial institutions to issue loans for greater values than the financial institutions would have authorized had they been provided with truthful information. Owners of distressed multifamily real estate may commit fraud by manipulating the property’s appraised value using tools such as bogus leases to exaggerate the building’s profitability. By the time the resulting commercial loans are in default, the lender is often left with a dilapidated or difficult-to-rent property. Many of the methods of committing mortgage fraud single-family real estate transactions are also present in multifamily loan fraud. + + #### Mortgage Industry Fraud (fraud committed by mortgage professionals) + + **Air Loans** – An air loan is a loan made based on fictitious collateral. To make air loans, broker may invent fake borrowers and properties, establish accounts for payments, and maintain custodial accounts for escrows. They may establish fraudulent contacts for fictitious employers, appraisers, credit agencies, and others to deceive creditors who attempt to verify information on loan applications. + + **Appraisal**– Appraisal fraud is committed when a property is fraudulently valued either above or below its true market value. Appraisal fraud may occur as a result of efforts to ensure that a property’s value appears consistent with an agreed purchase price, permitting the transaction to move forward, but fraudsters also commit appraisal fraud in order to profit from the difference in the fraudulent and true property values in a subsequent transaction. + + **Shotgunning** – Shotgunning fraud aims to secure multiple loans on a single property from different financial institutions without each other’s knowledge. Possible at both the purchase or refinancing stages, the fraudster aims to receive the loan disbursements simultaneously, then abscond with the proceeds, leaving the lenders to allocate losses and determine who holds the collateral. + + **Real Estate Owned (REO) Fraud** – REO fraud occurs after a property has entered the foreclosure process, and the financial institution which took the property as collateral must maintain, market, and sell the home to recoup losses from the unpaid mortgage. Fraudsters may take advantage of this stage through a variety of schemes such as fraudulent billing for fictitious maintenance charges, kickbacks arranged through non-arm’s length transactions, and laying the groundwork for flipping or flopping schemes. + + #### Money Laundering (use of fraud proceeds) + + Money Laundering is the criminal act of introducing proceeds of crime into the financial system in efforts to obscure its origin. A transaction involving proceeds of any type of fraud can be a predicate offense for money laundering. Fraudsters are known to use tools of fraud such as straw buyers and fictitious employment information to obtain mortgages through which funds may be laundered. + + #### Cyber-Enabled Fraud and Theft Schemes + + Technological advancements can create new pathways for cyber-enabled fraud. The information below can aid in identifying common cyber fraud schemes that can be used to commit mortgage fraud. + + **Business Email Compromise (BEC)** – Fraudsters target email accounts of financial institutions or their customers, including commercial, non-profit, non-governmental, or governmental entities to either spoof a valid email address or use a valid, but compromised email address to direct victims to disclose sensitive data or execute fraudulent payments. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes. + + **Caller ID and Email Spoofing** – Caller ID and email spoofing allows a fraudulent caller or sender to masquerade as someone else by falsifying either the number that appears on the victim’s caller ID display or an email sender that appears familiar and unsuspicious to the recipient. For example, fraudsters are known to spoof the identity of mortgage servicers in efforts to collect sensitive personal or financial information. + + **Credential Stuffing**– Cyber attackers may use stolen credentials (e.g., usernames/email addresses and corresponding passwords), often resulting from a data breach and purchased from the dark web, to gain unauthorized access to an account that may use the same credentials. This attack is conducted assuming that users often reuse the same username and password combination across various websites. Fraudsters use the credentials across numerous pages, such as a mortgage servicer’s website, in attempt to gain unauthorized access to customer or corporate accounts. If successful, the fraudsters often steal personal or financial information or attempt to execute fraudulent payments. + + **Drive-by Downloads**– Drive-by downloads are a common method of spreading malware. Cybercriminals look for insecure web sites and plant a malicious script into HTTP or PHP code on one of the pages. This script may install malware directly onto the computer of a victim who visits the site. Such attacks require no action on the part of the victim beyond simply visiting the compromised web site. + + **Email Account Compromise (EAC)** – Fraudsters compromise victims’ email accounts, gaining access to legitimate mailboxes. EAC may lead to theft of valuable personal or financial data as well as fraudulent payments utilizing the stolen information. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes. + + **Fraudulent Websites** – Fraudsters are known to create fictitious websites mimicking a legitimate website to trick the user into providing sensitive personal or financial information such as login credentials, bank, or mortgage information. Alternatively, fraudsters sometimes manipulate an existing and otherwise valid website for the same purposes. Fraudulent websites may also infect the victim’s computer with malware to continue the theft of information. + + **Malware** – Shorthand for malicious software, malware is the collective name for several malicious software variants, including viruses, ransomware and spyware. Malware is code developed by cyber attackers to cause extensive damage to data and systems or to gain unauthorized access to a network. Malware is typically delivered in the form of a link or file over email and requires the user to click on the link or open the file to execute the malware. + + **Man-in-the-Middle** – Man-in-the-middle attacks involve an attacker intercepting communication between two parties either to secretly eavesdrop or modify traffic traveling between the victims. Attackers commonly use man-in-the-middle attacks to steal login credentials, personal or financial information, spy, sabotage communications, or corrupt data. + + **Phishing** – Posing as a legitimate institution, fraudsters contact a target via email, telephone, or text message to lure individuals into providing sensitive data such as financial data, personally identifiable information, passwords, or other data such as mortgage information. + + **SIM Swap Attack** – Fraudsters deceive a mobile phone carrier into transferring a user's phone number to a fraudster's SIM card, allowing attacker to access a variety of information linked to a victim's mobile phone. SIM Swap is particularly dangerous if combined with misappropriated victim login credentials where the victim’s phone number is used to access sensitive data via dual factor authentication. + + **SQL Injection**– A SQL injection is a type of security exploit in which the attacker adds Structured Query Language (SQL) code to a web form input box to gain access to unauthorized resources or make changes to sensitive data. The SQL query requests that some malicious action is performed on the database and may expose intellectual property, the personal or financial information of customers, administrative credentials, or private business details. + + **Supply Chain Attack** – Supply chain attacks target less secure elements of a victim’s software or hardware supply chain network, typically by tampering with the manufacturing process of a product by installing a rootkit or hardware-based spying components. Supply chain attacks may target login credentials, personal or financial information, private communications, or sensitive data. + + **Ransomware**– Ransomware is malicious software used to infect a victim’s computer and deny access to key computer systems or data until a ransom is paid. Even if the ransom is paid, fraudsters may not restore access fully or may steal sensitive information for sale on the dark web or use in future cyber-attacks. + + **Remote Access Trojan** – A remote access Trojan (RAT) is a malware program that includes a back door for administrative control over the target computer. RATs are usually downloaded invisibly with a user-requested program and may result in theft and fraud. + + ## Report Possible Fraud + + If you are aware of possible mortgage fraud or cyber-enabled schemes targeting you or your mortgage company, report the activity to [FHFA’s Office of Inspector General online](https://www.fhfaoig.gov/ReportFraud) or at 800-793-7724. + + ## Additional Resources for Borrowers + + [Consumer Financial Protection Bureau – Fraud and Scams](https://www.consumerfinance.gov/consumer-tools/fraud/) + [Federal Bureau of Investigation – Financial Institution/Mortgage Fraud](https://www.fbi.gov/investigate/white-collar-crime#Mortgage-and%20Financial%20Instiution%20Fraud) + [Federal Trade Commission – Home Loans​](https://consumer.ftc.gov/scams) + [Fannie Mae – Beware of Scams](https://www.knowyouroptions.com/find-resources/information-and-tools/beware-of-scams) or 1-800-2FANNIE + [Freddie Mac –​ Avoiding Fraud](https://myhome.freddiemac.com/getting-help/avoiding-fraud?_gl=1*v2nz5r*_ga*MjEwMzU1ODgzNy4xNjgxMjI4NzMw*_ga_B5N0FKC09S*MTY4MTIyODczMC4xLjEuMTY4MTIyODgxMy4wLjAuMA..) or 1-800-FREDDIE (select option 2) + [Department of Housing and Urban Development – Prevent Loan Scams](https://www.hud.gov/program_offices/housing/prevent_loan_scams) + + If you have additional questions regarding your existing mortgage, contact your mortgage servicer (listed on a recent mortgage statement) for assistance. + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13426","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Frequently Asked Questions + + - ### [FHFA House Price Index Frequently Asked Questions](/faqs/hpi) + + **Published: Tuesday, August 29, 2023** + + ​​​​Table of Contents 1. What is the value of the FHFA House Price Index (HPI)? 2. What transactions are covered in the FHFA HPI? 3. How is... + + - ### [Fannie Mae and Freddie Mac Assistance Options for Families Impacted by COVID-19 FAQs](/faqs/fannie-mae-and-freddie-mac-assistance-options-for-families-impacted-by-covid-19-faqs) + + **Published: Thursday, August 25, 2022** + + ​​​​View PDF What help is available for homeowners impacted by COVID-19?Homeowners unable to make their mortgage payments resulting from the impact of COVID-1... + + - ### [Enterprise Seller/Servicer Minimum Financial Eligibility Requirements Frequently Asked Questions](/faqs/enterprise-seller-servicer-minimum-financial-eligibility-requirements-frequently-asked-questions) + + **Published: Wednesday, August 17, 2022** + + ​​View PDF 1. Why do the 2.0 Servicer Eligibility requirements include additional standards for large non-depositories? The requirements include additional standards for large non-de... + + - ### [Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/re-proposal-to-enhance-eligibility-requirements-for-enterprise-single-family-seller-servicers) + + **Published: Thursday, February 24, 2022** + + ​​Overview As part of their risk management processes, Fannie Mae and Freddie Mac (the Enterprises) each have established an approval process for seller/servicers that includes both a... + + - ### [FAQs - Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/faqs-updated-eligibility-requirements-for-enterprise-single-family-seller-servicers) + + **Published: Friday, January 31, 2020** + + view PDF1. Why are the Enterprises updating their minimum financial eligibility requirements for Single-Family Seller/Servicers? The updated financial requirements further impro... + + - ### [FAQs - Principal Reduction Modification](/faqs/faqs-principal-reduction-modification) + + **Published: Thursday, April 14, 2016** + + 1. What is the new Principal Reduction Modification program offered by Fannie Mae and Freddie Mac (the Enterprises)?The Enterprises, at the direction of the Federal Housing Finance Agency (F... + + - ### [Final Rule: Federal Home Loan Bank Membership FAQs](/faqs/final-rule-federal-home-loan-bank-membership-faqs) + + **Published: Tuesday, January 12, 2016** + + VIEW PRINTABLE FAQS1. WHAT IS FHFA'S REGULATION ON FEDERAL HOME LOAN BANK MEMBERSHIP? FHFA's regulation on Federal Home Loan Bank (FHLBank) membership implements provisions of the Feder... + + - ### [Private Mortgage Insurer Draft Eligibility Requirements Frequently Asked Questions (FAQs)](/faqs/private-mortgage-insurer-draft-eligibility-requirements-frequently-asked-questions-faqs) + + **Published: Thursday, July 10, 2014** + + ​​(1) What is private mortgage insurance? Private mortgage insurance (PMI) protects a lender against loss if the borrower defaults on his or her mortgage loan. PMI premiums may be paid by the... + + - ### [HARP Phase II Q&A’s](/faqs/harp-phase-ii-qas) + + **Published: Monday, October 24, 2011** + + Why are you making these changes to HARP now? For some time, FHFA, Fannie Mae and Freddie Mac (the Enterprises), lenders, servicers and private mortgage insurers (MI’s) have been engaged in a... + + - ### [Servicing Alignment Initiative Frequently Asked Questions](/faqs/servicing-alignment-initiative-frequently-asked-questions) + + **Published: Thursday, April 28, 2011** + + Q1. What is the Servicing Alignment Initiative and why is FHFA directing it? 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Guarantee Fees History + + + + Policy + + # Guarantee Fees History + + ## Fannie Mae and Freddie Mac Guarantee Fees + +Fannie Mae and Freddie Mac buy single-family mortgages from mortgage companies, commercial banks, credit unions, and other financial institutions. In most cases, a lender receives mortgage-backed securities (MBS) in exchange for the loans. + +Fannie Mae and Freddie Mac guarantee the payment of principal and interest on their MBS and charges a fee for providing that guarantee. The guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital. + +## Lender Fees + +Lender guarantee fee payments generally take the form of ongoing monthly payments and frequently also include an upfront payment at the time of Enterprise loan acquisition. A lender typically passes through to the borrower the cost of an upfront fee in the form of a slightly higher interest rate on the mortgage, since borrowers tend to choose not to pay points. Ongoing fees are also included in the interest rate charged to the borrower. + +## No Difference to Borrowers + +Therefore, as a practical matter, whether Fannie Mae or Freddie Mac charge guarantee fees to lenders as ongoing fees or upfront fees typically makes no difference to borrowers. + +## [Guarantee Fees Studies](/reports/single-family-guarantee-fees) + +Section 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires us to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac and to submit annual reports to Congress, based on aggregated data collected from the Enterprises, regarding the amount of such fees and the criteria used by the Enterprises to determine them. + +## Guarantee Fee Increases + +In December 2011, Congress directed FHFA in the Temporary Payroll Tax Cut Continuation Act of 2011 to increase the guarantee fees Fannie Mae and Freddie Mac charge lenders on single-family mortgages by at least an average of 10 basis points. + +To fulfill that mandate, FHFA directed Fannie Mae and Freddie Mac to raise guarantee fees by 10 basis points beginning in April 2012. Unlike other single-family guarantee fees, which are retained by Fannie Mae and Freddie Mac, the proceeds from this fee increase are remitted to the Treasury at the end of each quarter. + +In August 2012, FHFA directed Fannie Mae and Freddie Mac to make more changes to the single-family guarantee fees they charge lenders. The changes became fully effective in December 2012, and Fannie Mae and Freddie Mac keep the resulting revenues. + +The changes: + +- Increased guarantee fees on single-family mortgages by an additional 10 basis points on average. +- Made the guarantee fees the Enterprises charge lenders that deliver small and large volumes of loans more uniform. +- Began to address the issue of lower-risk loans subsidizing the pricing of higher-risk loans. +## State-Level Guarantee Fee Proposal + +In September 2012, we solicited public input via a [*Federal Register* notice on September 25, 2012](/regulation/federal-register/public-input-notice/2012-n-13) on a proposal to impose an up-front fee on newly acquired single-family mortgages originated in specific states where Fannie Mae and Freddie Mac are likely to incur default-related losses much higher than the national average because of the individual laws in those states. + +[FHFA received more than 60 responses](/regulation/federal-register/public-input-notice/2012-n-13) from state and local government officials, interest groups, academics, and the public. + +FHFA evaluated public input and determined not to proceed with this initiative at this time. + +Read the latest reports: [Single Family Guarantee Fee Reports](/reports/single-family-guarantee-fees) and [State-Level Guarantee Fee Analysis](/reports/single-family-guarantee-fees/state-level-guarantee-fee-analysis). + +## FHFA Request for Input + +On December 9, 2013, the Federal Housing Finance Agency (FHFA) announced proposed increases to guarantee fees (g-fees) that Fannie Mae and Freddie Mac (the Enterprises) charge lenders. The Enterprises receive these fees in return for providing a credit guarantee to ensure the timely payment of principal and interest to investors in Mortgage Backed Securities (MBS) if the borrower fails to pay. The MBS, in turn, are backed by mortgages that lenders sell to the Enterprises. + +The proposed changes included an across-the-board 10 basis point increase, an adjustment of up-front fees charged to borrowers in different risk categories and elimination of the 25 basis point Adverse Market Charge for all but four states. On January 8, 2014, Director Melvin L. Watt suspended implementation of these changes pending further review. As part of that review, FHFA solicited input on guarantee fees. Deadline for input closed September 8, 2014. + +- ​[Link to news release announcing the Request for Input](/news/news-release/fhfa-seeks-input-on-fannie-mae-and-freddie-mac-guarantee-fees) (6/5/2014)​ +- [Link to the Request for Input](/sites/default/files/documents/GfeeRFI060514F.pdf) +- [Link to View Input Received](/public-input/guarantee-fees)​ - submission period now closed +- [Link to news release extending deadline for input](/news/news-release/fhfa-extends-deadline-for-g-fee-input-to-september-8) (7/29/2014) +## Guarantee Fee Review + +The Federal Housing Finance Agency (FHFA) has completed a comprehensive review of the agency’s policy for guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). FHFA’s review considered multiple factors, including responses to the agency’s June 2014 request for public input, analyses by housing finance market participants of the implied guarantee fee pricing from the Enterprises’ credit risk transfers, and internal analyses of Enterprise pricing, credit guarantee loss data, and modeling. + +FHFA’s review focused on reaching an appropriate balance between FHFA’s statutory obligations to: 1) ensure the safety and soundness of the Enterprises, and 2) foster a liquid national housing finance market. In light of this balance, FHFA determined, based on both internal and external analysis, that the current average level of guarantee fees appropriately reflects the current costs and risks associated with providing the Enterprises’ credit guarantee. + +​As a result, FHFA finds no compelling economic reason to change the general level of fees. FHFA, however, is making certain minor and targeted fee adjustments. To implement these decisions, the agency is directing the Enterprises to make changes to their guarantee fees that will slightly reduce, maintain, or increase costs for different categories of loans. Since all of the guarantee fee changes are small, the agency does not expect the adjustments to cause any material changes to the Enterprises’ loan volume in any of the loan categories and expects the small changes to be revenue neutral. + +- FHFA NEWS RELEASE: [FHFA Completes Guarantee Fee Review](/news/news-release/fhfa-completes-guarantee-fee-review-g-fees-to-remain-at-current-levels-with-modest-adjustments) (4/17/2015) +- FHFA FACT SHEET: [Results of Fannie Mae and Freddie Mac Guarantee Fee Review](/news/fact-sheet/results-of-fannie-mae-and-freddie-mac-guarantee-fee-review) (4/17/2015) +## Guarantee Fee Activities + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) (12/22/2025) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) (1/17/2025) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) (5/2/2024) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021)​ (11/16/2022) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020)​ (12/21/2021) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) (12/14/2020) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018)(12/18/2019) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) (12/10/2018) + +[FHFA Issues 2016 Report to Congress on Guarantee Fees](/news/news-release/fhfa-issues-2016-report-to-congress-on-guarantee-fees) (10/17/2017) + +[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) (10/17/2017) + + + +*Date last updated: 12/22/2025* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13701","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Helping Restore the American Dream for +ALL Americans + + .usa-hero .usa-hero__callout { background-color: rgba(0,0,0,0)!important; } .hero-title {font-size:3.5rem;text-shadow:1px 1px 3px #000;} .hero-subtitle{font-size:1.55rem!important;text-shadow:1px 1px 1px #000;} .usa-button--outline {border-radius:.25rem;box-shadow:inset 0 0 0 2px #fff;color:#fff;padding:.75rem 1rem;text-decoration:none;}@media only screen and (max-width: 850px) { .hero-title {font-size: 2.5rem!important} .hero-subtitle {font-size: 1.25rem!important} .usa-button--outline {font-size: 1rem} } @media only screen and (max-width: 1140px) { .usa-hero{background-position: center center} } @media only screen and (max-width: 730px) { .hero-title {font-size: 2rem!important} .hero-subtitle {font-size: 1rem!important} .usa-button--outline {font-size: 1rem!important} } @media only screen and (max-width: 640px) { .main-content.usa-section{padding-top: 0!important} } @media only screen and (max-width: 675px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .usa-button--outline {font-size: .85rem!important} } @media only screen and (max-width: 500px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .hero-subtitle {display:none!important} .usa-button--outline {font-size: .7rem!important} } + + ## About FHFA + +The Federal Housing Finance Agency (FHFA) is an independent agency established by the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of the [Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The Agency's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, "the regulated entities") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. + +[Read More](/about) + + ## Latest News + + - ## News Release + + ![FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year ](/sites/default/files/2026-01/hpi-january-2026-homepage-card-image.jpg) + + January 27, 2026 + + U.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October remained unchanged. + + [Read More](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year) + + - ## News Release + + ![U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/sites/default/files/2026-01/PAR-FY2025-homepage-card-image_0.jpg) + + January 23, 2026 + + U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the safety and soundness and housing affordability mission of Fannie, Freddie, and the Federal Home Loan Banks during fiscal year 2025. + + [Read More](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit) + + - ## News Release + + ![FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/sites/default/files/2025-12/hpi-december-2025-homepage-card-image.jpg) + + December 30, 2025 + + U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was revised downward to a 0.1 percent decline. + + [Read More](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year) + + [View More](/news) + + ## Spotlight Topic + + - ![Suspension red stamp](/sites/default/files/2025-02/suspension-in-red-ink.jpg) + + ### ​Suspended Counterparty + +FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct. + + [View ​Suspended Counterparty Program List](/regulation/suspended-counterparty-program) + + - ### FHFA House Price Index® + +The FHFA House Price Index® (FHFA HPI® ) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data from all 50 states and over 400 American cities. + + [View the latest report](/reports/house-price-index/2026/1) + + ## Housing Market Indicators + + ## MIRS Transition Index + + MIRS Transition Index Release Dates Index Values December 2025 6.29 November 2025 6.34 October 2025 6.57 [MIRS transition index](/data/mirs) is intended to be used in lieu of the discontinued MIRS ARM Index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. For further information, click [here](/data/mirs). + + ## House Prices + + FHFA HPI-Source Quarterly Change 2025Q2-2025Q3 Four Quarter Change 2024Q3-2025Q3 "Purchase-Only" U.S. Index +(Seasonally Adjusted) 0.2% 2.2% "Expanded-Data" U.S. Index +(Seasonally Adjusted) 0.3% 3.3% + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34836","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Helping Restore the American Dream for +ALL Americans + + .usa-hero .usa-hero__callout { background-color: rgba(0,0,0,0)!important; } .hero-title {font-size:3.5rem;text-shadow:1px 1px 3px #000;} .hero-subtitle{font-size:1.55rem!important;text-shadow:1px 1px 1px #000;} .usa-button--outline {border-radius:.25rem;box-shadow:inset 0 0 0 2px #fff;color:#fff;padding:.75rem 1rem;text-decoration:none;}@media only screen and (max-width: 850px) { .hero-title {font-size: 2.5rem!important} .hero-subtitle {font-size: 1.25rem!important} .usa-button--outline {font-size: 1rem} } @media only screen and (max-width: 1140px) { .usa-hero{background-position: center center} } @media only screen and (max-width: 730px) { .hero-title {font-size: 2rem!important} .hero-subtitle {font-size: 1rem!important} .usa-button--outline {font-size: 1rem!important} } @media only screen and (max-width: 640px) { .main-content.usa-section{padding-top: 0!important} } @media only screen and (max-width: 675px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .usa-button--outline {font-size: .85rem!important} } @media only screen and (max-width: 500px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .hero-subtitle {display:none!important} .usa-button--outline {font-size: .7rem!important} } + + ## About FHFA + +The Federal Housing Finance Agency (FHFA) is an independent agency established by the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of the [Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The Agency's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, "the regulated entities") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. + +[Read More](/about) + + ## Latest News + + - ## News Release + + ![FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year ](/sites/default/files/2026-01/hpi-january-2026-homepage-card-image.jpg) + + January 27, 2026 + + U.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October remained unchanged. + + [Read More](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year) + + - ## News Release + + ![U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/sites/default/files/2026-01/PAR-FY2025-homepage-card-image_0.jpg) + + January 23, 2026 + + U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the safety and soundness and housing affordability mission of Fannie, Freddie, and the Federal Home Loan Banks during fiscal year 2025. + + [Read More](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit) + + - ## News Release + + ![FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/sites/default/files/2025-12/hpi-december-2025-homepage-card-image.jpg) + + December 30, 2025 + + U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was revised downward to a 0.1 percent decline. + + [Read More](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year) + + [View More](/news) + + ## Spotlight Topic + + - ![Suspension red stamp](/sites/default/files/2025-02/suspension-in-red-ink.jpg) + + ### ​Suspended Counterparty + +FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct. + + [View ​Suspended Counterparty Program List](/regulation/suspended-counterparty-program) + + - ### FHFA House Price Index® + +The FHFA House Price Index® (FHFA HPI® ) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data from all 50 states and over 400 American cities. + + [View the latest report](/reports/house-price-index/2026/1) + + ## Housing Market Indicators + + ## MIRS Transition Index + + MIRS Transition Index Release Dates Index Values December 2025 6.29 November 2025 6.34 October 2025 6.57 [MIRS transition index](/data/mirs) is intended to be used in lieu of the discontinued MIRS ARM Index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. For further information, click [here](/data/mirs). + + ## House Prices + + FHFA HPI-Source Quarterly Change 2025Q2-2025Q3 Four Quarter Change 2024Q3-2025Q3 "Purchase-Only" U.S. Index +(Seasonally Adjusted) 0.2% 2.2% "Expanded-Data" U.S. Index +(Seasonally Adjusted) 0.3% 3.3% + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34836","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Housing Mission Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Housing Mission Report + + + + ​​​​​​The Federal Housing Finance Agency (FHFA), as regulator and conservator of Fannie Mae and Freddie Mac (the Enterprises), and as regulator of the 11 Federal Home Loan Banks (FHLBanks), is responsible for their effective supervision, regulation, and mission oversight. FHFA oversees the Enterprises and the FHLBanks (regulated entities) as they work to fulfill their responsibilities to support affordable and sustainable housing finance, targeted financing for economic development, and underserved communities. This report provides a summary of the activities carried out by the regulated entities in pursuit of those objectives. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/321&order=field_release_date&sort=asc) Report Attachment April 17, 2024 [2023 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2023) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2023-Housing-Mission-Report.pdf) April 28, 2023 [2022 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2022) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2022-Mission-Report.pdf) June 06, 2022 [2021 Mission Report: Affordable Housing Activities of the Regulated Entities](/reports/mission-report/2021) [Read Report](/document/fhfa-2021-mission-report-affordable-housing-activities-of-the-regulated-entities) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - Information Quality + + + + # Information Quality + + The Office of Management and Budget (OMB) issu​ed government-wide information quality guidelines under section 515 of the Treasury and General Government Appropriations Act for Fiscal Year 2001. The OMB Section 515 Information Quality Guidelines have been prepared to ensure and maximize the quality, objectivity, utility and integrity of information disseminated by Federal agencies. + +[FHFA Information Quality Guidelines (2022)](/sites/default/files/2023-02/FHFA-Information-Quality-Guidelines-2022.pdf) + +[FHFA Information Quality Annual Reports](/reports/information-quality-report) + +**Information Correction Requests and Requests for Reconsideration** should be sent to: + +> ​Federal Housing Finance Agency +ATTN: *Information Quality Program (OTIM/OCAC)* +400 7th Street, S.W. +Washington, D.C. 20219 + +Email: [InformationQuality@FHFA.gov](mailto:InformationQuality@FHFA.gov)​ + +**What information must I include in my request?** + +- Your name, address, telephone number, and organizational affiliation, if any; +- A description of the specific information that is the subject of the request (title of the document, date of release, URL of the web page on which the information appears, etc.); +- An explanation of the reasons for believing the information is incorrect, including specific recommendations for correcting the information. +Persons filing a request or complaint have the burden of proof to demonstrate that the information is not correct. Information requests will be evaluated for completeness and clarity. + +**When and how will FHFA respond to my complaint?** + +In general, FHFA will respond in writing within 60 calendar days from the date FHFA receives your complaint. This response time may be extended for up to an additional 60 calendar days. If an extension is required, FHFA will send you a notice and will provide you with an estimated response date. ​ + +**Peer Review Reports** + +Federal Housing Finance Agency does not currently produce or sponsor the distribution of influential scientific information (including highly influential scientific assessments) within the definitions promulgated by OMB.​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/856","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Information Resources Management Strategic Plan + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Information Resources Management Strategic Plan + + + + The purpose of FHFA’s Information Resources Management (IRM) Strategic Plan is to provide direction, organizational alignment, and prioritization for key Information Technology (IT) and data initiatives. Implementation of the IRM Strategic Plan will maximize the impact of information resources on FHFA’s mission and ongoing operations. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13451&order=field_release_date&sort=asc) Report Attachment August 18, 2025 [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025) [Read Report](/document/open-data-plan-2025.pdf) March 11, 2024 [FHFA Information Resources Management Strategic Plan FY 2024-2026](/reports/information-resources-management-strategic-plan/2024-2026) [Read Report](/document/fhfa-information-resources-management-strategic-plan-fy-2024-2026) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/13451","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/information-resources-management-strategic-plan":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - 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[Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Mortgage Translations](/mortgage-translations) + - Interpretive Services + + + + # Interpretive Services + + Becoming a homeowner and understanding the mortgage process can be challenging in any language. If you are looking to speak with someone in your preferred language about the mortgage process, mortgage documents, loan payments, staying in your home, or avoiding scams or fraud, there are resources available for you. Whether it is a live interpretation service or a counselor who speaks your language, free-to-use interpretive services are here to help. + +## HUD + +[Image + + ![HUD Logo](/sites/default/files/styles/large/public/2023-11/hud-logo_1.png?itok=p6nZDWIf)](https://hud4.my.site.com/housingcounseling/s/?language=en_US) + + + +HUD's nationwide network of Housing Counseling Agencies provide individual counseling and group education to help current and prospective homeowners and renters make responsible housing choices. These HUD-approved agencies provide guidance and resources on homeownership, rental, service for the homeless, reverse mortgage and budget and financial literacy via face-to-face, phone and secure internet platforms. HUD has created a tool to locate housing counseling agencies that includes what languages are supported so you can find a housing counselor you can work with in your preferred language. [https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) + +Additionally, you may call their interactive housing counseling line to be directed to housing counseling agencies in your area in the English or Spanish languages at **(800) 569-4287**. + + + +For help with… Services and cost Contact Availability & languages supported - Financial management/budget counseling +- Mortgage delinquency and default resolution counseling +- Non-delinquency post purchase workshops +- Pre-purchase counseling and homebuyer education workshops The Counseling line is a free automated telephone line that directs you to counselors in your area. The online locator includes the languages supported by each housing counselor **(800) 569-4287**or online [here](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) Housing counseling line, available in English and Spanish, and locator tool are available 24/7 but hours of operation and languages supported vary by agency ## CFPB + +Help by phone is available in more than 180 languages when you call (855) 411-2372. Visit [www.consumerfinance.gov/language/](https://www.consumerfinance.gov/language/) for more information. + + + +## Homeownership Preservation Foundation + +[Image + + ![hpf homeowner's HOPE hotline](/sites/default/files/styles/large/public/2023-11/hpf_hopehotline_0.jpg?itok=TJ2QJ8fG)](https://995hope.org/) + +The Homeownership Preservation Foundation provides financial education for anyone thinking about buying their first home, currently own a home, or are thinking about homeownership again. A HUD certified counselor is ready to talk with you. You and your coach will review your overall financial outlook together and develop a comprehensive action plan specifically tailored to your unique circumstances and goals. Call **(888) 995HOPE (4673)**and request assistance in your preferred language. + +[https://995hope.org/](https://995hope.org/) + +For help with… Services and cost Contact Availability & languages supported - Foreclosure Prevention +- Financial management/budget counseling +- Financial wellness coaching +- Buying or renting a home +- Reverse Mortgage Free hotline. Request assistance in your language and the hotline will connect you with a translator **(888) 995-HOPE (4673)** English, Spanish, and able to support over 200 additional languages, offering extended hours weekdays 8-10pm ET and Saturdays 9-6 ET + +*​**LEGAL DISCLAIMER*** +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # LIBOR Transition + + *Note: Sign up at bottom of the page to subscribe and be notified of updates.* + +Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) all have financial instruments that reference [Intercontinental Exchange London Interbank Offered Rate (ICE LIBOR)](https://www.theice.com/iba/libor), the most widely used int​erest rate benchmark in the world. [Since 2017](https://www.fca.org.uk/news/speeches/the-future-of-libor), the Financial Conduct Authority, the United Kingdom-based regulator of LIBOR, has been warning market participants that it will stop compelling panel banks to submit LIBOR quotes beginning in 2022, [which could result in a declaration that LIBOR](https://www.fca.org.uk/news/speeches/libor-preparing-end) is no longer representative of market activity. On March 5, 2021, the FCA announced that the publication of 1-week and 2-month US dollar LIBOR will cease after December 31, 2021, and the publication of all other US dollar LIBOR settings will cease or be deemed unrepresentative after June 30, 2023. + +FHFA serves as an ex officio non-voting member of the [Alternative Reference Rates Committee (ARRC)](https://www.newyorkfed.org/arrc/about) established by the Federal Reserve Board and the New York Federal Reserve Bank to facilitate the migration away from LIBOR to the Secured Overnight Financing Rate (SOFR), the rate selected by ARRC as a more robust transactions-based replacement for LIBOR in the U.S. Fannie Mae, Freddie Mac, and the FHLBanks (through the FHLBank of New York) all serve as members of the ARRC. + +FHFA is working with its regulated entities to monitor their exposure to LIBOR as they execute their transition plans away from LIBOR. The FHFA’s regulated entities (Fannie Mae, Freddie Mac, and the FHLBanks)are now regular issuers of SOFR-indexed debt. + +## Steps Taken + +- FHFA worked with Fannie Mae and Freddie Mac to develop the parameters of a SOFR-based adjustable-rate mortgage (ARM) and to develop more robust “fallback language” for ARMs that describe how a replacement rate would be selected in the event of the cessation of an ARM’s reference rate. +- Fannie Mae and Freddie Mac have ceased purchasing seasoned LIBOR-based ARMs. +- Effective January 1, 2020, FHFA has prohibited the Banks from purchasing LIBOR-linked investments with maturities beyond December 31, 2021. +- On May 27, 2020, at the direction of FHFA, Fannie Mae posted a [supplement](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/remic-trust-agreements) and Freddie Mac posted [amendments](https://capitalmarkets.freddiemac.com/mbs/docs/f371news.pdf) to disclosures governing certain legacy LIBOR-indexed collateralized mortgage obligations (CMOs) that did not contemplate a permanent LIBOR cessation. +- Effective June 30, 2020, the FHLBanks ceased entering into all other LIBOR transactions with maturities that extend beyond December 31, 2021, with only very limited exceptions granted by FHFA. This date was extended from its original date of March 31, 2020, and this extension did not cover option-embedded products. +- As of July 2020, both [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/updates-sofr-indexed-cmos-determination-dates-and-offering-timing) and [Freddie Mac](http://www.freddiemac.com/mbs/docs/f375news.pdf) offered SOFR-indexed CMOs. +- On August 3, 2020, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/single-family-mbs/fannie-mae-accept-single-family-sofr-arm-products-beginning-august-3-2020) started accepting whole loan and MBS deliveries of single-family adjustable-rate mortgage (ARM) loans indexed to the SOFR.​ +- Beginning September 1, 2020, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/multifamily-mbs/new-details-multifamily-sofr-arms) began quoting multifamily ARM loans indexed to SOFR but did not accept delivery on October 1, 2020. Freddie Mac began issuing quotes for multifamily SOFR-indexed floating rate loans on September 1, 2020 and purchased its first SOFR-indexed loan at the end of September 2020. +- Fannie Mae began issuing multifamily and single-family MBS backed by SOFR-indexed ARMs on September 10, 2020 and October 23, 2020, respectively. +- Under the guidance of FHFA, effective October 1, 2020, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/single-family-mbs/introduction-sofr-indexed-cmos-cessation-new-libor-indexed-cmo-issuances-and-supplementamendments) and [Freddie Mac](http://www.freddiemac.com/mbs/docs/f371news.pdf) ceased issuing new LIBOR-indexed CMOs. +- Freddie Mac announced that it priced its first SOFR linked Single-family CRT offering on October 16, 2020. The offering size was $1.086 billion for the STACR REMIC 2020-DNA5 offering. [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-prices-first-its-kind-276-million-multifamily) announced that it priced its first SOFR linked multifamily CRT offering on January 12, 2021. The offering size was approximately $276 million. The details of the offering and the pricing for the different tranches are available in [Freddie Mac’s News Release](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-completes-first-single-family-credit-risk-transfer?_ga=2.77713556.1693900498.1603376671-1260507399.1593517581). +- On December 12, 2019, [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-prices-first-k-deal-bonds-indexed-sofr?_ga=2.158303038.546481127.1617800583-39392738.1617638070) announced that it priced its first multifamily K-Deals (K-F73 Certificates) indexed to SOFR but backed by LIBOR loans, and on December 9, 2020, [it announced](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-prices-991-million-multifamily-k-deal-k-f95?_ga=2.167071546.546481127.1617800583-39392738.1617638070) that it priced its first multifamily K-Deals (K-F95 Certificates) indexed to SOFR and backed by SOFR loans. +- On November 9, 2020, Freddie Mac started accepting whole loan and MBS deliveries of single-family adjustable-rate mortgage (ARM) loans indexed to the SOFR. +- On December 31, 2020, Fannie Mae and Freddie Mac ceased purchasing LIBOR-based ARMs. +- On December 31, 2020, Fannie Mae and Freddie Mac ceased issuing LIBOR-based credit risk transfers (CRT). +- On October 19, 2021, Fannie Mae announced that it priced its first SOFR linked Connecticut Avenue Securities offering. The offering size was $1.2 billion. The details of the offering and the pricing of the different tranches are available in the following link. +[https://www.fanniemae.com/newsroom/fannie-mae-news/connecticut-avenue-securities-2021-r01-remic-deal](https://www.fanniemae.com/newsroom/fannie-mae-news/connecticut-avenue-securities-2021-r01-remic-deal) +- On May 12, 2022, [Fannie Mae](https://capitalmarkets.fanniemae.com/announcement/libor-indexed-cmos-mbs-cease-resecuritization) and [Freddie Mac](https://capitalmarkets.freddiemac.com/mbs/docs/f409news.pdf) announced the cessation of the resecuritization of existing LIBOR-indexed CMOs and MBS into new LIBOR-indexed CMOs and MBS, effective June 30, 2022. +- On December 22, 2022, [Fannie Mae](https://www.fanniemae.com/newsroom/fannie-mae-news/replacement-rates-legacy-libor-products?_ga=2.103143045.447464436.1678901602-318322414.1678901602&_gl=1*1a5ypne*_ga*MzE4MzIyNDE0LjE2Nzg5MDE2MDI.*_ga_WDSHL9Q5YM*MTY3ODkwNjIzMC4yLjAuMTY3ODkwNjIzNS4wLjAuMA..) and [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-announces-replacement-rates-its-legacy-libor) announced their SOFR-based replacement rates for legacy LIBOR products. +- O​n January 13, 2023, [Fannie Mae](https://www.fanniemae.com/newsroom/fannie-mae-news/further-details-libor-transition) and [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-announces-additional-details-regarding-libor) announced the use of 30-day Average SOFR for many new issuances, aligning with the replacement rates for legacy LIBOR products. +[Fannie Mae](https://capitalmarkets.fanniemae.com/new-libor-transition-webpage) and [Freddie Mac](https://www.freddiemac.com/about/pdf/LIBOR_transition_faqs.pdf) have launched LIBOR transition websites that provide key resources for lenders and investors as the Enterprises transition away from LIBOR. + +See below for additional information on steps that FHFA and its regulated entities are taking to lower the regulated entities' respective exposures to post-2021 LIBOR products in a safe, sound, and prudent manner. + +## News Releases + +- ARRC News Release: [ARRC Releases Final Reflections and Announces its Conclusion Following a Successful Transition](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2023/ARRC-Press-Release-Closing-Report.pdf) (11/30/2023) +- On May 16, 2023, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-legacy-libor-indexed-cusips-uploaded-dtcc-lens) and [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-posts-libor-indexed-securities-fallback-rate?_ga=2.33465598.1968698009.1684268581-851697357.1618332389) announced that they posted fallback information on their LIBOR-indexed securities to the Depository Trust & Clearing Corporation’s (DTCC) Legal Notice System (LENS), in addition to the fallback information provided on their respective Reference Rate Transition websites. +- ARRC News Release: [ARRC Formally Recommends Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_SOFR.pdf) (7/29/2021) +- ARRC News Release: [Update on Upcoming Formal Recommendation of Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Convention_Switch_Update.pdf) (7/26/2021) +- ARRC News Release: [ARRC Endorses MRAC Recommendations for September 21 "RFR First" Move of Interdealer Cross-Currency Swap Market Trading Convention](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Endorsement_of_MRAC.pdf) (7/21/2021) +- ARRC News Release: [ARRC Recommends Loan Conventions and Best Practices for Use of Forward-Looking SOFR Term Rate](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_Rate_Scope_and_Conventions.pdf) (7/21/2021) +- ARRC News Release: [ARRC Commends the CFTC Market Risk Advisory Committee's Formal Adoption of a Recommendation on Transitioning Interdealer Derivatives Market Trading Conventions to SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Supporting_MRAC_SOFR.pdf) (7/13/2021)​ +- ARRC News Release: [ARRC Welcomes FHFA Supervisory Letter on Transition Away from LIBOR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210701-arrc-press-release-fhfa-supervisory-letter) (7/1/2021) +- ARRC News Release: [ARRC Endorses Decision to Sign New York State LIBOR Legislation into Law](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210407-arrc-press-release-nys-legislation) (4/7/2021) +- ARRC News Release: [ARRC Announces Refinitiv as Publisher of its Spread Adjustment Rates for Cash Products](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210317-press-release-Spread-Adjustment-Vendor-Refinitiv.pdf) (3/17/2021) +- Financial Conduct Authority (FCA) Release: [FCA announcement on future cessation and loss of representativeness of the LIBOR benchmarks](https://www.fca.org.uk/publication/documents/future-cessation-loss-representativeness-libor-benchmarks.pdf) (3/5/2021) +- Bloomberg Release: [Spread Fixing Event for LIBOR](https://assets.bbhub.io/professional/sites/10/IBOR-Fallbacks-LIBOR-Cessation_Announcement_20210305.pdf) (3/5/2021) +- ​​​Fannie Mae News Release: [Fannie Mae Advances Market Readiness For New Index Rate​](https://www.fanniemae.com/newsroom/fannie-mae-news/fannie-mae-advances-market-readiness-new-index-rate) (12/17/2020) +- Freddie Mac News Release: [Freddie Mac Clears Path for New Index Rate​](http://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-clears-path-new-index-rate?_ga=2.237851904.147424302.1608224793-348603369.1608224793) (12/17/2020) +- Fannie Mae News Release: [Fannie Mae Issues Inaugural Multifamily and Single-Family SOFR ARM MBS​](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-issues-inaugural-multifamily-and-single-family-sofr-arm-mbs) (10/30/2020) +- ​Freddie Mac News Release: [​Freddie Mac Completes First Single-Family Credit Risk Transfer Offering Indexed to SOFR​](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-completes-first-single-family-credit-risk-transfer?_ga=2.77713556.1693900498.1603376671-1260507399.1593517581) (10/16/2020) +- ARRC News Release: [ARRC Supports Forthcoming ISDA IBOR Fallbacks Protocol and Encourages Adherence](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2020/ARRC_Press_Release_ISDA_Protocol.pdf)​ (10/22/2020) +- Fannie Mae News Release: [New Details on Multifamily SOFR ARMs](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/multifamily-mbs/new-details-multifamily-sofr-arms) (8/11/2020) +- FHFA News Release: [FHFA Announces New Fannie Mae and Freddie Mac LIBOR Transition Resources; Joint Enterprise LIBOR Transition Playbook and Frequently Asked Questions Now Online](/node/9631)(5/28/2020) +- ARRC News Release: [ARRC Welcomes Fannie Mae and Freddie Mac's LIBOR Transition Playbook](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2020/ARRC_Press_Release_FHFA.pdf) (5/28/2020) +- ARRC News Release: [ARRC Commends Fannie Mae and Freddie Mac's Progress on the First SOFR-Based Consumer Loan Products​](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2020/arrc-press-release-fannie-mae-freddie-mac-sofr-arms-4-13-2020) (4/13/2020) +- FHFA News Release: [FHFA Announces Fannie Mae and Freddie Mac Update on LIBOR Transition](/node/9456) (2/5/2020)- [Fannie Mae Single-Family LIBOR Transition Announcement](https://singlefamily.fanniemae.com/media/document/pdf/lender-letter-ll-2020-01) (2/5/2020) +- [Fannie Mae Multifamily LIBOR Transition Announcement](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/single-family-and-multifamily-arm-index-update) (2/5/2020) +- [Freddie Mac Single-Family LIBOR Transition Announcement](https://guide.freddiemac.com/app/guide/bulletin/2020-1) (2/5/2020) +- ARRC News Release:[ARRC Welcomes Federal Housing Finance Agency's Announcement that Fannie Mae and Freddie Mac Will No Longer Accept Adjustable-Rate Mortgages Based on LIBOR by Year-End](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2020/ARRC_Press_Release_ARMs.pdf) (2/5/2020) +- FHFA News Release: [FHFA Instructs FHLBanks to Begin Transitioning Away from LIBOR](/fhfa-instructs-fhlbanks-begin-transitioning-away-libor) (9/27/2019)- FHFA Supervisory Letter to the FHLBanks: [Planning for LIBOR Phase-Out](/sites/default/files/2023-03/supervisory-letter_planning-for-libor-phase-out.pdf) (9/27/2019) +- Office of Finance News Release: [FHLBanks Surpass $100 Billion in SOFR-linked issuance](http://www.fhlb-of.com/ofweb_userWeb/resources/PR2019-08-SOFRMilestone.pdf) (8/21/2019) +- Fannie Mae News Release: [Fannie Mae Pioneers Market's First-Ever Secured Overnight Financing Rate (SOFR) Securities](https://www.fanniemae.com/portal/media/financial-news/2018/fannie-mae-pioneers-sofr-securities-6736.html) (7/26/2019) +- Freddie Mac Bulletin: [Purchase of LIBOR ARMs](https://guide.freddiemac.com/app/guide/content/a_id/1003110) (5/17/2019) +- ARRC News Release: [ARRC releases recommended fallback language for residential adjustable-rate mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARM_Fallback_Language_Press_Release.pdf) (11/15/2019) +- Fannie Mae and Freddie Mac announce their intentions to use the fallback language that the ARRC has recommended for newly originated adjustable-rate mortgages (ARMs):- [Fannie Mae to Use ARRC Recommended Fallback Language for Single-Family ARMs](https://www.fanniemae.com/portal/media/statements/2019/statement-fm-aarc-sf-arms-6951.html) (11/15/2019) +- [Freddie Mac to Use ARRC Recommended Fallback Language for Single-Family Adjustable Rate Mortgages](https://freddiemac.gcs-web.com/static-files/fadeef26-762e-485b-b796-55cfca87e544) (11/15/2019) +- ARRC News Release: [ARRC Welcomes Fannie Mae and Freddie Mac’s Decision to Use ARRC Recommended Fallback Language in New Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC_Fannie_Freddie_Press_Release.pdf) (11/15/2019) +## Papers + +- ARRC Paper: [Options for Using SOFR in Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-SOFR-indexed-ARM-Whitepaper.pdf) (7/2019) +## Statements + +- [Statement from FHFA Director Sandra L. Thompson on Enterprise Replacement Rates for Legacy LIBOR-Indexed Products](/node/14046) (12/22/2022) +- [FHFA Statement in Support of the ARRC's White Paper on Transition to SOFR](/node/9106) (7/11/2019) +## Testimony + +- Testimony: [Daniel E. Coates, Senior Associate Director, FHFA, Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/node/10086) *"The End of LIBOR: Transitioning to an Alternative Interest Rate Calculation for Mortgages, Student Loans, Business Borrowing, and Other Financial Products"*(4/15/2021) +## Other + +- On December 16, 2022, the Federal Reserve Board issued its final rule implementing the Federal Adjustable Interest Rate (LIBOR) Act. The final rule identifies replacement indexes for covered legacy products, including products that are “FHFA-regulated entity contracts.” +[https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253) +- On March 15, 2022, Federal Adjustable Interest Rate (LIBOR) Act was signed into law. The legislation required the Federal Reserve Board to publish [regulations](https://www.congress.gov/117/plaws/publ103/PLAW-117publ103.pdf) identifying a Board-selected benchmark replacement that is based on SOFR and provides safe harbor for parties that select Board-recommended replacements for covered LIBOR contracts. +- FHFA Letter to House Committee on Financial Services and Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets: [FHFA's Views on H.R. 4616 - the Adjustable Interest Rate (LIBOR) Act of 2021](/sites/default/files/2023-08/FHFALetterofSupportFor4616-web.pdf)(7/28/2021) +- FHFA Letter to Federal Home Loan Banks: [Alternative Reference Rate Selection Risk Management​](/sites/default/files/2023-08/Alternative-Reference-Rate-Selection-Risk-Management-712021.pdf)(7/1/2021) +- ​FHFA Letter to Federal Home Loan Banks: [International Swaps and Derivatives Association 2020 IBOR Fallbacks Protocol​​](/sites/default/files/2023-03/isda-protocol-final.pdf)(10/21/2020)​ +- CFPB Blog: [​You might have heard that LIBOR is going away. Here's what you need to know about LIBOR and adjustable-rate loans](https://www.consumerfinance.gov/about-us/blog/libor-going-away-heres-what-you-need-know-about-libor-and-adjustable-rate-loans/) (10/17/2019) +- [ARRC Consultation Regarding More Robust LIBOR Fallback Contract Language for New Closed-End, Residential Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-ARM-consultation.pdf) (5/12/2019) +## Co​nta​ct + +[Daniel E. Coates](mailto:Daniel.Coates@fhfa.gov), Acting Chief of Staff and Chairman of the FHFA’s Reference Rate Transition Steering Committee +Phone: (202) 649-3280 Email: [Daniel.Coates@fhfa.gov](mailto:Daniel.Coates@fhfa.gov); [RRT@fhfa.gov](mailto:RRT@fhfa.gov) + +*Page last updated: December 6, 2023​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14036","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Language Access + + + + Policy + + # Language Access + + *** UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog.** + +**For more information: see**[**Mortgage Translations page**](/mortgage-translations)**.** + +​The Federal Housing Finance Agency's (FHFA) *2018 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions* required the Enterprises to support access to credit for mortgage-ready borrowers with limited English proficiency (LEP), including a multi-year language access plan. The [*Language Access Multi-Year Plan*](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (published May 2018) was developed by Fannie Mae and Freddie Mac in conjunction with FHFA based on research and testing conducted in 2017 (described below) to identify major obstacles for LEP borrowers in accessing mortgage credit and to analyze potential solutions. Key milestones include: + + - *Clearinghouse:*Create an [online clearinghouse](/mortgage-translations) to provide a centralized collection of resources to assist lenders, servicers, and housing counselors in serving LEP borrowers.**[The clearinghouse was launched in](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)[October 2018](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers). + - *Language Access Working Group:*Establish a language access working group as a forum for representatives from the housing industry and consumer organizations to provide FHFA and the Enterprises their insights, commentary, and experiences related to serving LEP borrowers. + - *Glossaries:*Develop [translated glossaries](/mortgage-translations/glossaries) that will play a foundational role for improving language access by establishing common terminology that will facilitate standardized translations for all other documents. + - *Disclosure:*Develop a [translated disclosure](/mortgage-translations/language-translation-disclosure) available for use by lenders and servicers to explain that mortgage transactions are likely to be conducted in English, and that identification of a preferred language by the borrower does not mean that lenders or servicers are able to provide, or agree to provide, communications in the preferred language. + - *Language Access Line:*Develop and implement a language access line that enables borrowers to obtain assistance from housing counselors and others in their preferred language. + + Image + + ![Language Access Multi-Year Plan May 2018 thumbnail](/sites/default/files/styles/large/public/2023-04/LEP-Multi-Year-Plan%20%281%29.png?itok=7V1KeNAI) + + [**View the Plan**](/sites/default/files/2023-03/lep-multi-year-plan.pdf) + + In addition, as part of Fannie Mae and Freddie Mac's URLA announcement in August 2019, a voluntary consumer information form (VCIF) was developed for lenders to collect preferred language information should they choose to do so. + + **2016 - 2017 Language Access Activities of FHFA and the Enterprises** + FHFA's [*2017 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions*](/sites/default/files/2023-03/2017-Scorecard-for-Fannie-Mae-Freddie-Mac-and-CSS.pdf) required the Enterprises to identify major obstacles for LEP borrowers in accessing mortgage credit, analyze potential solutions, and develop a multi-year plan to support improved access. + + As part of this research, in May 2017 FHFA requested [public input](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) on issues faced by LEP borrowers throughout the mortgage life cycle to better understand the experiences of these borrowers and the mortgage industry participants who serve them. FHFA and the Enterprises also conducted outreach to industry and consumer groups on these issues. + + The Enterprises conducted interviews and focus groups with borrowers whose primary language was not English and with lenders and servicers. These interviews and focus groups examined how limited English proficient borrowers engage in the mortgage process and how lenders and servicers engage with them. Each round of testing was conducted by Kleimann Communication Group on behalf of the Enterprises. Results from these interviews and focus groups are detailed in [Kleimann's April 2017 report](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf). + + #### Request for Input + + [Improving Language Access in Mortgage Lending and Servicing Request for Input](/sites/default/files/2023-03/language_access_rfi.pdf) + + - [Note: Input period closed September 1] + [View Input Submitted](/public-input) + + - [Select *Language Access* topic in the pull down.] + #### Links: + + [News Release: Mortgage Translations Online Clearinghouse Now Includes Vietnamese, Korean, and Tagalog Languages](/news/news-release/mortgage-translations-online-clearinghouse-now-includes-vietnamese-korean-and-tagalog-languages) (*9/30/2020*) + + [News Release: FHFA Makes Translated COVID-19 Resources Available in Six Languages on LEP Site](/news/news-release/fhfa-makes-translated-covid-19-resources-available-in-six-languages-on-lep-site) *(6/16/2020)* + + [Joint Announcement: Mortgage Translations Clearinghouse Now Includes Chinese and Spanish Language](/sites/default/files/2023-04/urla_ulad_announcement.pdf) (*10/23/2019*) + + [Joint Announcement: Mortgage Translations Clearinghouse 現提供中文及西班牙文資料;加入中文資料有助於業界人士及借貸人順利完成抵押貸款及購房流程](/sites/default/files/2023-04/2019-Chinese-LEP-Release10-23-19_translated.pdf) (2019 年 10 月 23 日訊） + + [Joint Announcement: URLA February 1, 2020 Mandate Rescheduled; New Requirements Provided](/sites/default/files/2023-04/urla_ulad_announcement.pdf)*(8/8/2019)* + + [News Release: Mortgage Translations Clearinghouse Launched to Help Borrowers with English Language Barriers](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)*(10/15/2018)* + + [Comunicado de Prensa: Se lanza el Centro de Traducciones Hipotecarias como ayuda para los prestatarios con barreras en usar el inglés](/news/news-release/se-lanza-el-centro-de-traducciones-hipotecarias-como-ayuda-para-los-prestatarios-con-barreras-en) *(10/15/2018)* + + [Video: Introducing Mortgage Translations](/news/videos/introducing-mortgage-translations)*(10/15/2018)* + + [Mortgage Translations: A New Clearinghouse to Support Limited English Proficient (LEP) Borrowers](/sites/default/files/2023-03/mt_flyer_10152018.pdf)*(10/15/2018)* + + [Blog: Mortgage Translations Clearinghouse Aims to Assist Homebuyers in Their Language​](/blog/insights/mortgage-translations-clearinghouse-aims-to-assist-homebuyers-in-their-language)*(10/4/2018)* + + *[Language Access Multi-Year Plan](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (5/10/2018)* + + [News Release: Preferred Language Question to be Added to the Redesigned Uniform Residential Loan Application](/news/news-release/preferred-language-question-to-be-added-to-the-redesigned-uniform-residential-loan-application)*(10/20/2017)* + + [Comunicado de Prensa: Pregunta sobre el lenguaje de preferencia será añadida a la solicitud rediseñada del Préstamo Hipotecario Residencial Uniforme](/news/news-release/pregunta-sobre-el-lenguaje-de-preferencia-sera-anadida-a-la-solicitud-redisenada-del-prestamo)*(10/20/2017)* + + [Preferred Language Question for the Uniform Residential Loan Application](/sites/default/files/2023-03/preferred_language_question.pdf)**(*10/20/2017)* + + [*Preferred Language Consumer Testing Briefing*(September 2017 Testing) - Conducted by Kleimann Communication Group](/sites/default/files/documents/URLA-Presentation-Preferred-Language-Testing-CA-NY_October-2017.pdf) (*10/20/2017)* + + [FHFA Reopens and Extends Deadline to September 1 on RFI to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-reopens-and-extends-deadline-to-september-1-on-rfi-to-improve-access-to-credit-for-qualified) *(8/4/2017)* + + [*Uniform Residential Loan Application (URLA) Round 7 Consumer Testing Briefing (July 2016) -*Conducted by Kleimann Communication Group](/sites/default/files/documents/Round-7-SanFran_7-29-16.pdf)*(8/4/2017)* + + [FHFA Extends Deadline to July 31 on Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-extends-deadline-to-july-31-on-request-for-input-to-improve-access-to-credit-for-qualified) *(6/29/2017)* + + [*Language Access for Limited English Proficiency Borrowers: Final Report* - Conducted by Kleimann Communication Group for Freddie Mac and Fannie Mae (April 2017)](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf) *(6/14/2017)* + + [FHFA Issues Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) *(5/25/2017)* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Mortgage Translations](/mortgage-translations) + - Language Translation Disclosure + + + + # Language Translation Disclosure + + FHFA, Fannie Mae, and Freddie Mac have created a Language Translation Disclosure for borrowers about language-related services for mortgage transactions. The Disclosure states that the loan transaction is likely to be conducted in English and that not all communications related to a mortgage transaction will be in the borrower's preferred language. It refers borrowers to the multi-lingual housing counseling services that may be available from HUD-approved housing counseling agencies. + +View the Disclosure in: + +- [English](/sites/default/files/2024-04/ENGLISH-DISCLOSURE.pdf) +- [Español (Spanish)](/sites/default/files/2024-04/SPANISH-DISCLOSURE.pdf) +- [中文 (Chinese)](/sites/default/files/2024-04/SPANISH-DISCLOSURE.pdf) +- [Tiếng Việt (Vietnamese)](/sites/default/files/2024-04/VIETNAMESE-DISCLOSURE.pdf) +- [한국어 (Korean)](/sites/default/files/2024-04/KOREAN-DISCLOSURE.pdf) +- [Tagalog (Filipino)](/sites/default/files/2024-04/TAGALOG-DISCLOSURE.pdf) + + +Lenders, servicers, housing counseling agencies, and other parties may customize the disclosure with their own logo and formatting. To customize disclosures, click here: [Language Translation Disclosure templates](/mortgage-translations/document/language-translation-disclosure)​. + + + +​**ENGLISH LANGUAGE TRANSLATION DISCLOSURE** +**Notice to Borrowers about Language** + +**_____________________________________________________________________________________** + +**Your mortgage loan transaction is likely to be conducted in English.**The information you receive and the official documents you will sign will likely be in English. + +**We want you to understand the transaction. Translations may be available to complement the English language documents.**These documents are to help you understand the transaction. Your lender or servicer may not be able to provide you with translation services or translated documents. + +**Language assistance and resources may also be available through housing counseling agencies**approved by the U.S. Department of Housing and Urban Development (HUD). You can find a list of HUD-approved housing counseling agencies at [www.hud.gov/counseling](http://www.hud.gov/counseling). + +- Select "hou​sing counseling agency" near you, then select your state. +- To locate housing counseling agencies in your area that speak your language, select "Click here to narrow your search" and select a language. +- Or, call HUD at 800-569-4287 for help in finding a counselor. +Information about housing counselors is also available at [www.consumerfinance.gov/find-a-housing-counselor](http://www.consumerfinance.gov/find-a-housing-counselor). + +*​**LEGAL DISCLAIMER*** +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Legal Documents & Suspensions + + - ## Litigation + + Compilation of documents related to litigation involving the Federal Housing Finance Agency (FHFA), the Office of Federal Housing Enterprise Oversight... + + [Read more](/supervision/legal-documents/litigation) + + - ## FHFA Orders + + Cumulative list of FHFA legally binding orders that mandate action by a regulated entity. + + [Read more](/supervision/legal-documents/fhfa-orders) + + - ## Agreements + + List of settlement agreements from 2016 between FHFA and individuals from the Federal Home Loan Bank of Dallas, Texas. The terms of these agreements eliminated the need for administrative proceedings by FHFA. + + [Read more](/supervision/legal-documents/agreements) + + - ## Opinions + + Collection of written statements (1990-2005) advising on interpretations of law, regulation, or policy. + + [Read more](/supervision/legal-documents/opinions) + + - ## Regulatory Interpretations + + Compilation of agency guidance (1998 - Present) concerning the application of a statute or regulation to a particular supervisory issue; not legally binding but entitled to judicial deference. + + [Read more](/supervision/legal-documents/regulatory-interpretations) + + - ## Suspensions + + Directory of individuals or entities currently suspended under the Suspended Counterparty Program. + + FHFA established the **[Suspended Counterparty Program](/regulation/suspended-counterparty-program)​** to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.​ + + [Read more](/regulation/suspended-counterparty-program) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1001","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - Loss Mitigation + + + + Program + + # Loss Mitigation + + ## Help for Homeowners Affected by Natural Disasters + +FHFA, Fannie Mae, and Freddie Mac have come together to get the word out about mortgage relief options for those affected by natural disasters. Our goal is to make sure you have time to focus on your safety. Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement. + +[Learn about options](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) available for homeowners affected by natural disasters. + +## Servicing Alignment Initiative + +FHFA, jointly with the Enterprises, announced the Servicing Alignment Initiative (SAI) in 2011. The objective of SAI was to develop consistent servicing policies that would help servicers to do a better job of resolving delinquencies in a consistent, efficient, and expeditious manner with the goal of keeping struggling borrowers in their homes whenever possible while minimizing losses to the Enterprises and taxpayers. Under SAI, the Enterprises developed a broad suite of aligned loss mitigation programs that streamline the delivery of loss mitigation solutions to borrowers. The success of these efforts is tracked in FHFA's quarterly [Foreclosure Prevention Report](/reports/foreclosure-prevention-report) which documents the Enterprises’ performance in foreclosure prevention actions for borrowers. The loss mitigation solutions outlined in the reports are currently being re-evaluated and redesigned to address a more stable economic environment. + +## Current Suite of Loss Mitigation Programs: + +The suite of programs detailed below encompasses the core loss mitigation programs currently offered by the Enterprises for borrowers facing financial hardships. This is not meant to be a comprehensive list of every program an Enterprise may offer. The loss mitigation programs listed are solely for Enterprise loans, and different loan options are available for government insured loans (e.g., FHA-insured loans) or for loans that are not owned or guaranteed by the Enterprises. Not all borrowers will be eligible for a particular program, and other terms or conditions may apply. + +### Repayment Plans + +In a repayment plan, past due amounts are added on to the borrower’s mortgage payment to be repaid over several months in order to bring the mortgage current. Repayment plans allow a borrower time to catch up on late payments without having to come up with a lump sum. + +### Forbearance Plans + +Forbearance plans allow a borrower to make reduced mortgage payments or no mortgage payments for a specific period of time. Forbearance may be granted for borrowers in temporary or short-term financial difficulty. At the conclusion of the forbearance period the borrower is required to pay any missed payments or amounts, which is generally achieved with a repayment plan or loan modification. + +### Payment Deferral + +A payment deferral allows a borrower to keep the same monthly payment by moving past-due amounts to the end of the loan as a non-interest bearing balance, due and payable at maturity, sale, refinance, or payoff. Missed tax and insurance payments (escrow payments), may affect the total monthly payment. + +### ​Flex Modification + +In 2016, FHFA required the Enterprises to develop an aligned post-crisis loan modification program that built on lessons learned from the crisis-era modification programs. The aligned effort resulted in the Flex Modification, announced in [December 2016​](/news/statement/statement-of-fhfa-deputy-director-sandra-thompson-on-new-loan-modification-offering-for-delinquent).Flex Modification replaced Standard and Streamlined Modifications. Servicers were required to implement Flex Modification by October 1, 2017. For borrowers who qualify, the new loan terms available under a Flex Modification are determined based on the following steps: + +- Capitalize arrearages (such as missed payments) +- Reduction of interest rate to the lesser of the current modification rate or the borrower's rate, for borrowers with mark-to-market loan-to-value (MTMLTV) above or equal to 80% (MTMLTV takes the remaining principal balance, divided by the current home value) +- Term extension to 40 years from the modification date +- Forbear principal if needed to reduce the MTMLTV to 100%, with a maximum forbearance of 30% of the post modification unpaid principal balance (UPB) +- For borrowers who are less than 90 days past due, if the borrower has not achieved a 20% payment reduction and 40% Housing expense-to-Income Ratio (HTI), forbear additional principal until those targets are met, down to 80% MTMLTV, with a maximum of 30% of the post modification UPB +- For borrowers who are 90 days or more past due, Flex Mod provides additional forbearance for borrowers with MTMLTVs above 80% if needed to target a 20% payment reduction +Flex Modification may be offered to eligible borrowers who have submitted a complete application and are less than 90 days delinquent, or to eligible borrowers who have not submitted an application and are at least 90 days delinquent. + +### Short Sale + +Short Sale is a foreclosure alternative where a borrower sells the home for less than the balance remaining on the mortgage. The borrower sells the home and pays off a portion of the mortgage balance with the proceeds. The borrower may be required to pay off the remaining mortgage balance. A short sale allows a borrower to transition out of the home without going through foreclosure. In some cases, relocation assistance may be available. + +### Deed-in-Lieu + +Deed-in-Lieu is a foreclosure alternative where a borrower voluntarily transfers the ownership of the property to the owner of the mortgage in exchange for a release from the mortgage loan and payments. The borrower may be required to pay off the remaining mortgage balance if the value of the property is lower than the amount owed. A deed-in-lieu allows the borrower to transition out of the home without going through foreclosure. In some cases, borrowers may be eligible for relocation assistance. + +## Guiding Principles for Loss Mitigation + +On July 25, 2016 FHFA, the U.S. Department of the Treasury, and the U.S. Department of Housing and Urban Development (HUD) issued a joint white paper entitled, [Guiding Principles for the Future of Loss Mitigation: How the Lessons Learned from the Financial Crisis can Influence the Path Forward](https://www.treasury.gov/press-center/press-releases/Documents/guiding-principles-future-of-loss-mitigation.pdf). The white paper details five key principles for the future of loss mitigation. The key principles set forth in the white paper are: + +**Accessibility**: Providing a simple process for homeowners to seek assistance. + +**Affordability**: Providing modification terms that result in meaningful payment relief. + +**Sustainability**: Offering solutions that resolve the delinquency for the long-term. + +**Transparency**: Ensuring that the process is clear and understandable. + +**Accountability**: Ensuring that there is an appropriate level of oversight. + +In 2016, the Enterprises developed the Flex Modification, which is described above, with these key principles in mind. + +## [Retired Loss Mitigation Solutions](/programs/retired-loss-mitigation-solutions) + + + +*Page Last Updated: November 1, ​2023​​​​​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12271","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Market Data + + + + # Market Data + + ## Residential Mortgage Debt Outstanding—Enterprise Share, 1990 – 2010 + + Total mortgages held or securitized by Fannie Mae and Freddie Mac as a Percentage of Residential Mortgage Debt Outstanding, 1990 – 2010. + + Note: Currently, FHFA does not have any plans to update this dataset through more recent periods. + + ## Single-Family Mortgages Originated and Outstanding, 1990 – 2011 Q2 + + Statistics for conventional and government-insured or -guaranteed loans and, within each of those sectors, for fixed-rate and adjustable-rate mortgages. Conventional loans are also divided into jumbo and non-jumbo loans. + + Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.​ + + ## Datasets + + **Description** **Format** Enterprise Share of Residential Mortgage Debt Outstanding 1990 – 2010 [[XLS]](/sites/default/files/Enterprise_Share_of_Residential_Mortgage_Debt_Outstanding_1990_-_2010.xls) Single-Family Mortgage Originations, 1990 – 2011 Q2 [[XLS]](/sites/default/files/SF_Mortgage_Originations_1990-2011Q2.xls) Single-Family Mortgages Outstanding, 1990 – 2011 Q2 [revised 11/2/11] [[XLS]](/sites/default/files/SFMortgagesOutstanding1990to2011Q2rev1122011.xls) ## Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities + + Data on activities by the Department of the Treasury and the Federal Reserve System to support mortgage markets through purchases of securities issued by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and by Ginnie Mae, a federal agency that guarantees securities backed by mortgages insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs, and other federal agencies. More details are available on the [Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities](/node/16956) page. + + *​Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/651","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Market Risk Scenarios + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - [Federal Home Loan Bank Stress Tests For Market And Credit Risk](/data/fhlb-stress-tests) + - Market Risk Scenarios + + + + ## FHFA Methodology for Determining Market Risk Scenarios + +The FHFA methodology to construct a historically-based shock for a given interest rate is to measure the absolute change at each term point on the corresponding yield curve over a six-month horizon, and then impose that absolute change on the current measure of that yield curve. However, because the current rate environment may differ significantly from the historical rate environment, imposing the historical shock on the current rate can result in a shock scenario that is implausible. Implausible shock scenarios include any that contain negative values for interest rates, and those where the resulting spread between any two different interest rates is inconsistent with the historically observed spread. + +To ensure that the resulting shock scenarios are plausible, FHFA uses a technique known as parsimonious factorization to represent each yield curve as a five-factor equation, and then applies measures of the shock made in parameter space to the current yield curve parameters to construct a shocked yield curve. This approach facilitates a straightforward means to impose a set of plausibility constraints on interest rate shocks. + +The FHFA scenarios contain term point shocks to SOFR, OIS, Treasury, and Federal Home Loan Bank System Cost of Funds yield curves. Banks that must involve other miscellaneous rates to estimate portfolio value may determine shocked values for those rates by applying a constant measure of the current yield curve spread between the miscellaneous rate and any one of the four rates that FHFA provides. A shocked miscellaneous yield curve can then be derived by applying the constant measure of spread to the shocked version of the selected FHFA provided yield curve. + +The FHFA scenarios also contain shocks to implied volatility and Agency option-adjusted spreads (OAS). Implied volatility shocks are provided for at-the-money (ATM) swaptions, and in- and out-of-the-money caps in the form of level shifts to the volatility surface. These level shifts are estimated based upon the long-term, reduced form relationship between changes in the level of the implied volatility surface and changes in the term structure of interest rates. Agency OAS shocks are provided for both SOFR and Treasury discounted OAS. These OAS shocks are estimated based upon the long-term, reduced form relationship between changes in Agency OAS and changes in the term structure of interest rates. + +For a more detailed description of the methodology, see the working papers listed below. Questions or comments can be sent to [FHLBmarketshocks@FHFA.gov](mailto:FHLBmarketshocks@FHFA.gov). + +***All scenarios posted prior to 2020 are intended for testing purposes only.*** + +*Please note that only the quarter-end monthly scenarios are applicable for reporting risk-based-capital requirements. The off-quarter-end monthly scenarios are being provided at this time for testing and monitoring purposes, and may not be subject to the same degree of validation as the quarter-end scenarios.* + +**Description** **Format** Term point shocks to SOFR, OIS, Treasury, and FHLBank COF interest rate curves [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/interest-rate-shocks) Level shocks to the ATM swaption and cap volatility surfaces [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/additive-shocks) Shocks to SOFR and Treasury discounted OAS for Agency securities [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/agency-oas-shocks) PolyPaths ready file containing interest rate, implied volatility, and OAS shocks [​[XLSX and CSV Files]](/data/fhlb-stress-tests/market-risk-scenarios/polypath-shocks) + +## Assumptions and Directions Page + +A number of key assumptions and application directions are required in constructing the market risk scenarios and applying the shocks to the portfolio. They are described on the [Assumptions and Directions Page](/data/market-risk-scenarios/assumption-and-directions), which will be updated as appropriate. + +Last Update of the [Assumptions Details and Application Directions Page](/data/market-risk-scenarios/assumption-and-directions): 5/29/2018 + + + +## Working Papers + +[WP 13-2: Generating Historically-Based Stress Scenarios Using Parsimonious Factorization](/research/papers/wp1302) + +[WP 15-3: Additional Market Risk Shocks: Prepayment Uncertainty and Option-Adjusted Spreads](/research/papers/wp1503) + + + +*Page last updated: 7/17/2023* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16951","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Video + + August 27, 2024 + + ## [FHFA House Price Index for 2024 Q2](/news/videos/fhfa-house-price-index-2024-q2) + + ![Preview image for the video "FHFA House Price Index for 2024 Q2".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + August 6, 2024 + + ## [2024 Duty to Serve Listening Session: Rural Housing](/news/videos/2024-duty-to-serve-listening-session-rural-housing) + + ![Preview image for the video "2024 Duty to Serve Listening Session: Rural Housing".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + August 6, 2024 + + ## [2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing) + + ![Preview image for the video "2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + August 6, 2024 + + ## [2024 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation) + + ![Preview image for the video "2024 Duty to Serve Listening Session: Affordable Housing Preservation".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + July 3, 2024 + + ## [FHLBank and CDFI Symposium](/news/videos/fhlbank-and-cdfi-symposium) + + ![Preview image for the video "FHLBank and CDFI Symposium".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + May 28, 2024 + + ## [FHFA House Price Index 2024 Q1](/news/videos/fhfa-house-price-index-2024-q1) + + ![Preview image for the video "FHFA House Price Index 2024 Q1".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + February 27, 2024 + + ## [FHFA House Price Index 2023 Q4](/news/videos/fhfa-house-price-index-2023-q4) + + ![Preview image for the video "FHFA House Price Index 2023 Q4".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + November 28, 2023 + + ## [FHFA House Price Index 2023 Q3](/news/videos/fhfa-house-price-index-2023-q3) + + ![Preview image for the video "FHFA House Price Index 2023 Q3".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + August 29, 2023 + + ## [FHFA House Price Index 2023 Q2](/news/videos/fhfa-house-price-index-2023-q2) + + ![Preview image for the video "FHFA House Price Index 2023 Q2".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + July 24, 2023 + + ## [2023 Duty to Serve Listening Session: Rural Housing](/news/videos/2023-duty-to-serve-listening-session-rural-housing) + + ![Preview image for the video "2023 Duty to Serve Listening Session: Rural Housing".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + July 24, 2023 + + ## [2023 Duty to Serve Listening Session: Manufactured Housing](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing) + + ![Preview image for the video "2023 Duty to Serve Listening Session: Manufactured Housing".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + July 24, 2023 + + ## [2023 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation) + + ![Preview image for the video "2023 Duty to Serve Listening Session: Affordable Housing Preservation".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + July 3, 2023 + + ## [FHFA Working Paper Series: The Value of Intermediaries for GSE Loans](/news/videos/the-value-of-intermediaries-for-gse-loans) + + ![Preview image for the video "FHFA Working Paper Series: The Value of Intermediaries for GSE Loans".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + May 30, 2023 + + ## [FHFA House Price Index 2023 Q1](/news/videos/fhfa-house-price-index-2023-q1) + + ![Preview image for the video "FHFA House Price Index 2023 Q1".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + April 10, 2023 + + ## [FHLBank System at 100: Wrap-Up Public Listening Session Day 3](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3) + + ![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 3".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + April 10, 2023 + + ## [FHLBank System at 100: Wrap-Up Public Listening Session Day 2](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2) + + ![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 2".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + April 10, 2023 + + ## [FHLBank System at 100: Wrap-Up Public Listening Session Day 1](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1) + + ![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 1".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + March 21, 2023 + + ## [FHLBank System at 100: Boston, MA Regional Roundtable](/news/videos/fhlbank-system-at-100-boston-ma-regional-roundtable) + + ![Preview image for the video "FHLBank System at 100: Boston, MA Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + March 21, 2023 + + ## [FHLBank System at 100: San Juan, PR Regional Roundtable](/news/videos/fhlbank-system-at-100-san-juan-pr-regional-roundtable) + + ![Preview image for the video "FHLBank System at 100: San Juan, PR Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + March 21, 2023 + + ## [FHLBank System at 100: Alaska Regional Roundtable](/news/videos/fhlbank-system-at-100-alaska-regional-roundtable) + + ![Preview image for the video "FHLBank System at 100: Alaska Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + March 21, 2023 + + ## [FHLBank System at 100: Hawaii and American Samoa Regional Roundtable](/news/videos/fhlbank-system-at-100-hawaii-and-american-samoa-regional-roundtable) + + ![Preview image for the video "FHLBank System at 100: Hawaii and American Samoa Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + + March 21, 2023 + + ## [FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable](/news/videos/fhlbank-system-at-100-guam-and-northern-mariana-islands-regional-roundtable) + + ![Preview image for the video "FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Mortgage Servicing + + + + Policy + + # Mortgage Servicing + + Since 2008, FHFA has worked with Fannie Mae and Freddie Mac (the Enterprises) to develop and implement a variety of programs and initiatives to address challenges in the servicing market. FHFA and the Enterprises have worked to align servicers' loss mitigation tools, promote servicing market liquidity and efficiency, and create stronger counterparty financial requirements. + + While the surge in mortgage delinquencies has a​bated since 2008, the post-crisis mortgage environment is still evolving. This evolution is particularly evident in the area of mortgage loan servicing, as costs to service delinquent loans, heightened regulatory oversight, and an increased reliance on technology continue to impact this fun​damental component of the housing finance industry. New entrants have further transformed the landscape, with non-depository servicers poised to provide needed capacity in place of traditional servicers. + + ## Servicing Initiatives + + FHFA has worked with the Enterprises to develop and implement a number of initiatives. Each initiative reflects FHFA's commitment to supporting a mortgage servicing market that is profitable, sustainable, and liquid. These efforts include a servicing market survey, servicer financial standards development, policy alignment by Fannie Mae and Freddie Mac, and servicer compensation research. + + - [FHFA Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Servicers](/news/news-release/fhfa-and-ginnie-mae-announce-updated-minimum-financial-eligibility-requirements-for-enterprise). The updated requirements incorporate lessons learned from market events in reaction to the global COVID-19 pandemic, as well as industry feedback on the re-proposed requirements that were publicly released in February 2022. + - FHFA, Fannie Mae, and Freddie Mac created new loss mitigation solutions and servicing flexibilities to assist borrowers impacted by the COVID-19 Pandemic. Fannie Mae and Freddie Mac retired these programs with the end of the National Emergency Declaration, but many similar flexibilities are still available for borrowers. In March 2023, FHFA announced Enhanced Payment Deferral policies to create additional home retention opportunities. For information for borrowers struggling to make their mortgage payments, please see the [Mortgage Assistance Page](/homeowners-and-homebuyers/mortgage-assistance). + - In 2019, FHFA, Fannie Mae, and Freddie Mac evaluated the current liquidity requirements for non-depository Seller/Servicer counterparties which led to the [Proposed Minimum Financial Eligibility Requirements](/document/servicer-eligibility-faqs-1302020) that were posted to the FHFA website in January 2020. Previously, in 2015 FHFA issued updated [eligibility requirements for Enterprise seller/servicers](/policy/requirements-enterprise-sellerservices). The [Servicing Alignment Initiative (SAI)](/programs/loss-mitigation), announced in 2011, required Fannie Mae and Freddie Mac to align [loss mitigation programs](/programs/loss-mitigation) allowing servicers to uniformly implement loss mitigation policies. SAI enabled Fannie Mae and Freddie Mac to develop and implement consistent servicing policies that have increased servicer efficiencies in resolving delinquencies. + - FHFA published a [white paper](/research/papers/discussion-paper-alternative-mortgage-servicing-compensation) in 2011 exploring alternatives for a [new mortgage servicing compensation structure](/policy/alternative-mortgage-servicing-compensation-initiative). The issues raised at that time serve as a guide for continuing research into compensation. + ## Related Documents: + + [FHFA Announces Enhanced Payment Deferral Policies for Borrowers Facing Financial Hardship](/news/news-release/fhfa-announces-enhanced-payment-deferral-policies-for-borrowers-facing-financial-hardship) (3/29/2023) + + [Fact Sheet: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/Fact-Sheet-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022) + + [FAQs: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/FAQs-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022) + + [​FHFA/GNMA Comparison: Side-by-Side Comparison of Enterprise and GNMA Requirements](/sites/default/files/2023-05/FHFA-Ginnie-Mae-Eligibility-Requirements-Comparison-Tables.pdf) (8/17/2022) + + ​[FHFA Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/10521)​ (2/24/2022) + + [Description and FAQs: Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/documents/SE2-Proposal-FAQ.pdf)​ (2/24/2022) + + [FHFA Encourages Landlords of Enterprise-Backed Properties to Apply for Emergency Rental Assistance Before Evicting Tenants](/node/10266) (7/30/2021) + + [FHFA and CFPB Announce Borrower Protection Program](/node/9546) (4/15/2020) + + [FHFA Proposes Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/9421) (1/31/2020) + + [FAQs: Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/2023-03/servicer-eligibility-faqs-1302020.pdf) (1/31/2020) + + [Fannie Mae and Freddie Mac Joint Servicing Market Survey Executive Summary (April 2018)](/sites/default/files/2023-05/ExecSummary4252018.pdf) + + [Fannie Mae and Freddie Mac Joint Servicing Market Survey Results (April 2018)](/sites/default/files/2023-03/marketanalysissummaryoffindings_4252018.pdf) + + [Requirements for Enterprise Seller/Servicers](/node/13116) [page] + + [Alternative Mortgage Servicing Compensation Initiative](/node/12831) [page] + + [Loss Mitigation Programs](/node/12271) [page] + + + + ## Archived: + + [Secretaries of USDA, HUD, VA, Treasury, and FHFA Acting Director Release Joint Statement on Agency Actions to Prevent Evictions](/node/10256) (7/30/2021) + + [FHFA Extends COVID-19 REO Eviction Moratorium Through September 30, 2021](/node/10261) (7/30/2021) + + [FHFA Expands Use of Interest Rate Reduction to Help Borrowers with a Covid-19 Hardship Reduce their Monthly Mortgage Payment](/node/10216) (6/30/2021) + + [FHFA Protects Borrowers After COVID-19 Foreclosure and REO Eviction Moratoriums End](/node/10206) (6/29/2021) + + [FHFA Extends COVID-19 Foreclosure and REO Eviction Moratoriums](/node/10186) (6/24 /2021) + + ​[FHFA Announces Extension of COVID-Related Loan Flexibilities](/node/10076) (4/21/2021) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/10056) (3/11/2021) + + [FHFA Extends COVID-19 Multifamily Forbearance through June 30, 2021](/node/10051) (3/4/2021) + + [FHFA Extends COVID-19 Forbearance Period and Foreclosure and REO Eviction Moratoriums](/node/10041) (2/25/2021) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/10026) (2/10/2021) + + [FHFA Extends Foreclosure and REO Eviction Moratoriums and COVID Forbearance Period](/node/10021) (2/9/2021) + + [FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/10006) (1/19/2021) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/9991) (1/14/2021) + + [FHFA Extends COVID-19 Multifamily Forbearance Through March 31, 2021](/node/9966) (12/23/2020) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/9936) (12/10/2020) + + [FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/9921) (12/2/2020) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/9876) (11/13/2020) + + [Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9871)(11/12/2020) + + [Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9841)(10/21/2020) + + [FHFA Further Extends COVID-Related Loan Flexibilities](/node/9821)(10/19/2020) + + [FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/news/news-release/fhfa-further-extends-buying-loans-in-forbearance-covid-related-loan-processing-flexibilities-0) (9/24/2020) + + [FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/node/9766)(8/26/2020) + + [FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through August](/node/9716) (7/9/2020) + + [FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691)(6/17/2020) + + [FHFA Makes Translated COVID-19 Resources Available in Six Languages; COVID-19 Servicing Scripts and Mortgage Assistance Application translations now available](/node/9681) (6/16/2020) + + [FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through July](/node/9671)(6/11/2020) + + [FHFA Announces Refinance and Home Purchase Eligibility for Borrowers in Forbearance](/node/9611) (5/19/2020) + + [FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691) (5/14/2020) + + [Enterprises to Offer Payment Deferral as a New Repayment Option for Homeowners in COVID-19 Forbearance Plans](/node/9601)(5/13/2020) + + [CFPB, FHFA, & HUD Launch Joint Mortgage and Housing Assistance Website for Americans Impacted by COVID-19](/news/news-release/cfpb-fhfa-hud-launch-joint-mortgage-and-housing-assistance-website-for-americans-impacted-by-covid) (5/12/2020) + + [FHFA Extends Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers](/node/9591) (5/5/2020) + + ["No Lump Sum Required at the End of Forbearance" says FHFA's Calabria](/node/9576) (4/27/2020) + + [FHFA Announces that Enterprises will Purchase Qualified Loans in Forbearance to Keep Lending Flowing](/node/9561) (4/22/2020) + + [FHFA Suspends Foreclosures and Evictions for Enterprises During National Emergency](/node/9501) (3/18/2020) + + [Statement from FHFA Director Mark Calabria on Coronavirus](/node/9491) (3/10/2020)​ + + + + *Page Last Updated: November 1, 2023​​​​​* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13621","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Created by FHFA, Fannie Mae, and Freddie Mac in collaboration with industry, consumer, and government partners, the Mortgage Translations clearinghouse contains resources such as translated documents, borrower education materials, a standardized glossary of mortgage terms, and more. + +The site contains documents and resources in English, Spanish, traditional Chinese, Vietnamese, Korean, and Tagalog. See the [Language Access Multi-Year Plan](/document/lep-multi-year-plan) (published May 2018) and the [Language Access Policy Page](/policy/language-access)​ for more details.​​​​ + + - Image + + ![Documents icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/documents.png?h=a7ffc51c&itok=-HpjBhOq) + + [Search or Browse Documents](/node/20006) + + - Image + + ![Language translations Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/language.png?h=a7ffc51c&itok=OHSTzazV) + + [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + + - Image + + ![Home info icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/house.png?h=a7ffc51c&itok=XEUASTMu) + + [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + + - Image + + ![Covid Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/covid-19.png?h=a7ffc51c&itok=nzR8Mlui) + + [Covid-19 Resources](/mortgage-translations/covid-19-resources) + + - Image + + ![Headset Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/interpreter.png?h=a7ffc51c&itok=ip1IB9GY) + + [Interpretive Services](/mortgage-translations/interpretive-services) + + > *[Iframe content not accessible: https://www.youtube.com/embed/jZzHk9adBAM]* + + + + * UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog. ​ + + ## Frequently Used Mortgage Documents + + - ## Uniform Residential Loan Application + + (Fannie Mae 1003/Freddie Mac 065) + + Image + + ![Uniform Residential Loan Application](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/images-import/1003si_Page_1.jpg?h=99b43513&itok=QWJ0EGbp) + + [View application here](/mortgage-translations/document/uniform-residential-loan-application) + + - ## Mortgage Assistance Application + + (Fannie Mae/Freddie Mac Form 710) + + Image + + ![Mortgage Assistance Application thumbnail](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2023-10/710s_cover2_0.png?h=8e78e471&itok=sAk37djg) + + [View application here](/mortgage-translations/document/mortgage-assistance-application) + + - ## Your Step-by-Step Mortgage Guide + + (Freddie Mac Publication 853) + + Image + + ![step by step mortgage guide](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2023-10/yourstepbystepmortgageguide.jpg?h=ca20dc95&itok=Kayji1j6) + + [View guide here](/mortgage-translations/document/step-by-step-mortgage-guide-from-application-to-closing) + + Image + + ![fhfa logo](/sites/default/files/styles/large/public/2023-06/FHFA_Seal_Solid_Blue.png?itok=JGHHqx-l) + + + + In + Coordination + With + + Image + + ![fannie mae logo](/sites/default/files/styles/large/public/2023-06/fanniemae.png?itok=N_5fTTiu) + + Image + + ![Freddie Mac logo with the words "We make home possible"](/sites/default/files/styles/large/public/2024-04/FreddieMacLogo.png?itok=rWJjhozD) + + *​**LEGAL DISCLAIMER*** + +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - National Mortgage Database Program + + + + Program + + # National Mortgage Database Program + + Image + + ![NMDB, CFPB, FHFA logo](/sites/default/files/styles/landscape_medium_408_x_228_/public/2024-10/NMDB-Hero.png?itok=1z7XZJRN) + + ### Introduction + +The National Mortgage Database (NMDB®) [[1]](#_ftn1) program is jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB). This program is designed to provide a rich source of information about the U.S. mortgage market. It has three primary components: + +- the [National Mortgage Database](#NMDB) (NMDB), +- the quarterly [National Survey of Mortgage Originations](#NSMO) (NSMO),[[2]](#_ftn2) +- the annual [American Survey of Mortgage Borrowers](#ASMB) (ASMB).[[3]](#_ftn3) +### Purpose + +The NMDB program enables FHFA to meet the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, to conduct a monthly mortgage market survey. Specifically, FHFA must, through a survey of the mortgage market, collect data on the characteristics of individual mortgages, including those eligible for purchase by Fannie Mae and Freddie Mac and those that are not, and including subprime and nontraditional mortgages. In addition, FHFA must collect information on the creditworthiness of borrowers, including a determination of whether subprime and nontraditional borrowers would have qualified for prime lending. [[4]](#_ftn4) + +For CFPB, the NMDB program supports policymaking and research efforts and helps identify and understand emerging mortgage and housing market trends. CFPB uses the NMDB, among other purposes, in support of the market monitoring called for by the Dodd-Frank Wall Street Reform and Consumer Protection Act, including understanding how mortgage debt affects consumers and for retrospective rule review required by the statute. + +### Safeguards + +No information on borrower names, addresses, Social Security numbers, or dates of birth is ever used or stored by FHFA or CFPB as part of the NMDB program. Furthermore, safeguards are in place to ensure that information in the database is not used to identify individual borrowers or lenders and is handled in full accordance with federal privacy laws and the Fair Credit Reporting Act (FCRA). + +--- + +## National Mortgage Database + +### Introduction + +The National Mortgage Database (NMDB) is the first component of the National Mortgage Database program. NMDB is updated quarterly for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. + +### Purpose + +The purpose of NMDB is to inform and educate FHFA, CFPB and other federal agencies about lending products and mortgage market health. The database is comprehensive, and there are many possibilities for how it may be used. Some examples include: + +- **Studying the subprime mortgage crisis:** Because the data goes back to 1998, the database can be used to assess possible causes of the 2008 subprime mortgage crisis. +- **Monitoring new and emerging products in the mortgage market:** The database allows agencies to monitor volume and performance of products in the mortgage market and help regulators identify potential problems or new risks. +- **Monitoring the relative health of mortgage markets and consumers:** The database provides detailed mortgage loan performance information including whether payments are made on-time, as well as information regarding loan modifications, foreclosures, and bankruptcies. This can help policy makers better understand how various products are being used and how they are performing. +- **Evaluating loss mitigation, borrower counseling, and loan modification programs:** The database can be used to evaluate the efficacy and potential impact of counseling programs. +- **Monitoring affordable lending:** Since the database is updated quarterly, it provides information on mortgage access and mortgage terms for low-income borrowers and communities faster than data required by the Home Mortgage Disclosure Act, or HMDA. Currently, HMDA data does not become available until the year following origination. +- **Performing stress tests and prepayment/default modeling:** The database can be used by policy makers, researchers, and regulators to improve prepayment and default modeling and to implement stress-test scenarios for the entire national mortgage market. +### Description + +The NMDB assembles credit, administrative, servicing, and property data for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. The database includes the following information: + +- mortgage performance from origination to termination; +- mortgage terms; +- property value and characteristics; +- type and purpose of the mortgage product; +- sale in the secondary mortgage market; and +- credit-related information on all mortgage cosigners, including second liens, other past and present mortgages, and credit scores from one year before origination to one year after termination. +### Related Docum​ents + +[Privacy Impact Assessment](/document/nmdb-pia.pdf) (11/8/2023) + +[Notice of Revision to an Existing System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2016-n-13) (12/28/2016) + +[Revised System of Records-National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2015-n-07) (8/28/2015) + +[FHFA Update About the National Mortgage Database](/sites/default/files/2023-03/nmdb_update_08012014.pdf) (8/1/2014) + +[System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2014-n-03) (4/16/2014) + +[Privacy Impact Assessment](/sites/default/files/documents/NMDB%20PIA%20Version%202%20-%2011062013.pdf) (11/6/2013) + +[Notice of Proposed Establishment of New System of Records](/regulation/federal-register/privacy-act-system-of-records-notice/2012-n-18) (12/10/2012) + +[Privacy Impact Assessment](/sites/default/files/2023-03/nmdb_pia_2012_redacted_508.pdf) (9/17/2012) + +--- + +## National Survey of Mortgage Originations + +Image + + ![National Mortgage Database](/sites/default/files/styles/large/public/images-import/NMDB1.JPG?itok=H4RxmvHa) + + ### Introduction + +The National Survey of Mortgage Originations (NSMO) is the second component of the [National Mortgage Database program](/programs/nmdb). The NSMO is conducted quarterly and is jointly sponsored by the Federal Housing Finance Agency (FHFA) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB). + +### Purpose + +The purpose of the NSMO is to collect voluntary feedback directly from mortgage borrowers about their experience obtaining a mortgage. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers’ experiences taking out a mortgage. The data will help shape policies in the future to better protect consumers. + +### For Survey Respondents + +If you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers. + +If you obtained a mortgage to purchase or refinance either a personal home or a home for someone else (such as a rental property), we would like to know more about your experience in obtaining that mortgage. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers. + +This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers. + +The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys. + +We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey. + +For those who have been selected to be a part of the survey, it can be completed online. Go to [www.NSMOsurvey.com](https://www.nsmosurvey.com/) and enter your personal PIN number that was included in the letter mailed to you. + +If you have any questions about this survey, please feel free to call us at 1-​855-531-0724. We look forward to hearing from you. + +### Current Survey Cover Letter and Questionnaire + +[Image + + ![NSMO 2024Q2 Cover Letter](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q2_Letter.png?itok=AAs0roIX)](/document/nsmo_2025q2_letter.pdf)[Survey Cover Letter](/document/nsmo_2025q2_letter.pdf) + +[Image + + ![FHFA NSMO Survey Questionnaire thumbnail](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q1_Questionnaire.png?itok=yhiFTS69)](/document/nsmo_2025q1_questionnaire.pdf)[Survey Qu​estionnaire](/document/nsmo_2025q1_questionnaire.pdf) + +### Related Documents + +[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-13) (8/30/2024) + +[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-8) (6/25/2024) + +[30-Day Notice of Submission of National Survey of Mortgage Originations (N​SMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2023-n-6) (4/14/2023) + +[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2022-n-15) (12/6/2022) + +[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2020-n-8) (4/3/2020) + +[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2019-n-8) (12/10/2019) + +[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-06) (9/13/2016) + +[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-16) (12/28/2016) + +[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-08) (30-Day Notice) (7/1/2013) + +[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-07) (60-Day Notice) (4/25/2013) + +--- + +## American Survey of Mortgage Borrowers + +### Introduction + +The American Survey of Mortgage Borrowers (ASMB) is the third component of the [National Mortgage Database program](#top). The ASMB is conducted annually and is jointly sponsored by the Federal Housing Finance Agency and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB). + +### Purpose + +The purpose of the ASMB is to collect voluntary feedback directly from mortgage borrowers about their experience with their mortgage and property. ASMB respondents are representative of the overall population of borrowers with a mortgage loan, including those who recently took out a loan and those who have had their loan for multiple years. The feedback collected by the ASMB includes information about a range of topics related to maintaining a mortgage and property, such as borrowers’ experiences with managing their mortgage, responding to financial stressors, insuring against risks, seeking assistance from federally-sponsored programs and other sources, and terminating a mortgage loan. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers' experiences maintaining a mortgage. The data will help shape policies in the future to better protect consumers. + +### For Survey Respondents + +If you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers. + +If you have or recently had a mortgage on a personal home or a home for someone else (such as a rental property), we would like to know more about your experiences with your mortgage and with property ownership. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers. + +This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers. + +The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys. + +We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey. + +For those who have been selected to be a part of the survey, it can be completed online. Go to [www.ASMBsurvey.com](https://www.asmbsurvey.com/) and enter your personal PIN number that was included in the letter mailed to you. + +If you have any questions about this survey, please feel free to call us at 855-339-7877. We look forward to hearing from you. + +### Current Survey Cover Letter + +[Image + + ![Thumbnail image of Survey Letter](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/ASMB_2023_Letter.png?itok=6YO4_O4V)](/sites/default/files/2024-09/ASMB_2024_Letter.pdf)[Survey Cover Letter](/sites/default/files/2024-09/ASMB_2024_Letter.pdf) + +### Related Documents + +[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-7) (6/25/2024) + +[60-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-3) (2/28/2024) + +[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2022-n-5) (5/19/2022) + +[60-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2021-n-15) (12/18/2021) + +[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Emergency Information Collection - Correction](/regulation/federal-register/pra-information-collection-notice/2020-n-14-0) (8/7/2020) + +[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Emergency Information Collection](/regulation/federal-register/pra-information-collection-notice/2020-n-14) (7/31/2020) + +[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-03) (3/24/2016) + +[60-Day Notice of Submission of National Survey of Existing Mortgage Borrowers (NSEMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2015-n-11) (11/10/2015) + +--- + +[[1]]() NMDB® and FHFA® are federally registered trademarks of the Federal Housing Finance Agency (FHFA Marks) and are subject to all applicable laws governing the use of trademarks. FHFA Marks may be used for educational, informational, non-promotional and non-commercial purposes. FHFA requires all third parties referring to FHFA Marks to do so in a manner that does not imply a relationship with the Federal Housing Finance Agency. Material in which FHFA Marks appear must acknowledge that the trademarks are federally registered trademarks of the Federal Housing Finance Agency. + +[[2]]() The National Survey of Mortgage Originations was originally called the National Survey of Mortgage Borrowers. The name of the survey was changed to avoid confusion with the American Survey of Mortgage Borrowers, effective May 9, 2016. + +[[3]]() The American Survey of Mortgage Borrowers was originally called the National Survey of Existing Mortgage Borrowers. The name of the survey was changed to avoid confusion with the National Survey of Mortgage Originations, effective March 24, 2016. + +[[4]]() FHFA interprets the NMDB program as a whole, including the NSMO, as the “survey” required by the Safety and Soundness Act. The statutory requirement is for a monthly survey. Core inputs to the NMDB, such as a regular refresh of credit-bureau data, occur monthly, though the NSMO is conducted quarterly.​​​​​​ + + + +*Pag​e last updated: December 30, 2025* + + - **Press Release** + +[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024) + +[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024) + +[F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (12/13/2022) + +[​F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (7/29/2021) + +[F​HFA ​Announces New and Expanded Statistical Products from the National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021) + +[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020) + +[FHFA Releases U.S. Mortgage Statistics from the National Mortgage Database](/news/news-release/fhfa-releases-u.s.-mortgage-statistics-from-the-national-mortgage-database) (12/12/2018) + +[FHFA and CFPB Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Data** + +[NMDB Aggregate Statistics](/data/nmdb) (12/30/2025) + +[NSMO Public Use File](/data/nsmo)(10/24/2025) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022) + +[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025) + +**FHFA Stats Blog** + +[Recent Changes in Mortgage-Related Housing Consumption Costs: Evidence from the National Mortgage Database](/blog/statistics/recent-changes-in-mortgage-related-housing-consumption-costs-evidence-from-the-national-mortgage) (7/16/2024) + +[Homeowners' Equity Remains High](/blog/statistics/homeowners-equity-remains-high) (8/31/2023) + +[What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?](/blog/statistics/what-types-of-mortgages-do-fannie-mae-and-freddie-mac-acquire) (4/14/2021) + +[Mortgage Performance During the COVID-19 Pandemic](/blog/statistics/mortgage-performance-during-the-covid-19-pandemic) (2/2/2021) + +**NMDB Staff Working Papers** + +[18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience](/research/papers/nmdb-wp1802) (3/14/2018) + +[18-01: Mortgage Experience of Rural Borrowers](/research/papers/nmdb-wp1801) (3/14/2018) + +**NSMO Symposium in Cityscape** + +[Link](https://www.huduser.gov/portal/periodicals/cityscpe/vol21num2/index.html) to *Cityscape* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![row of homes](/sites/default/files/styles/desktop_hero/public/2025-03/NMDB-hero.jpg.webp?itok=ZQfXHL5b) + + # National Mortgage Database (NMDB®) Aggregate Statistics + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - National Mortgage Database (NMDB®) Aggregate Statistics + + + + document.addEventListener("DOMContentLoaded", function () { const titleElement = document.querySelector('h1[data-component-id="fhfa:page-title"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '®'); } }); .main-content.usa-section { padding-top: 2rem!important; The [National Mortgage Database](/programs/nmdb) (NMDB®) is a nationally​​ representative five percent sample of residential mortgages in the United States. Publication ​of aggregate data from NMDB is a step toward implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The statute requires FHFA to conduct a monthly mortgage market survey to collect data on the characteristics of individual mortgages, both Enterprise and​ non-Enterprise, and to make the data a​vailable to the public while protecting the privacy of the borrowers.​ + +## ​Documentation + +[Data Dictionary and Technical Notes](/document/NMDB-Aggregate-Statistics-Data-Dictionary-Technical-Notes.pdf) (09/25/2025) + +[How to Convert CSV to Excel Pivot Table](/media/42416) (06/30/2023) + +[How to Import CSV Data into Tableau](/media/51511) (09/29/2023) + +## Dashboards + +The NMDB Aggregate Statistics Dashboards provide interactive data visualization tools for using the data published in the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables. + +NMDB Aggregate Statistics Dashboards Link Release Date New Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-new-residential-mortgage-statistics) 12/30/2025 Outstanding Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-outstanding-residential-mortgage-statistics) 12/30/2025 Residential Mortgage Performance Statistics [Dashboard](/data/dashboard/nmdb-residential-mortgage-performance-statistics) 12/30/2025 ## ​Datasets + +**Notes:** + +1) All CSV file headers are now standardized as described in the Data Dictionary and Technical Notes and all CSV files are zipped. + +2) Alternate wide format CSV files are available. The wide format may be more easily opened by MS Excel. + + + +**New Residential Mortgage Statistics** + +New Residential Mortgage Statistics Format Release Date **Annual Data (1998-2024)** All Geographic Areas [[CSV]](/document/nmdb-new-mortgage-statistics-all-annual.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-annual.zip) 12/30/2025 States [[CSV]](/document/nmdb-new-mortgage-statistics-states-annual.zip) 12/30/2025 **Quarterly ​Data (1998 Q1 - 2025 Q1)** National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 **Monthly ​Data (January 1998 - March 2025)** Nati​onal, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-monthly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-new-mortgage-statistics-wide-column-format.zip) 12/30/2025 + +**Outstanding Residential Mortgage Statistics** + +Outstanding Residential Mortgage Statistics Format Release Date **Quarterly ​Data (2013 Q1 - 2025 Q3)** All Geographic Areas [[CSV]](/document/nmdb-outstanding-mortgage-statistics-all-quarterly.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-outstanding-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-outstanding-mortgage-statistics-states-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-outstanding-mortgage-statistics-wide-column-format.zip) 12/30/2025 + +**Residential Mortgage Performance Statistics** + +Res​idential Mort​gage Performance Statistics Format Release Date **Quarterly ​Data (2002 Q1 - 2025 Q3)** All Ge​ographic Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-all-quarterly.zip) 12/30/2025 Nati​onal, Census Regions, and Census Divisions [[CSV]](/document/nmdb-mortgage-performance-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-mortgage-performance-statistics-states-quarterly.zip) 12/30/2025 100 Metro Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-metro-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-mortgage-performance-statistics-wide-column-format.zip) 12/30/2025 + +**Contact** +If you have any questions or comments about the data or documents, please email [NMDBdata@fhfa.gov](mailto:NMDBdata@fhfa.gov). + + + +*Page last updated: December 30, 2025* + + - **​Press Release** + +[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024) + +[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024) + +[F​HFA Announces New and Expanded Statistical Products from the ​National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021) + +[FHFA Releases U.S. Mortgage Statistics from the National Mortgage Database](/news/news-release/fhfa-releases-u.s.-mortgage-statistics-from-the-national-mortgage-database) (12/12/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Other Data** + +[NSMO Public Use File](/node/17641) (7/1/2023) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf)® (12/28/2022) + +**FHFA ​Stats Blog** + +[Recent Changes in Mortgage-Related Housing Consumption Costs: Evidence from the National Mortgage Database](/blog/statistics/recent-changes-in-mortgage-related-housing-consumption-costs-evidence-from-the-national-mortgage) (7/16/2024) + +[Homeowners' Equity Remains High](/blog/statistics/homeowners-equity-remains-high) (8/31/2023) + +[What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?](/blog/statistics/what-types-of-mortgages-do-fannie-mae-and-freddie-mac-acquire) (4/14/2021) + +[Mortgage Performance During the COVID-19 Pandemic](/blog/statistics/mortgage-performance-during-the-covid-19-pandemic) (2/2/2021) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Couple signing documents](/sites/default/files/styles/desktop_hero/public/2025-10/mortgage-signing-hero-banner.jpg.webp?itok=5QjQTLuz) + + # National Survey of Mortgage Originations (NSMO) Public Use File + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - National Survey of Mortgage Originations (NSMO) Public Use File + + + + The [National Survey of Mortgage Originations (NSMO)](/programs/nmdb#NSMO) is a component of the [National Mortgage Database (NMDB®)](/programs/nmdb) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish. + +NSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed [here](/programs/nmdb#NSMO). + +The NSMO public use file was updated on October 24, 2025 to append additional survey records and additional quarters of mortgage performance information. It replaced the public use file released on July 1, 2024. The updated file contains 58,381 sample mortgages originated from 2013 through 2023 based on the first 42 quarterly waves of the NSMO survey. For these mortgages, the updated file contains mortgage performance information through the fourth quarter of 2024. + +The original NSMO public use file was published on November 8, 2018, containing mortgages originated from 2013 through 2016. It was first updated on February 20, 2020, containing mortgages originated through 2017. Subsequent updates were published on July 29, 2021 (containing mortgages originated through 2019), on December 13, 2022 and March 3, 2023 (both containing mortgages originated through 2020), and on July 1, 2024 (containing mortgages originated through 2021). + +If you would like to sign up to receive email notifications when the NSMO data or documents are updated, please enter your email in the “Want to Subscribe" section on the bottom of the page. + +## Da​taset + +The Public Use File (PUF) is available in several formats including CSV, JSON, R, SAS, Stata, and XML. By ​downloading and using the following data files, you are acknowledging​ that you have read and agreed to the [Notice of Monitoring and Terms of Service](/data/nsmo/puf)​. + +[Link to Public U​se File​](/data/nsmo/puf) (10/24/2025) + +## Code + +[SAS Labels](/document/nsmo_v60_labels.sas) (10/24/2025) + +[SAS Formats​](/document/nsmo_v60_formats.sas) (10/24/2025) + +## Documentation + +[NSMO Technical Documentation​](/document/nsmo-technical-report-v60.pdf) (10/24/2025) + +[Codebook and Unweighted Tabulations​](/document/nsmo-appendix-c-v60.pdf) (10/24/2025) + +[Select Weighted Tabulations, 2013-2023​](/document/nsmo-appendix-d-v60.pdf) (10/24/2025) + +## Questionnaires + +[Waves 41 to 44 (2024 Quarters 1 to 4)](/document/nsmo-questionnaire-wave-41-to-44.pdf) + +[Wave 40 (2023 Quarter 4)](/document/nsmo-questionnaire-wave-40.pdf) + +[Wave 39 (2023 Quarter 3)](/document/nsmo-questionnaire-wave-39.pdf) + +[Waves 35 to 38 (202​2 Quarter 3 to 2023 Quarter 2)](/document/nsmo-questionnaire-waves-35-to-38.pdf) + +[Waves 35 to 37 (202​2 Quarter 3 to 2023 Quarter 1)](/document/nsmo-questionnaire-waves-35-to-37.pdf) + +[Waves 31 to 34 (2021 Quarter 3 to 2022 Quarter 2)](/document/nsmo-questionnaire-waves-31-to-34.pdf) + +[Waves 29 and 30 (2021 Quarter 1 and 2021 Quarter 2)](/document/nsmo-questionnaire-waves-29-and-30) + +[Waves 26 to 28 (2020 Quarters 2 to 4)](/document/nsmo-questionnaire-waves-26-to-28) + +[Waves 25 (2020 Quarter 1)](/document/nsmo-questionnaire-wave-25) + +[Waves 23 and 24 (2019 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-23-and-24) + +[Waves 19 to 22 (2018 Quarter 3 to 2019 Quarter 2)](/document/nsmo-questionnaire-waves-19-to-22) + +[Waves 15 to 18 (2017 Quarter 3 to 2018 Quarter 2)](/document/nsmo-questionnaire-waves-15-to-18) + +[Waves 13 and 14 (2017 Quarters 1 and 2)](/document/nsmo-questionnaire-waves-13-and-14) + +[Waves 11 and 12 (2016 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-11-and-12) + +[Wave 10 (2016 Quarter 2)](/document/nsmo-questionnaire-wave-10) + +[Wave 9 (2016 Quarter 1)](/document/nsmo-questionnaire-wave-9) + +[Wave 8 (2015 Quarter 4)](/document/nsmo-questionnaire-wave-8) + +[Wave 7 (2015 Quarter 3)](/document/nsmo-questionnaire-wave-7) + +[Waves 5 and 6 (2015 Quarters 1 and 2)](/document/nsmo-questionnaire-waves-5-and-6) + +[Wave 4 (2014 Quarter 4)](/document/nsmo-questionnaire-wave-4) + +[Wave 3 (2014 Quarter 3)​](/document/nsmo-questionnaire-wave-3) + +[Waves 1 and 2 (2014 Quarters 1 and 2)](/document/nsmo-questionnaire-waves-1-and-2) + + + +## ​Contacts + +If you have any questions or comments about the data or documents, please email [NSMOdata@fhfa.gov](mailto:NSMOdata@fhfa.gov). + + + +*Page last updated: October 24, 2025* + + - **Press Releases** + +[FHFA and CFPB Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use-2024) (7/1/2024) + +[F​HFA and CFPB Release Updated Data from the National​ Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (12/13/2022) + +[F​HFA and CFPB Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use-0) (7/29/2021) + +[F​HFA Announces New and Expanded Statistical Products from the National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database)****(6/30/2021)​ + +[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020) + +[FHFA and BCFP Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Other Data** + +[NMDB Aggregate Statistics](/data/nmdb) (9/25/2025) + +**Flyer** + +[NSMO](/document/nsmo-flyer-v60.pdf) (10/24/2025) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022) + +[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025) + +**NMDB Staff Working Papers​** + +[18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience](/research/papers/nmdb-wp1802) (3/14/2018) + +[18-01: Mortgage Experience of Rural Borrowers](/research/papers/nmdb-wp1801) (3/14/2018)​​​ + +**NSMO Symposium in Cityscape** + +[Link](https://www.huduser.gov/portal/periodicals/cityscpe/vol21num2/index.html) to *Cityscape* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - Natural Disaster Risk + + + + Program + + # Natural Disaster Risk + + ## **Agency Documents** + +See FHFA’s natural disaster-related performance measures and targets for 2025, 2024, and 2023 within FHFA’s [FY 2025 Annual Performance Plan](/document/fhfa-annual-performance-plan-fy-2025), [FY 2024 Annual Performance Plan](/media/51621), and [FY 2023 Annual Performance Plan](/document/FY2023_APP.pdf), respectively. + +See FHFA’s FY23 natural disaster-related activities and plans for FY24 within FHFA’s [2023 Performance and Accountability Report](/document/fhfa-2023-par.pdf). + +See FHFA’s natural disaster-related activities in 2023, 2022, and 2021 within FHFA’s [2023 Annual Report to Congress](/document/fhfa-2023-annual-report-to-congress), [2022 Annual Report to Congress](/AboutUs/Reports/ReportDocuments/FHFA-2022-Annual-Report-to-Congress.pdf), and [2021 Annual Report to Congress](/document/fhfa-2021-annual-report-to-congress), respectively. + +See FHFA’s FY22 natural disaster-related activities and plans for FY23 within FHFA’s [2022 Performance and Accountability Report](/document/performance-and-accountability-report-2022). + +## **Public Engagements** + +On March 13, 2024, the FHFA Multifamily team hosted a Multifamily Insurance Symposium. The symposium included sessions on insurance market risks and challenges, insurance and affordability, emerging solutions, and the Enterprises’ and HUD’s perspectives on insurance market challenges. + +On November 14 and 15, 2023, the FHFA Single-Family team hosted a Single-Family Insurance Symposium. Day One included sessions on insurance commissioner perspectives, implications of growth in residual insurance markets, insurance industry perspectives, and the homeownership experience. Day Two included sessions on strengthening community resilience and insurability, empowering communities with information, wildfire solutions, building resilience across sectors, building codes and standards, and consumer perspectives. + +## **Mortgage Loan and Natural Disaster Dashboard** + +See FHFA’s interactive Mortgage Loan and Natural Disaster Dashboard that combines data from FHFA’s PUDB reports on single-family and multifamily acquisitions for the regulated entities, FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas [here](/data/dashboard/mortgage-loan-and-natural-disaster). + +See a FAQ page on how to use the Mortgage Loan and Natural Disaster Dashboard [here](/faqs/mortgage-loan-and-natural-disaster). + +See a blog post detailing insights and uses of the Mortgage Loan and Natural Disaster Dashboard [here](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl). + + + +## **Natural Disaster Risk Blog Series** + +[**The Need to Address Climate Risk**](/blog/statistics/the-need-to-address-climate-risk) + +August 28, 2023 + +Author: + +**Daniel E. Coates** + +Deputy Director, FHFA Division of Research and Statistics + +Chair, Climate Change and ESG Steering Committee + +Executive Sponsor, Climate Change and ESG Working Groups + +[**FHFA’s Fall 2023 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfa-fall-2023-econ-summit-on-climate-risk) + +January 22, 2024 + +[**Incorporating Climate-Related Risks into Governance**](https://www.fhfa.gov/blog/insights/incorporating-climate-related-risks-into-governance) + +April 22, 2024 + +[**Lessons Learned from Assessing Exposure to Climate-Related Risks**](https://www.fhfa.gov/blog/insights/lessons-learned-from-assessing-exposure-to-climate-related-risks) + +May 1, 2024 + +[**Energy Transition Risk in the Housing Market**](https://www.fhfa.gov/blog/insights/energy-transition-risk-in-the-housing-market) + +December 9, 2024 + +[**FHFA’s Fall 2024 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfas-fall-2024-econ-summit-on-climate-risk) + +December 9, 2024 + +## **Disaster Response and Assistance** + +In May 2019, FHFA formalized its agency-wide Disaster Response Team (DRT), which had been meeting informally for years prior. The DRT has experience coordinating with the regulated entities, other government agencies, external parties, and internal FHFA stakeholders during natural disasters. It is guided by a natural disaster response and recovery framework developed by FHFA in coordination with its regulated entities to support borrowers and renters affected by natural disasters. This framework incorporates forbearance and workout options for borrowers in areas impacted by natural disasters, tailoring options to their specific circumstances. + +For more information on disaster response and assistance: See [https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) + +## **RFI: Climate and Natural Disaster Risk Management at the Regulated Entities** + +[Link to Comments](/public-input/climate-and-natural-disaster-risk) + +[Link to RFI Synopsis](/document/2022_rfi-summary.pdf) + + + +## **Listening Session** + +On March 4, 2021, FHFA held a public listening session on Climate and Natural Disaster Risk Management at the Regulated Entities. + +[March 4, 2021 Listening Session](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities) + +[March 4, 2021 Agenda](/document/climate-natural-disaster-risk-listeningsession-agenda) + +[March 4, 2021 Listening Session Transcript](/document/natural-disasterrisk-listening-session-transcript.pdf) + +[March 4, 2021 Listening Session Presentations](/document/combinedlistening-sessions-presentations) + + + +## **Statements, Remarks, and External Engagements** + +Sandra L. Thompson, Director of FHFA, participated in an [armchair chat](https://content.naic.org/events/international-insurance-forum) on May 16, 2024 at the National Association of Insurance Commissioners’ International Insurance Forum on addressing climate risk and property insurance. + +Sandra L. Thompson, Director of FHFA, [testified](https://www.banking.senate.gov/imo/media/doc/thompson_4-18-24.pdf) before the U.S Senate Committee on Banking, Housing, and Urban Affairs, addressing climate risk and property insurance Impacts on April 18, 2024. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, discussed FHFA and its regulated entities’ actions to address climate change in an interview with The Economist on March 27, 2024. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, delivered closing remarks addressing climate change at the joint GSE Climate Risk Forum held on March 20 and 21, 2024 at the Freddie Mac Headquarters. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, delivered remarks on FHFA and its regulated entities’ actions to address climate-related risk during the Ceres webinar, Charting Progress: Regulator Actions on Climate Financial Risks, on December 18, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, discussed the impact of climate change on the housing finance sector at the Insurance Information Institute (III) Town Hall held on November 30, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel on Climate-Related Risk for Housing Finance at the Financial Services Conference organized by the Consumer Federation of America on November 16, 2023. + +Sandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/261/CFRAC-20231020-Minutes.pdf) addressing climate change at the Financial Stability Oversight Council’s Climate-related Financial Risk Advisory Committee Meeting on October 20, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s work to address climate change during an interview with National Mortgage Professionals on October 12, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered closing remarks addressing climate change at the joint GSE Climate Risk Forum held on October 10, 2023. + +Sandra L. Thompson, Director of FHFA, participated in a climate change Q&A organized by the National Association of Federally Insured Credit Unions (NAFCU) on September 13, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks which also touched upon climate change at the 2023 American Real Estate and Urban Economics Association (AREUEA) National Conference held on June 1, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel discussion on climate risk hosted by CoreLogic on May 10, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s actions to address climate-related risk during the Ceres webinar, The Climate Risk Scorecard: Assessing U.S. Financial Regulator Action, on December 6, 2022. + +Sandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/231/Agenda-FLEC-Public-Meeting-Nov-2022.pdf) during the Financial Literacy Education Commission (FLEC) Public Meeting on November 17, 2022, which also touched upon climate. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, served as the keynote presenter for the September 30, 2022, Climate Adaptation Forum (CAF). + +Sandra L. Thompson, Director of FHFA, addressed climate change during the National Association of Federally Insured Credit Unions (NAFCU)’s Congressional Caucus event in September 2022. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, addressed climate change in a podcast on climate change risk organized by the National Association of Federally Insured Credit Unions (NAFCU) in August 2022. + +[Remarks of Sandra L. Thompson, Director of FHFA, at Financial Stability Oversight Council Principals Meeting on July 28, 2022.](https://home.treasury.gov/system/files/256/FSOC_20220728_Minutes.pdf) + +[FHFA Acting Director Sandra L. Thompson's Statement on Climate Change on December 27, 2021](/news/statement/fhfa-acting-director-sandra-l.-thompsons-statement-on-climate-change). + +[Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting. on October 21, 2021](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight). + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/831","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Programs](/programs) + - Neighborhood Stabilization Initiative (NSI) + + + + Program + + # Neighborhood Stabilization Initiative (NSI) + + ## Background + +The Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO. + +Given the unique challenges presented by these markets—high vacancy rates, weak for-sale markets, steep home-price declines—Fannie Mae and Freddie Mac selected the [National Community Stabilization Trust](http://www.stabilizationtrust.org/) (NCST), a national non-profit organization experienced in stabilization efforts for distressed communities to implement the NSI. Working together, they leverage their ties to "boots on the ground" community organizations and local non-profits, and work closely with local governments to make timely and informed decisions about the best treatment of individual properties. + +NSI was initiated as a pilot in the city of Detroit, Michigan in May 2014, and was then expanded to Cook County, Illinois in April 2015. Building on the lessons learned from the pilot, NSI was developed into a program and was expanded in December 2015 to 18 different metropolitan statistical areas with high volumes of low-value REO inventory. In December 2017, 10 additional markets were designated for further expansion. Currently, Fannie Mae operates their neighborhood stabilization efforts through their Community First Platform and has expanded the program to new markets across the country. Freddie Mac continues to administer their neighborhood stabilization efforts through NCST. + +​​​​ + + Image + + ![MSA-Map](/sites/default/files/styles/large/public/2023-05/MSA-Map.png?itok=r946MRak) + + - [NSI Expansion Interactive Map - updated monthly](/node/13636) - *(currently as of 12/31/2019)* + - [NSI Fact Sheet (12/12/2017)](/neighborhood-stabilization-initiative-program-fact-sheet) + + - Akron, OH + - Baltimore-Columbia-Towson, MD + - Cincinnati, OH-KY-IN + - Cook County, IL + - Detroit-Warren-Dearborn, MI + - Jacksonville, FL + - Miami-Fort Lauderdale-West Palm Beach, FL + - Orlando-Kissimmee-Sanford, FL + - Pittsburgh, PA + - Toledo, OH + + - Albany-Schenectady-Troy, NY + - Birmingham-Hoover, AL + - Cleveland-Elyria, OH + - Dayton, OH + - Flint, MI + - Kansas City, MO-KS + - Milwaukee-Waukesha-West Allis, WI + - Palm Bay-Melbourne-Titusville, FL + - St. Louis, MO + - Trenton, NJ + + - Atlanta-Sandy Springs-Roswell, GA + - Chicago-Naperville-Elgin, IL + - Columbus, OH + - Detroit, MI + - Indianapolis-Carmel-Anderson, IN + - Louisville-Jefferson County, KY-IN + - New York-Newark-Jersey City, NY-NJ-PA + - Philadelphia-Camden-Wilmington, PA-NJ-DE + - Tampa-St. Petersburg-Clearwater, FL + - Youngstown-Warren-Boardman, OH-PA + + ## Related Documents + + - [NSI Expansion Fact Sheet (11/10/2015)](/neighborhood-stabilization-initiative-program-expansion-fact-sheet) + - [Cook County, IL NSI Fact Sheet (4/15/2015)](/cook-county-illinois-neighborhood-stabilization-initiative-fact-sheet) + - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Cook County, IL (4/15/2015)](/sites/default/files/2023-03/mycity-modification-cook-county.pdf) + - [Fannie Mae and Freddie Mac - "Modification MyCity" - Condado de Cook, IL (Español) (4/15/2015)](/sites/default/files/2023-03/mycity-modification_cook_county_espanol.pdf) + - [Detroit, MI NSI Fact Sheet - Update (10/2/2014)](/detroit-michigan-nsi-fact-sheet-update) + - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Detroit, MI (10/2/2014)](/sites/default/files/2023-03/mycity-mod-detroit-consumer-factsheet-final.pdf) + - [Detroit, MI NSI Fact Sheet (5/13/2014)](/detroit-michigan-nsi) + ## Timeline + + Image + + ![NSI Timeline](/sites/default/files/styles/large/public/2023-06/nsi_timeline_1.png?itok=SMAxFF3Y) + + *Page last updated: August 25, 2022*​​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13626","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Cherry Blossoms with Thomas Jefferson Memorial](/sites/default/files/styles/desktop_hero/public/2025-04/hero-4.jpg.webp?itok=N2uQgJy9) + + # News Releases + + Announcements, publications, and news releases covering regulatory changes, policy updates, reports, news, initiatives, and the performance of the Enterprises in the housing finance sector. + + ## Breadcrumb + + - [Home](/) + - [News](/news) + - News Releases + + + + - [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + + #### Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + - News Release + + January 27, 2026 + + ## [FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year) + + Washington, D.C. – U.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October... + - News Release + + January 23, 2026 + + ## [U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit) + + Washington, D.C. – U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the... + - News Release + + December 30, 2025 + + ## [FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year) + + Washington, D.C. – U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was... + - News Release + + December 23, 2025 + + ## [Fannie and Freddie Empowered to Support Middle-Class Homeownership](/news/news-release/fannie-and-freddie-empowered-to-support-middle-class-homeownership) + + Washington, D.C. – Today U.S. Federal Housing issued a final rule that establishes new, better affordable housing goals for Fannie Mae and Freddie Mac. Thanks to this fix, Fannie and Freddie will continue to fully support mortgages for families from every walk of life. “For too long, Biden distorted... + - News Release + + December 10, 2025 + + ## [Mortgage Applications Up, Spreads Down!](/news/news-release/mortgage-applications-up-spreads-down) + + Washington, D.C. – President Trump is delivering for the American people: mortgage applications have risen to a three-year high as families return to the housing market, and spreads between mortgages and Treasuries continue to compress, improving mortgage rates and demonstrating the faith that the... + - News Release + + December 9, 2025 + + ## [Federal Housing Finance Agency Announces Deemed-Issuance Ratio for 2026](/news/news-release/federal-housing-finance-agency-announces-deemed-issuance-ratio-for-2026) + + Washington, D.C. – U.S. Federal Housing (Federal Housing Finance Agency or FHFA) today announced the deemed-issuance ratio for the 2026 calendar year in accordance with Internal Revenue Service (IRS) guidelines on the trading of the Uniform Mortgage-Backed Security (UMBS). The deemed-issuance ratio... + - News Release + + November 25, 2025 + + ## [FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026) + + Washington, D.C. – U.S. Federal Housing (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2026. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250... + - News Release + + November 25, 2025 + + ## [U.S. House Prices Rise 2.2 Percent Year over Year; Up 0.2 percent Quarter over Quarter](/news/news-release/u.s.-house-prices-rise-2.2-percent-year-over-year-up-0.2-percent-quarter-over-quarter) + + Washington, D.C. – U.S. house prices rose 2.2 percent between the third quarter of 2024 and the third quarter of 2025, according to the U.S. Federal Housing (FHFA) House Price Index (FHFA HPI®). House prices for the third quarter of 2025 rose 0.2 percent compared to the second quarter of 2025. FHFA... + - News Release + + November 24, 2025 + + ## [U.S. Federal Housing Announces 2026 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/news-release/u.s.-federal-housing-announces-2026-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac) + + Washington, D.C. – U.S. Federal Housing announced today that the 2026 multifamily loan purchase caps for Fannie Mae and Freddie Mac (the Enterprises) will be $88 billion for each Enterprise, for a combined total of $176 billion to support the multifamily market. To ensure a strong focus on... + - News Release + + October 28, 2025 + + ## [FHFA House Price Index® Up 0.4 Percent in August; Up 2.3 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-august-up-2.3-percent-from-last-year) + + Washington, D.C. – U.S. house prices rose 0.4 percent in August, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 2.3 percent from August 2024 to August 2025. The previously reported 0.1 percent price decline in July was... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [9](?page=8) + - … + - [Next](?page=1) + - [Last](?page=118) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34871","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # No FEAR Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - No FEAR Report + + + + The No FEAR Act requires federal agency accountability for violations of antidiscrimination and whistleblower protection laws. Federal agencies must notify employees and applicants for employment about their rights under the federal antidiscrimination and whistleblower laws. The No FEAR Act requires each federal agency to report quarterly on its public website summary statistical data related to equal employment opportunity (EEO) complaints filed against it and to report annually on the agency’s efforts to improve compliance with employment discrimination and whistleblower protection laws and detail the status of complaints brought against the agency under these laws. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/326&order=field_release_date&sort=asc) Report Attachment October 28, 2025 [No Fear Act Data - Fourth Quarter 2025](/reports/no-fear-act/2025/Q4) [Read Report](/document/no-fear-act-data-2025-q4.pdf) July 30, 2025 [No Fear Act Data - Third Quarter 2025](/reports/no-fear-act/2025/Q3) [Read Report](/document/no-fear-act-data-fy25-q3) June 24, 2025 [No Fear Act Data - Second Quarter 2025](/reports/no-fear-act/2025/Q2) [Read Report](/document/no-fear-act-data-fy25-q2) May 14, 2025 [No FEAR Act Annual Report to Congress FY 2024](/no-fear-act-annual-report-to-congress-fy-2024) [Read Report](/document/fy-2024-no-fear-act-report) January 29, 2025 [No Fear Act Data - 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Second Quarter 2023](/reports/no-fear-act/2023/Q2) [Read Report](/document/no-fear-act-data-second-quarter-2023) March 29, 2023 [No FEAR Act Annual Report to Congress FY 2022](/reports/no-fear-act/annual-report-to-congress/2022) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-2022) January 27, 2023 [No Fear Act Data - First Quarter 2023](/reports/no-fear-act/2023/Q1) [Read Report](/media/33386) October 28, 2022 [No Fear Act Data - Fourth Quarter 2022](/reports/no-fear-act/2022/Q4) [Read Report](/media/30391) August 01, 2022 [No Fear Act Data - Third Quarter 2022](/reports/no-fear-act/2022/Q3) [Read Report](/document/fy22-3q-no-fear-act-data-report) April 28, 2022 [No Fear Act Data - Second Quarter 2022](/reports/no-fear-act/2022/Q2) [Read Report](/media/33506) March 29, 2022 [No FEAR Act Annual Report to Congress FY 2021](/reports/no-fear-act/annual-report-to-congress/2021) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-21) January 25, 2022 [No Fear Act Data - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + + + + Policy + + # Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + + The sale of NPLs and RPLs by Fannie Mae and Freddie Mac (the Enterprises) reduces the number of deeply delinquent loans held in their inventories and transfers credit and interest rate risk to the private sector. Additionally, data provided by NPL buyers’ servicers over time show more favorable outcomes for borrowers than if the NPLs stayed in Enterprise portfolio through resolution. Purchasers of Enterprise NPLs and RPLs are subject to requirements published by FHFA, which have been enhanced over time, most recently 2023. + +​Links to the most recent NPL and RPL Sales Requirements Fact Sheet and NPL Sales Reports can be found at: + +- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL-Fact-Sheet-June2023.pdf) (6/22/2023)- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL_FACT-SHEET-May2021.pdf) (5/27/2021) +- [Reports](/reports/enterprise-non-performing-loan-sales-report) +​Read more about [Fannie Mae​](https://capitalmarkets.fanniemae.com/whole-loan-sales) and [Freddie Mac​​](http://www.freddiemac.com/seasonedloanofferings/) NPL and RPL sales. ​ + + + +*Date last updated: June 18, 2024* + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27256","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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January 24, 2023, 10 AM EST​ + +[Register (here) for the upcoming ASC Hearing now](https://surveys.consumerfinance.gov/jfe/form/SV_cJfO3aqRAMRNDym). + +Hybrid Format - hearing will be held in person and streamed online. + +Location: In person hearing will take place at Consumer Financial Protection Bureau Headquarters located at 1700 G Street, NW, Washington, D.C., 20552. + +More information is available on the [CFPB.gov​](https://www.consumerfinance.gov/about-us/events/appraisal-subcommittee-hearing-on-appraisal-bias/) (Consumer Financial Protection Bureau) event page. 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[Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Pilot Transparency + + + + Policy + + # Pilot Transparency + + FHFA supports efforts by the Enterprises to explore ways to fulfill their missions and enhance their safety and soundness through pilot programs. Pilots are a vital tool to test, learn, and in some cases, be scaled towards permanent policy. They can help inform longer-term policy one way or the other. FHFA, as conservator, is committed to providing transparency on pilot programs of the Enterprises remaining mindful of the confidential and proprietary nature of certain activities.​ + + **​[FANNIE MAE PILOTS](http://www.fanniemae.com/about-us/what-we-do/pilot-transparency)** + + **[FREDDIE MAC PILOTS](https://www.freddiemac.com/about/pilots) ​**​ + + Image + + ![Feasibility Study](/sites/default/files/styles/large/public/images-import/gettyimages-609690698-170667a.jpg?itok=trkysIo-) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12701","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Plain Language Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Plain Language Report + + + + This report describes the Federal Housing Finance Agency’s (FHFA) compliance with the Plain Writing Act of 2010 (Act). The purpose of the Act is to improve the effectiveness and accountability of federal agencies to the public by promoting clear government communication that the public can understand and use. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/346&order=field_release_date&sort=asc) Report Attachment December 27, 2024 [Plain Writing Act Compliance Report - 2023](/reports/plain-language-report/2023) [Read Report](/document/plain-writing-act-compliance-report-2023) December 21, 2023 [Plain Writing Act Compliance Report - 2022](/reports/plain-language-report/2022) [Read Report](/media/51026) December 27, 2022 [Plain Writing Act Compliance Report - 2021](/reports/plain-language-report/2021) [Read Report](/media/30576) December 08, 2021 [Plain Writing Act Compliance Report - 2020](/reports/plain-language-report/2020) [Read Report](/document/plain-writing-act-compliance-report-2020) August 04, 2020 [Plain Writing Act Compliance Report - 2019](/reports/plain-language-report/2019) [Read Report](/document/plain-writing-act-compliance-report-2019) January 03, 2019 [Plain Writing Act Compliance Report - 2018](/reports/plain-language-report/2018) [Read Report](/document/plain-writing-act-compliance-report-2018) July 24, 2018 [Plain Writing Act Compliance Report - 2017](/reports/plain-language-report/2017) [Read Report](/document/plain-writing-act-compliance-report-2017) March 02, 2017 [Plain Writing Act Compliance Report - 2016](/reports/plain-language-report/2016) [Read Report](/media/25391) January 04, 2016 [Plain Writing Act Compliance Report - 2015](/reports/plain-language-report/2015) [Read Report](/media/30176) April 11, 2014 [Plain Writing Act Compliance Report - 2014](/reports/plain-language-report/2014) [Read Report](/media/24946) April 01, 2013 [Plain Writing Act Compliance Report - 2013](/reports/plain-language-report/2013) [Read Report](/media/24796) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Policy + + Supervisory and regulatory activities to ensure the safety and soundness of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Bank System to promote a stable and accessible U.S. housing finance system. + + - ## Advisory Bulletins + + Publications containing important information, directives, or recommendations related to various aspects of housing finance. + + [View bulletins](/advisory-bulletin) + + - ## Credit Scores + + FHFA’s review of c​hanging Fannie Mae and Freddie Mac's credit score requirements. + + [View info](/policy/credit-scores) + + - ## Fannie Mae & Freddie Mac Affordable Housing Allocations + + Requirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property. + + [View info](/policy/enterprise-affordable-housing-allocations) + + - ## FHFA Statements on Credit Risk Transfer + + Programs to reduce taxpayer exposure to risks arising from credit guarantees extended by the Enterprises through their normal courses of business. + + [View info](/policy/fhfa-statements-credit-risk-transfer) + + - ## Mortgage Servicing + + Development and implementation of programs and initiatives to address challenges in the servicing market. + + [View info](/policy/mortgage-servicing) + + - ## Principal Reduction Modification + + Information about targeted Principal Reduction Modification program FHFA has directed the Enterprises to implement. + + [View info](/policy/principal-reduction-modification) + + - ## Single Security Initiative and Common Securitization Platform + + Development of a securitization infrastructure for the Enterprises for mortgage loans backed by single-family properties. + + [View info](/policy/single-security-initiative-and-common-securitization-platform) + + - ## Alternative Mortgage Servicing Compensation Initiative + + Consideration of alternatives for future mortgage servicing structures and servicing compensation for single-family loans. + + [View Info](/policy/alternative-mortgage-servicing-compensation-initiative) + + - ## Deemed-Issuance Ratio + + Deemed-issuance ratio for each calendar year based on the ratio of TBA-eligible securities. + + [View info](/policy/deemed-issuance-ratio) + + - ## Fannie Mae and Freddie Mac Multifamily Businesses + + Requirements for the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. + + [View info](/policy/enterprise-multifamily-businesses) + + - ## Guarantee Fees History + + The guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital. + + [View info](/policy/guarantee-fees) + + - ## Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + + Sales reducing the number of delinquent loans held in the Enterprises' inventories to transfer credit and interest rate risk to the private sector. + + [View info](/policy/non-performing-re-performing-loan-sales) + + - ## Representation and Warranty Framework + + Information about Fannie Mae and Freddie Mac’s Representation and Warranty Framework. + + [View info](/policy/representation-and-warranty-framework) + + - ## Credit Risk Transfer + + Information about Fannie Mae's and Freddie Mac's credit risk transfer programs. + + [View Info](/policy/credit-risk-transfer) + + - ## Executive Compensation + + Executive compensation for Federal Home Loan Bank directors and Fannie Mae's and Freddie Mac's senior executives. + + [View info](/policy/executive-compensation) + + - ## Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + + Requirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property. + + [View info](/policy/pmiers) + + - ## Language Access + + Requirements for the Enterprises to support access to credit for mortgage-ready borrowers with limited English proficiency (LEP). + + [View info](/policy/language-access) + + - ## Pilot Transparency + + Activities to ensure the expansion of affordable, sustainable, and healthy housing options for consumers follow a safe and sound structure. + + [View info](/policy/pilot-transparency) + + - 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Prepayment Monitoring Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Prepayment Monitoring Report + + + + Fannie Mae and Freddie Mac began issuing the Uniform Mortgage-Backed Securities (UMBS) on June 3, 2019. + +This quarterly report provides market participants additional transparency into a sample of the data FHFA receives and reviews on a monthly basis. The report focuses on alignment of prepayment rates, which continues to be important to the success of UMBS and to the efficiency and liquidity of the secondary mortgage market. Ex post monitoring of prepayment rates is part of a broader effort to assure investors that cash flows from UMBS will be similar regardless of which Enterprise is the issuer. + +This report provides insight into how FHFA monitors the consistency of prepayment rates across cohorts of the Enterprises’ TBA-eligible MBS,​​​ where a cohort consists of those Enterprise TBA-eligible securities with the same coupon, maturity, and loan-origination year and total combined issuance across the Enterprises exceeds $10 billion. A prepayment on a mortgage loan is the amount of principal paid in advance of the loan’s scheduled payments. Full prepayment occurs when a borrower pays off the loan ahead of the scheduled maturity. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/351&order=field_release_date&sort=asc) Report Attachment December 03, 2025 [Prepayment Monitoring Report Third Quarter 2025](/reports/prepayment-monitoring-report/2025/Q3) [Read Report](/document/Prepayment-Monitoring-Report-2025Q3.pdf) September 26, 2025 [Prepayment Monitoring Report Second Quarter 2025](/reports/prepayment-monitoring-report/2025/Q2) [Read Report](/document/prepayment-monitoring-report_2025q2.pdf) June 11, 2025 [Prepayment Monitoring Report First Quarter 2025](/reports/prepayment-monitoring-report/2025/Q1) [Read Report](/document/prepayment-monitoring-report_2025q1.pdf) February 12, 2025 [Prepayment Monitoring Report Fourth Quarter 2024](/reports/prepayment-monitoring-report/2024/Q4) [Read Report](/document/Prepayment-Monitoring-Report_2024Q4.pdf) November 27, 2024 [Prepayment Monitoring Report Third Quarter 2024](/reports/prepayment-monitoring-report/2024/Q3) [Read Report](/document/prepayment-monitoring-report-2024-q3) August 28, 2024 [Prepayment Monitoring Report Second Quarter 2024](/reports/prepayment-monitoring-report/2024/Q2) [Read Report](/document/prepayment-monitoring-report-2024-q2) May 24, 2024 [Prepayment Monitoring Report First Quarter 2024](/reports/prepayment-monitoring-report/2024/Q1) [Read Report](/document/prepayment-monitoring-report-2024-q1) February 26, 2024 [Prepayment Monitoring Report Fourth Quarter 2023](/reports/prepayment-monitoring-report/2023-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2023) November 16, 2023 [Prepayment Monitoring Report Third Quarter 2023](/reports/prepayment-monitoring-report/2023-Q3) [Read Report](/media/51451) August 18, 2023 [Prepayment Monitoring Report Second Quarter 2023](/reports/prepayment-monitoring-report/2023-Q2) [Read Report](/media/51986) June 02, 2023 [Prepayment Monitoring Report First Quarter 2023](/reports/prepayment-monitoring-report/2023-Q1) [Read Report](/document/prepayment-monitoring-report-2023-q1) November 30, 2022 [Prepayment Monitoring Report Third Quarter 2022](/reports/prepayment-monitoring-report/2022-Q3) [Read Report](/media/30396) August 23, 2022 [Prepayment Monitoring Report - Second Quarter 2022](/reports/prepayment-monitoring-report/2022-Q2) [Read Report](/document/prepayment-monitoring-report-2q2022) May 12, 2022 [Prepayment Monitoring Report First Quarter 2022](/reports/prepayment-monitoring-report/2022-Q1) [Read Report](/document/prepayment-monitoring-report-1q2022) February 28, 2022 [Prepayment Monitoring Report Fourth Quarter 2021](/reports/prepayment-monitoring-report/2021-Q4) [Read Report](/document/prepayment-monitoring-report-4q2021) November 29, 2021 [Prepayment Monitoring Report Third Quarter 2021](/reports/prepayment-monitoring-report/2021-Q3) [Read Report](/document/prepayment-monitoring-report-3q2021) August 06, 2021 [Prepayment Monitoring Report - Second Quarter 2021](/reports/prepayment-monitoring-report/2021-Q2) [Read Report](/document/prepayment-monitoring-report-2q2021) May 10, 2021 [Prepayment Monitoring Report First Quarter 2021](/reports/prepayment-monitoring-report/2021-Q1) [Read Report](/document/prepayment-monitoring-report-first-quarter-2021) March 02, 2021 [Prepayment Monitoring Report Fourth Quarter 2020](/reports/prepayment-monitoring-report/2020-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2020) November 30, 2020 [Prepayment Monitoring Report Third Quarter 2020](/reports/prepayment-monitoring-report/2020-Q3) [Read Report](/document/prepayment-monitoring-report-third-quarter-2020) August 24, 2020 [Prepayment Monitoring Report Second Quarter 2020](/reports/prepayment-monitoring-report/2020-Q2) [Read Report](/document/prepayment-monitoring-2020q2) June 08, 2020 [Prepayment Monitoring Report - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Programs + + - ## 2024 TechSprint: Generative AI in Housing Finance + + The FHFA Generative AI in Housing Finance TechSprint was an in-person, team-based problem-solving event hosted by the Federal Housing Finance Agency’s (FHFA) Office of Financial Technology (OFT). The TechSprint brought together technology, regulatory, housing, and consumer finance experts to identify use cases and associated control measures to support the responsible use of generative AI in housing finance.​ + + [View Program](/programs/fintech/techsprint/2024) + + - ## Affordable Housing & Community Investment + + The Federal Home Loan Bank Affordable Housing Program is used to finance the construction, purchase or rehabilitation of housing. Fannie Mae and Freddie Mac have affordable housing goals to purchase low-income and very low-income single-family and multifamily mortgages. + + [View Program](/programs/affordable-housing) + + - ## Duty to Serve Program + + Information about Duty to Serve provisions of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. This statute requires Fannie Mae and Freddie Mac to serve three specified underserved markets: manufactured housing, affordable housing preservation and rural housing markets. + + [View Program](/programs/duty-to-serve) + + - ## Fannie Mae & Freddie Mac Affordable Housing Goals + + Under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, Fannie Mae and Freddie Mac are subject to affordable housing goals covering their purchases of single-family mortgages and multifamily mortgages. + + [View Program](/programs/enterprise-affordable-housing-goals) + + - ## FHFA's Housing Finance Examiner Commission Program + + The main objective of the program is to provide examiners with broad-based knowledge to conduct successful risk-based examinations. A Housing Finance Examiner Commission will indicate whether an examiner is qualified to lead the examination of a major risk area at Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The program combines coursework, on-the-job training, and testing to ensure an examiner has the skills and technical knowledge necessary to evaluate the condition and practices of the entities that FHFA supervises. + + [View Program](/programs/housing-finance-examiner-commission) + + - ## Financial Technology (FinTech) + + FHFA’s Office of Financial Technology (Fintech) supports the Agency in developing strategies for FHFA’s regulated entities to advance fintech and innovation in housing finance in a safe and sound and equitable manner.​ The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech.​ + + [View Program](/programs/fintech) + + - ## Fraud Prevention + + The Federal Housing Finance Agency (FHFA) is committed to combating mortgage fraud. Freddie Mac, Fannie Mae, and the Federal Home Loan Banks (the “regulated entities”) have a statutory obligation to report possible fraud and fraud to law enforcement authorities and regulatory agencies, including FHFA. FHFA’s work to ensure the safety and soundness of the regulated entities includes monitoring their fraud prevention programs and conducting risk-focused reviews of their financial crime risk management and regulatory compliance. FHFA coordinates with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention of mortgage fraud. + + [View Program](/programs/fraud-prevention) + + - ## Loss Mitigation + + Fannie Mae and Freddie Mac have a number of aligned loss mitigation programs that are aimed at preventing foreclosures for delinquent borrowers. These programs include options for staying in or leaving their home. + + [View Program](/programs/loss-mitigation) + + - ## National Mortgage Database Program + + The National Mortgage Database program is jointly funded and managed by the Federal Housing Finance Agency and the Bureau of Consumer Financial Protection Bureau. The program is designed to provide a rich source of information about the U.S. mortgage market. + + [View Program](/programs/nmdb) + + - ## Natural Disaster Risk + + The purpose of Federal Housing Finance Agency’s (FHFA) Natural Disaster Risk Committee is to ensure the Agency makes strategic and tactically sound decisions concerning the impacts of and response to the risks posed by climate change in a coordinated, collaborative, and informed manner in furtherance of FHFA’s mission. The goal of the Climate Risk Committee is to better understand the impact of climate change on the housing and mortgage markets, including the disparate impacts on disadvantaged communities, and facilitate the sharing of climate-related financial risk data and information. + + [View Program](/programs/natural-disaster-risk) + + - ## Neighborhood Stabilization Initiative (NSI) + + The Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO. + + [View Program](/programs/neighborhood-stabilization-initiative) + + - ## Suspended Counterparty Program + + FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Public Engagements + + ## Breadcrumb + + - [Home](/) + - [News](/news) + - Public Engagements + + + + ## 2024 + +## **November 2024** + +## **FHFA Fall Econ Summit** + +**Date:** 11/12/2024 + +**Time:** 8:30 AM - 6:00 PM ET + +**Location:** Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC) + +**Topic:** Climate Risk + +[Agenda](/sites/default/files/2024-10/2024%20Fall%20FHFA%20Econ%20Summit%20Agenda_Date-Final.pdf), [Speaker Profiles](/sites/default/files/2024-10/2024-FHFA-Fall-Econ-Summit-Speaker-Headshots-and-Bios.pdf), [Fall 2024 Econ Summit Call for Papers - closed](/sites/default/files/2024-02/Call-for-Papers-FHFA-Fall-2024-Econ-Summit-on-Climate-Risk.pdf) + +[More Information: Presentations and Papers](/news/public-engagements/econ-summit/fall-2024) + +--- + +## October 2024 + +## 2024 FHFA Model Risk Conference + +The Division of Enterprise Regulation (DER) presents the 2024 FHFA Model Risk Conference. The conference will provide an opportunity for participants to share insights and best practices in managing model risk as well as provide a forum for model risk management professionals to learn about the latest trends in model risk management. The conference will have speakers from regulatory agencies and private industry. + +**Date:** 10/21/2024 - 10/22/2024 + +**Time:**8:00 AM EDT - 4:00 PM EDT + +**Location:**Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC) + +[Agenda](/sites/default/files/2024-10/2024-FHFA-Model-Risk-Conference-Agenda.pdf) + +[Speaker Profiles](/sites/default/files/2024-11/FHFA-Model-Risk-Conference-Speaker-Bios-2024.pdf) + +--- + +## July 2024 + +## 2024 Generative AI in Housing Finance TechSprint + +**Date:**7/22/2024​ - 7/25/2024 + +**Time:** + +- 7/22/2024 10:30 AM EDT - 11:40 AM EDT +- 7/25/2024 9:00 AM EDT - 12:30 PM EDT +**Location:** Virtual​ + +[More Information](/programs/fintech/techsprint/2024) + +## **2024 Duty to Serve Public Listening Sessions** + +The listening sessions will be an opportunity to hear from stakeholders sharing their views and recommendations on the [Enterprises’ proposed 2025-2027 Duty to Serve Underserved Markets Plans](/programs/proposed-2025-2027-DTS-underserved-markets-plans). + +**Date:** 7/15/2024 - 7/17/2024 + +**Time:**1:00 PM EDT - 4:00 PM EDT + +**Location:**Virtual + +[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-rural-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Rural Housing Market + +[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Manufactured Housing Market + +[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Affordable Housing Preservation + +[More Information](/programs/2024-duty-serve-public-listening-sessions) + +--- + +## June 2024 + +## FHLBank and CDFI Symposium + +This symposium will bring together non-depository CDFIs and representatives of the FHLBank System, providing an opportunity for CDFIs to learn more about the FHLBank System as well as for FHLBank leadership to gain a better understanding of CDFIs. + +**Date:** 6/20/2024 + +**Time:** 9:30 AM - 4:00 PM ET (check-in starts at 8:30 AM) + +**Location:** Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC) + +[Recording, Transcript, and Related Materials](/news/videos/fhlbank-and-cdfi-symposium) + + + +## FHFA Spring Econ Summit + +**Date:** 6/13/2024 + +**Time:** 12:00 PM - 5:00 PM ET + +**Location:** Virtual and In-Person at ​Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)​ + +**Topic:** Homeownership Affordability in the Post-COVID World + +[Summit Agenda](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Agenda_0.pdf), [Speaker Profiles](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Speaker-Profiles.pdf) + + + +--- + +## **February 2024** + +## **Save the Date: OCC to Host Public Hearing on Appraisal Bias** + +Date: 2/13/2024 + +Time: 10:00 AM - 1:00 PM ET + +Location: Office of the Comptroller of the Currency (OCC), ​Constitution Center, 400 7th Street, S.W, Washington, D.C. + +Representatives from the Appraisal Foundation, state appraiser licensing and regulatory agencies, and active appraisers will testify before the subcommittee. Additionally, the subcommittee will discuss oversight of the appraisal profession, diversity within the profession, the development and reporting of appraisals, and other challenges that impact appraisals. + +[News Release and More Information](https://occ.gov/news-issuances/news-releases/2024/nr-occ-2024-2.html) + + + +## **​2023** + +## **October 2023** + +## **FHFA Fall Econ Summit** + +Date: 10/3/2023 + +Time: 9 AM - 5:30 PM ET (check-in starts at 8:30 am) + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219 (Conference Room ABC)​ + +Topic: Climate Risk + +[More Information: Presentations, Papers, and Agenda](/news/public-engagements/econ-summit/fall-2023) + +--- + +## **September 2023** + +## **Special Purpose Credit Programs Roundtable** + +Four federal agencies (FHFA, HUD, OCC, and CFPB) will host roundtable regarding availability of special purpose credit programs (SPCP) to help meet the credit needs of eligible individuals. ​ + +Date: 10/12/2023 + +Time: 3 PM EDT + +Location: Virtual Livestream + +--- + +## **July 2023** + +## **2023 Velocity TechSprint Observer Track Sessions** + +Date:7/10/2023​ - 7/13/2023 + +Time:7/10/2023 9:00 AM EDT - 1:00 PM EDT +7/11/2023 1:00 PM EDT - 2:00 PM EDT​​ +7/12/2023 10:00 AM EDT - 2:00 PM EDT +7/13/2023 9:00 AM EDT - 12:30 PM EDT + +Location: Virtual + +[Agenda](/media/50981) + +[More Information](/programs/fintech) + +## **2023 Duty to Serve Public Listenin​g Sessions** + +Date: 7/17/2023 - 7/19/2023 + +Time: 1:00 PM EDT - 3:00 PM EDT​​ + +Location: Virtual + +[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-rural-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Rural Housing Market + +[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Manufactured Housing Market + +[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Underserved Market Plans 2025-2027 - Affordable Housing Preservation + +[More Information](/programs/2023-duty-to-serve-public-listening-sessions) + +--- + +## **May 2023** + +## **Save the Date: FHFA to Host Public Hearing on Appraisal Bias** + +Date: 5/19/2023 + +Time: 10:00 AM - 1:00 PM ET + +This event is the second public hearing in the Appraisal Subcommittee’s series of hearings related to the topic of appraisal bias. The intent of this hearing is to explore the appraiser regulatory system focusing on appraisal standards, appraiser qualification criteria and barriers to entry into the profession, appraisal practice, and State regulation. + +[Media Advisory - Witnesses](/media/51876) (4/25/2023) and [Video of Hearing​](https://www.youtube.com/watch?v=mc20kaNZTk8)​​ (5/19/2023) + +## **FHFA Spring Econ Summit** + +Date: 5/30/2023 + +Time: 12:30 PM - 6:00 PM ET + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219​ + +Topic: Housing Market Challenges + +[More Information: Agenda, Speaker Profiles, Presentations](/news/public-engagements/econ-summit/spring-2023) + +--- + +## **​January-March 2023** + +## **Wrap-Up Public Listening Session: FHLBank System at 100** + +Date: 3/22/2023, 3/23/2023, and 3/24/2023 + +Time: 12:30-4:00 PM + +​[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1)​ + +​[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2)​ + +​[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3)​ + +Visit the [Wrap-Up Listening Session Event page](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023)****for more information**.** + +## **FHLBank System ​at 100: Focusing on the Future Roundtables​​** + +See the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023) for more information about roundtables. + +## **2022** + +## **December 2022** + +## **FHLBank System at 100: Focusing on the Future Roundtables​​** + +See the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-focusing-on-the-future) for more information about roundtables. + +--- + +## **November 2022** + +## **​FHFA Fall Econ Summit​​** + +Date: 11/1/2022 + +Time: 9:00 AM - 12:45 PM + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219​ + +Topic: Climate Stress Testing and The Effect of Climate Change on Vulnerable Communities + +[Agenda](/media/33861)​ + +--- + +## **October 2022** + +## **Publi​c Listening Session: Financial Technology in Housing Finance** + +Date: 10/6/2022 + +Time: 2:30 - 5:20 PM + +Location: Online Event​​ + +[Agenda, Transcript, and Video](/programs/fintech) + +​Click [here](/programs/fintech) to download and view a copy of the Fintech Privacy Act Statement. + +--- + +## **September/October 2022** + +## [**Public Listening Session: FHLBank System at 100**](/programs/fhlbank-system-at-100-focusing-on-the-future)**​** + +Date: 9/29/2022, 9/30/2022, and 10/4/2022 + +Time: 12:30 - 4:00 PM + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219​ + +Day one of the Listening Session was available in-person and virtual. Days two and three were virtual only.​ + +​[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-1)​ + +​[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-2)​ + +​[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-3)​ + +--- + +## **July 2022** + +## **2022 Duty to Serve Public Listenin​g Sessions** + +Date: 7/11/2022 - 7/13/2022 + +[Affordable Housing Agenda, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-affordable-housing-preservation) + +[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-manufactured-housing-and-tenant-protections) + +[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-rural-housing) + +--- + +## **April 2022** + +## **FHFA and Ginnie Mae Public Listening Session** + +Topic: FHFA’s Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Single-Family Seller/Servicers and Ginnie Mae’s Eligibility Requirements for Single-Family MBS Issuers + +Date: 4/25/2022 + +Time: 1:00 PM - 3:00 PM + +Location: Online Event + +[Agenda, Transcript, and Video](/news/videos/fhfa-and-ginnie-mae-public-listening-session-on-re-proposed-eligibility-requirements) + +--- + +## **March 2022** + +## **Public Listening Session on Credit Score Models​​** + +Date: 3/1/2022 + +Time: 2:00 PM - 4:00 PM + +Location: Online Event + +[Agenda and Video](/news/videos/public-listening-session-on-credit-score-models) + +## **2021** + +## **October 2021** + +## **​FHFA Fall Econ Summit​​** + +Date: 10/26/2021 + +Time: 9:00 AM - 12:15 PM + +Location: Online Event + +Topic: Housing Supply and Implications for Affordable Housing + +[Agenda and Presentations](/news/public-engagements/econ-summit/fall-2021) + +--- + +## **Using Accessory Dwelling Units to Increase Housing Supply​​** + +Date: 9/14/2021 + +Time: 1:00 - 5:30 PM + +Location: Online Event + +[Agenda, Transcript, Video, and Presentations](/news/videos/using-accessory-dwelling-units-to-increase-housing-supply) + +--- + +## **July 2021** + +## **​Multifamily Radon Standards​​** + +Date: 7/20/2021 + +Time: 1:00 PM​​ + +## **Duty to Serve Proposed 2022-2024 Underserved Markets Plans** + +Date: 7/12/2021 - 7/14/2021 + +Time: 1:00 PM​ + +​[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-rural-housing) + +[Affordable Housing Preservation Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-affordable-housing-preservation)​ + +[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-manufactured-housing) + +--- + +## **June 2021** + +## **Closing the Gap to S​ustainable Homeownership** + +Date: 6/29/2021 + +Time: 1:00 PM​​ + +Agenda and Video​​ + + + +## **Single Family Small Lender Access Listening Session** + +Date: 6/3/2021 + +Time: 1:00 PM​ + +Location: Online Event + +[Single Family Small Lender Access Listening Session Agenda, Transcript, and Video](/news/videos/single-family-small-lender-access)​ + +--- + +## **May 2021** + +## **Protecting Borrowers in the COVID Environment Joint with CFPB** + +Date: 5/13/2021 + +Time: 1:00 PM + +Location: Online Event + +[Protecting Borrowers in the COVID Environment Listening Session Agenda, Transcript, Presentations, and Video](/news/videos/protecting-borrowers-during-the-covid-pandemic) + +--- + +## **April 2021** + +## **Multifamily Small Lender Access** + +Date: 4/30/2021 + +Time: 1:00 PM - 4:00 PM + +Location: Online Event + +[Multifamily Small Lender Access Public Listening Session Agenda, Transcript, and Video](/news/videos/multifamily-small-lender-access) + +--- + +## **March 2021** + +## **Enterprise Housing Goals Listening Session** + +Date: 3/25/2021 + +Time: 1:00 - 4:00 PM + +Location: Online Event + +[Enterprise Housing Goals Public Listening Session Agenda, Transcript, Presentations, Video, and News Release](/news/videos/enterprise-housing-goals-anpr) + + + +## [**FHFA Public Listening Session on Climate and Natural Disaster Risk Management at the Regulated Entities**](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities) + +Date: 3/4/2021 + +Time: 1:00 - 4:00 PM + +Location: Online Event + +[Climate and Natural Disaster Risk Public Listening Session Agenda, Presentations, Video, RFI, and News Release](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities) + +--- + +## **February 2021** + +## [**FHFA Econ Summit**](/news/public-engagements/econ-summit/february-2021)**​** + +Date: 2/23/2021 + +Time: 9:00 AM - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Skyscaper in the background of suburban neighborhood](/sites/default/files/styles/desktop_hero/public/2025-10/pudb-hero.jpg.webp?itok=5QOtoJvZ) + + # Public Use Database + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Public Use Database + + + + ## Datasets + + ## 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 + +Historically, the Enterprise PUDB has been released in TXT (text) format without a header row. The 2024 Enterprise PUDB release presents the data in two formats. The 2024 release includes the TXT format without a header row that has been used historically. The 2024 release also presents the same data in CSV (Comma Separated Value) format with a header row. *Note that FHFA plans to discontinue publication of the TXT format version beginning with the 2025 Enterprise PUDB release in September 2026, so that only the CSV format with a header row will be available in future years*. + +In this release, the Multifamily National File at the Property Level and the Multifamily National File at the Unit-Class Level are available through two separate links instead of one. The data specifications remain unchanged from prior years. + +The 2024 Enterprise PUDB Data Dictionary has been consolidated into a single PDF document instead of multiple PDF documents. The 2024 release also includes an Excel version of the Data Dictionary. Both versions will include an additional column that shows the names of each data field provided in the CSV format of the data with a header row. + +### Future Release Notes + +FHFA plans to release future Enterprise PUDB data in the CSV format only, beginning with the 2025 Enterprise PUDB in September 2026. The TXT format without a header row will be discontinued. + +FHFA also plans to discontinue the Enterprise PUDB Single-Family National File A, beginning with the 2025 Enterprise PUDB in September 2026. Users will be able to 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 will be available in the 2025 Enterprise PUDB Census Tract File. + +In addition, PUDB data for both Enterprises will be combined into a single file for each type of 2025 Enterprise PUDB file. However, it will still be feasible to identify and separate data by each Enterprise using the Enterprise flag in data. + +### Documentation + +Data Dictionary [[.pdf]](/document/2024-enterprise-pudb-data-dictionary.pdf) [[.xlsx]](/document/2024-enterprise-pudb-data-dictionary.xlsx) + + - **FHFA PUDB Orders and Federal Register Notices** + +- [Notice of Order No. 2020–N–11](https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf) +- [Notice of Order No. 2011–N–11](https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf) +- [Notice of Order No. 2010–N–10](https://www.govinfo.gov/content/pkg/FR-2010-07-15/pdf/2010-17119.pdf) +- [Privacy and Proprietary Determination Matrices](/sites/default/files/2024-01/PUDB-Matrices_05-27-2020.xlsx) +**Contact** + +If you have any questions or comments about the data or documents, please email [PUDBdata@fhfa.gov](mailto:pudbdata@fhfa.gov). + + **2024 Enterprise PUDB Data** Format **Single-Family National File A**: +Mortgage-Level File for Owner-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfa.zip) [[.txt]](/document/2024_enterprise_sf_nfa.zip) **Single-Family National File B**: +Unit-Level File for All Single-Family (1-4 Unit) Properties, including Renter-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfb.zip) [[.txt]](/document/2024_enterprise_sf_nfb.zip) **Single-Family National File C**: +Mortgage-Level File for Properties with High-Cost Single-Family Mortgages Purchased and Securitized by the Enterprises [[.csv]](/document/2024_pudb_sf_nfc.zip) [[.txt]](/document/2024_enterprise_sf_nfc.zip) **Single-Family Census Tract File**: +Mortgage-Level File for All Single-Family (1-4 Unit) Properties [[.csv]](/document/2024_pudb_sf_ctf.zip) [[.txt]](/document/2024_enterprise_sf_ctf.zip) **Multifamily National File P**: +Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_nfp.zip) [[.txt]](/document/2024_enterprise_mf_nfp.zip) **Multifamily National File U**: +Unit-Class-Level File for All Multifamily Property Unit Classes [[.csv]](/document/2024_pudb_mf_nfu.zip) [[.txt]](/document/2024_enterprise_mf_nfu.zip) **Multifamily Census Tract File**: +Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_ctf.zip) [[.txt]](/document/2024_enterprise_mf_ctf.zip) + + To access the historical Enterprise PUDB data, please expand the section below by clicking on the “+” symbol. + + #### Historical Enterprise PUDB Data (only in TXT format) + + Year Data and Documentation 2024 [[.txt, .pdf]](/document/data/2024_enterprise_pudb.zip) 2023 [[.txt, .pdf]](/document/2023_enterprise_pudb.zip) 2022 [[.txt, .pdf]](/document/2022_enterprise_pudb.zip) 2021 [[.txt, .pdf]](/document/2021_enterprise_pudb.zip) 2020 [[.txt, .pdf]](/document/2020_enterprise_pudb.zip) 2019 [[.txt, .pdf]](/document/2019_enterprise_pudb.zip) 2018 [[.txt, .pdf]](/document/2018_enterprise_pudb.zip) 2017 [[.txt, .pdf]](/document/2017_enterprise_pudb.zip) 2016 [[.txt, .pdf]](/document/2016_enterprise_pudb.zip) 2015 [[.txt, .pdf]](/document/2015_enterprise_pudb.zip) 2014 [[.txt, .pdf]](/document/2014_enterprise_pudb.zip) 2013 [[.txt, .pdf]](/document/2013_enterprise_pudb.zip) 2012 [[.txt, .pdf]](/document/2012_enterprise_pudb.zip) 2011 [[.txt, .pdf]](/document/2011_enterprise_pudb.zip) 2010 [[.txt, .pdf]](/document/2010_enterprise_pudb.zip) 2009 [[.txt, .pdf]](/document/2009_enterprise_pudb.zip) 2008 [[.txt, .pdf]](/document/2008_enterprise_pudb.zip) + + ## Public Use Database – Federal Home Loan Bank System (FHLBank) + +HERA Section 1212 requires the Director to make available to the public, in a form that is useful to the public (including forms accessible electronically), and to the extent practicable, census tract level data relating to mortgages purchased by each Federal Home Loan Bank. + +The contents of these files are unaudited and are reported directly by the Federal Home Loan Banks to FHFA. Questions concerning the content of these files should be directed to the relevant Federal Home Loan Bank(s). + + **2024 FHLBank PUDB Data** [2024 C​SV](/document/2024-pudb.csv) [2024 Excel](/document/2024-pudb.xlsx) [2024 Definitions](/document/2024-pudb-definitions.pdf) + + #### FHLB Historical PUDB Data + + **​Year** **​Data** **​Definitions** 2023 [CSV](/document/2023-pudb.csv)/ [XLSX](/document/2023-pudb.xlsx) [PDF](/document/ama_pudb_definitions_2023.pdf) 2022 [CSV](/document/2022_pudb_export_123122.csv)/ [XLSX](/document/2022_pudb_export_123122.xlsx) [PDF](/document/ama_pudb_definitions_2022.pdf) ​2021 [​CSV](/document/2021_pudb_export_123121.csv) / [XLSX](/document/2021_pudb_export_123121.xlsx) [​PDF](/document/ama_pudb_definitions_2021.pdf) ​​2020 ​[CSV](/document/2020_pudb_export_123120.csv) / [XLSX](/document/2020_pudb_export_123120.xlsx)​ [PDF](/document/ama_pudb_definitions_2020.pdf)​ ​2019 [​CSV](/document/2019_pudb_export_123119.csv) / [XLSX](/document/2019_pudb_export_123119.xlsx) [​PDF](/document/ama_pudb_definitions_2019.pdf) ​2018 ​[CSV](/document/2018_pudb_export_123118.csv) / [XLSX](/document/2018_pudb_export_123118.xlsx) [​PDF](/document/ama_pudb_definitions_2018.pdf) ​2017 ​[CSV](/document/2017_pudb_export.csv) / [XLSX](/document/2017_pudb_export.xlsx) [PDF](/document/ama_pudb_definitions_2017.pdf) ​2016 [CSV](/document/2016_pudb_export_123116.csv) / [XLSX](/document/2016_pudb_export_123116.xlsx) ​ [PDF​](/document/ama_pudb_definitions_2016.pdf) ​2015 [CSV](/document/2015_pudb_export_123115.csv) / [XLSX](/document/2015_pudb_export_123115.xlsx) ​ [PDF​](/document/ama_pudb_definitions_123115.pdf) ​2014 [CSV](/document/ama_pudb_export_123114.csv) / [XLSX​](/document/ama_pudb_export_123114.xlsx) [PDF](/document/ama_pudb_definitions_123114.pdf)​ ​2013 [CSV](/document/ama_pudb_export_123113.csv) / [XLS](/document/ama_pudb_export_123113.xls)​ ​[PDF](/document/ama_pudb_definitions_123113.pdf) ​2012 [CSV](/document/ama_pudb_export_123112.csv) / [XLS​](/document/ama_pudb_export_123112.xls) ​[XLS](/document/ama_pudb_definitions_123112.xls) ​2011 [CSV](/document/ama_pudb_export_123111.csv) / [XLS](/document/ama_pudb_export_123111.xls)​ ​[XLS](/document/ama_pudb_definitions_123111.xls) ​2010 ​[CSV](/document/ama_pudb_export_123110.csv) / [XLS](/document/ama_pudb_export_123110.xls) ​[XLS](/document/ama_pudb_definitions_123110.xls) ​2009 ​[CSV](/document/ama_pudb_export_123109.csv) / [XLS](/document/ama_pudb_export_123109.xls) ​ + + ## Dashboards + + ## Enterprise Single-Family PUDB + + 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](/data/dashboard/enterprise-single-family-public-use-database) + + ## Enterprise Multifamily PUDB + + The Enterprise Multifamily Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of multifamily mortgage that Fannie Mae and Freddie Mac acquire. It shows characteristics about multifamily loans, properties, and units at the national level, and characteristics about multifamily loans and properties at the state level. It includes key statistics, time series charts, and state maps of multifamily housing characteristics such as median loan amount, number of properties, average number of units per property, and unit affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Multifamily PUDB datasets, updated annually since 2008. + +- [Enterprise Multifamily Public Use Dashboard](/data/dashboard/enterprise-multifamily-public-use-database) +- [Press Release: FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions](/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions) + + ## Mortgage Loan & Natural Disaster + + This interactive Mortgage Loan and Natural Disaster Dashboard combines FHFA’s PUDB data on single-family and multifamily acquisitions for the regulated entities (Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System), FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Representation and Warranty Framework + + + + Policy + + # Representation and Warranty Framework + + Representations and Warranties are a lender’s assurance that a mortgage loan sold to Fannie Mae or Freddie Mac (the Enterprises) complies with the standards outlined in the Enterprise’s selling and servicing guides, including underwriting and documentation. When mortgages don’t comply, the Enterprises may require remedies, including issuing a repurchase request. + +FHFA and the Enterprises have engaged in a multi-year effort since 2012, to improve the Representation and Warranty Framework (Framework). Prior to this effort, the Enterprises had significant discretion to determine whether or not a loan had underwriting defects and what constituted an appropriate remedy for a defective loan. This generated uncertainty for lenders and can contribute to increased credit overlays that affect lending costs and may reduce access to credit. The objective of the Framework has been to enhance transparency and certainty for lenders by clarifying when a mortgage loan may be subject to repurchase. + +The first improvements to the Framework took effect in January 1, 2013 with the introduction of representation and warranty relief for underwriting the borrower and property when a loan meets certain payment history requirements, such as 36 consecutive on-time monthly payments made by the borrower. + +Additional enhancements to the Framework were announced in 2014, such as adjusting the payment history requirement to allow up to two delinquencies of 30 days or less within the first 36 months after loan purchase and allowing lenders to stand in for an insurer when mortgage insurance is rescinded after delivery. + +The Enterprises took additional steps in 2015 to finalize improvements to the Framework, categorizing loan origination and servicing defects and the appropriate remedies available to address them. + +In February 2016, the final piece of the Framework was completed – the independent dispute resolution (IDR) program. Developed cooperatively by Fannie Mae, Freddie Mac, FHFA and the lending community, IDR is designed as a way to resolve contested loan-level disputes about repurchase requests. Under this program, a neutral third party will determine whether a breach of representations and warranties exists to support a repurchase request. + +All together, these improvements are intended to provide more certainty for lenders, facilitate greater liquidity to the primary market, and help increase access to credit without compromising safety and soundness. + +## Links to Representation and Warranty Documents:​ + +- [FHFA, Fannie Mae and Freddie Mac Announce Independent Dispute Resolution Program (02/02/2016)​](/news/news-release/fhfa-fannie-mae-and-freddie-mac-announce-independent-dispute-resolution-program) +- [FHFA Statement: Statement of FHFA Director Melvin L. Watt on the Finalization of Life-of-Loan Representation and Warranty Exclusions (11/20/2014)](/news/statement/statement-of-fhfa-director-melvin-l.-watt-on-the-finalization-of-life-of-loan-representation-and) +- [FHFA News Release: FHFA, Fannie Mae and Freddie Mac Launch New Representation and Warranty Framework (9/11/2012)](/news/news-release/fhfa-fannie-mae-and-freddie-mac-launch-new-representation-and-warranty-framework) +- [FHFA Scorecards](/reports/conservatorships-performance-goals-scorecard) +- [Fannie Mae Summary: Representations and Warranties Framework](https://selling-guide.fanniemae.com/sel/a2-2-01/representations-and-warranties-overview) +- [Freddie Mac Summary: Selling Representation and Warranty Framework](https://sf.freddiemac.com/working-with-us/selling-delivery/delivery-options-pricing/selling-representation-and-warranty-framework) +- [Freddie Mac Seller/Servicer Guide Bulletin on servicing remedies framework (12/16/2015)](http://www.freddiemac.com/singlefamily/guide/bulletins/pdf/bll1522.pdf)​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13616","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + #### Search & Filter + + Keyword + + Category Briefs, Notes & White Papers + + NMDB Staff Working Papers + + Staff Working Papers Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Category Briefs, Notes & White Papers + + NMDB Staff Working Papers + + Staff Working Papers Items per page 10 25 50 + + # Research + + - Staff Working Papers + + January 17, 2025 + + ## [Working Paper 25-02: Disclosure Dilemmas: How Appraisal Information Reshapes Residential Property Valuations for Mortgage Lending](/research/papers/wp2502) + + We find a puzzling increase in home valuations following the adoption of stricter flood standards. At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to... + - Staff Working Papers + + January 10, 2025 + + ## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501) + + Using 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to... + - Staff Working Papers + + December 23, 2024 + + ## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411) + + Borrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance... + - Staff Working Papers + + December 20, 2024 + + ## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410) + + This paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. Leveraging the country’s electricity market—characterized by five distinct regions with varying exposure to European... + - Staff Working Papers + + November 13, 2024 + + ## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408) + + This paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the... + - Staff Working Papers + + November 4, 2024 + + ## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406) + + We study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in... + - Staff Working Papers + + May 24, 2024 + + ## [Working Paper 24-05: Tracking Our Footprint: CO2 Emissions from US Single-Family Homes](/research/papers/wp2405) + + We estimate residential energy use and CO2 emissions for single-family homes using administrative data from approximately 45 million property appraisals, or 1.8 billion property-month observations. First, we find that from 2013 to 2021, CO2 emissions decreased by 8.8 percent in aggregate while... + - Staff Working Papers + + May 15, 2024 + + ## [Working Paper 24-04: Measuring Price Effects from Disasters Using Public Data: A Case Study of Hurricane Ian](/research/papers/wp2404) + + Natural disasters can disrupt housing markets, causing destruction to communities and distress to economic activity. To estimate the effects of disasters on home prices, publicly-available data on property damages are often used to classify “treated” properties. However, by design these data lack... + - Staff Working Papers + + March 18, 2024 + + ## [Working Paper 24-03: The Lock-In Effect of Rising Mortgage Rates](/research/papers/wp2403) + + People can be “locked-in” or constrained in their ability to make appropriate financial changes, such as being unable to move homes, change jobs, sell stocks, rebalance portfolios, shift financial accounts, adjust insurance policies, transfer investment profits, or inherit wealth. These frictions... + - Staff Working Papers + + March 13, 2024 + + ## [Working Paper 24-02: Measuring Homeownership Sustainability for First-Time Homebuyers](/research/papers/wp2402) + + Homeownership is often expressed as a simple static number. Most reports or studies are unable to track a homeowner over time and they cannot follow a person after a home is sold to see what happens next. We craft new and dynamic statistics based on first-time homebuyers (FTHBs) using a nationally... + - [1](?category%5B961%5D=961&page=0) + - [2](?category%5B961%5D=961&page=1) + - [3](?category%5B961%5D=961&page=2) + - [4](?category%5B961%5D=961&page=3) + - [5](?category%5B961%5D=961&page=4) + - [6](?category%5B961%5D=961&page=5) + - [7](?category%5B961%5D=961&page=6) + - [8](?category%5B961%5D=961&page=7) + - [Next](?category%5B961%5D=961&page=1) + - [Last](?category%5B961%5D=961&page=7) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34906","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en","currentQuery":{"category":{"961":"961"}}},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to... + - Staff Working Papers + + January 10, 2025 + + ## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501) + + Using 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to... + - Staff Working Papers + + December 23, 2024 + + ## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411) + + Borrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance... + - Staff Working Papers + + December 20, 2024 + + ## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410) + + This paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. 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This FHFA technical report documents the statistical... + - Staff Working Papers + + November 13, 2024 + + ## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408) + + This paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the... + - Staff Working Papers + + November 4, 2024 + + ## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406) + + We study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in... + - Briefs, Notes & White Papers + + August 22, 2024 + + ## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals) + + In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA technical report documents the statistical forecast models that... + - Staff Working Papers + + May 24, 2024 + + ## [Working Paper 24-05: Tracking Our Footprint: CO2 Emissions from US Single-Family Homes](/research/papers/wp2405) + + We estimate residential energy use and CO2 emissions for single-family homes using administrative data from approximately 45 million property appraisals, or 1.8 billion property-month observations. First, we find that from 2013 to 2021, CO2 emissions decreased by 8.8 percent in aggregate while... + - Staff Working Papers + + May 15, 2024 + + ## [Working Paper 24-04: Measuring Price Effects from Disasters Using Public Data: A Case Study of Hurricane Ian](/research/papers/wp2404) + + Natural disasters can disrupt housing markets, causing destruction to communities and distress to economic activity. To estimate the effects of disasters on home prices, publicly-available data on property damages are often used to classify “treated” properties. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + #### Search & Filter + + Keyword + + Category Briefs, Notes & White Papers + + NMDB Staff Working Papers + + Staff Working Papers Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Category Briefs, Notes & White Papers + + NMDB Staff Working Papers + + Staff Working Papers Items per page 10 25 50 + + # Research + + - Briefs, Notes & White Papers + + December 19, 2024 + + ## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals - December 2024](/research/papers/2025-2027-enterprise-single-family-housing-goals-12-2024) + + In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical... + - Briefs, Notes & White Papers + + August 22, 2024 + + ## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals) + + In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA technical report documents the statistical forecast models that... + - Briefs, Notes & White Papers + + December 8, 2022 + + ## [FHFA Mortgage Analytics Platform (Version 3.0)](/research/papers/fhfa-mortgage-analytics-platform-version-3) + + ​This white paper incorporates the following major enhancements and updates reflected in the third version of the Single-family FHFA Mortgage Analytics Platform (FMAP v3.0) since version 2.0 of FMAP was released in May 2020. + - Briefs, Notes & White Papers + + December 22, 2021 + + ## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals - December 2021](/research/papers/2022-2024-enterprise-single-family-housing-goals-12-2021) + + In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical... + - Briefs, Notes & White Papers + + August 18, 2021 + + ## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single Family Housing Goals](/research/papers/2022-2024-enterprise-single-family-housing-goals) + + Author: ​​Ken Lam, Omena Ubogu, Jay Schultz, and Padmasini Raman In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA... + - Briefs, Notes & White Papers + + May 21, 2020 + + ## [FHFA Mortgage Analytics Platform (Version 2.0)](/research/papers/fhfa-mortgage-analytics-platform-version-2) + + This version of the white paper incorporates the following two major updates to the FHFA Mortgage Analytics Platform: + + Re-estimated performing loan equations for 30-year fixed rate, 15-year fixed rate, and 5/1 adjustable-rate mortgages. The re-estimated equations incorporated new explanatory... + - Briefs, Notes & White Papers + + January 25, 2018 + + ## [The Size of the Affordable Mortgage Market: 2018-2020 Enterprise Single-Family Housing Goals](/research/papers/2018-2020-enterprise-single-family-housing-goals) + + Author: ​Ken Lam, Jay Schultz, and Padmasini Raman ​In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. FHFA has recently... + - Briefs, Notes & White Papers + + August 19, 2015 + + ## [The Size of the Affordable Mortgage Market: 2015-2017 Enterprise Single-Family Housing Goals](/research/papers/2015-2017-enterprise-single-family-housing-goals) + + Author: ​Jay Schultz​​​ In establishing benchmarks for the 2015, 2016, and 2017 single-family mortgage housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This paper documents the... + - Briefs, Notes & White Papers + + July 31, 2014 + + ## [FHFA Brief 14-2: First-Time Homebuyer Share and House Price Growth](/research/papers/fhfa-brief-14-2-first-time-homebuyer-share-and-house-price-growth) + + Author: ​Saty Patrabansh, Andrew Leventis, and Nayantara Hensel Abstract: This Brief provides historical, state-by-state statistics on the share of purchase-money mortgages for primary homes obtained by first-time homebuyers from 1996 to 2013. It also examines the relationship between first-time... + - Briefs, Notes & White Papers + + July 10, 2014 + + ## [FHFA Mortgage Analytics Platform (Version 1.0)](/research/papers/fhfa-mortgage-analytics-platform-version-1) + + Author: Robert M. Dunsky*, Xiaoming Zhou, Michael Kane, Ming Chow, Charles Hu, Andrew Varrieur * Lead Author Background & Introduction The Federal Housing Finance Agency (FHFA) maintains a proprietary Mortgage Analytics Platform to support the Agency’s strategic plan. 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This paper contributes to the literature in two ways. First, it provides evidence on the benefits... + - NMDB Staff Working Papers + + March 14, 2018 + + ## [NMDB Staff Working Paper 18-01: Mortgage Experiences of Rural Borrowers in the United States: Insights from the National Survey of Mortgage Originations](/research/papers/nmdb-wp1801) + + To date, research on rural mortgage markets in the United States has been limited by a lack of data on the specific mortgage experiences of borrowers living in rural areas. 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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It is designed to ensure the public is informed of proposed rules, has the opportunity to comment on them, and have access to the rulemaking record. + + Give us your comment - visit [Open for Public Comment](/regulation/federal-register?comments=open) + + ## Rulemaking Process + + - **Advance Notice of Proposed Rulemaking.** + + In this optional step, we publish initial analysis of the subject and ask for public comment. + - **Proposed Rule.** + + The proposed regulatory language is published in the [Federal Register](http://www.gpo.gov/fdsys/browse/collection.action?collectionCode=FR), including justification and analysis behind the rule as well as our response to any advance public comment. + - **Public Comment.** + + After publication in the Federal Register, a public comment period begins. Depending on the complexity of the rule, comment periods could be for 30 to 60 days, or even as much as 180 days. + - **Final Rule.** + + After the comment period, we publish our response to issues raised by public comments and an updated analysis and justification for the rule, including and analysis of any new information from public comments. + In some cases, we may publish a second draft proposed rule. This and any subsequent drafts also appear in the Federal Register. + + Once we have analyzed and satisfied public concerns on every draft, the rule can be found by clicking Rules & Notices and is published in the [Code of Federal Regulations](http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR). + + ## Ex Parte Communications in Connection with FHFA Rulemakings + + FHFA encourages public and transparent participation in its process for rulemakings conducted in accordance with the Administrative Procedure Act. FHFA's [Policy on Communications with Outside Parties in Connection with FHFA Rulemakings](/sites/default/files/documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf) provides guidance as to how the public should make written and oral communications, including at meetings, to FHFA during this process. + + ## Key Legislation + + Key legislation related to FHFA, the regulated entities and our predecessor agencies is detailed under **Key Legislation** on [Government](/government#KeyLegislation) page. + + ## Code of Federal Regulations + + e-CFR is a regularly updated, unofficial editorial compilation of CFR material and Federal Register amendments produced by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office. + + **Title 12 - Banks and Banking** includes CFR materials for Federal Housing Finance Agency. + + Federal Housing Finance Agency - parts [1200-1299](https://www.ecfr.gov/current/title-12/chapter-XII) + + Additionally, CFR materials for our predecessor agencies can be found: + + - Office of Federal Housing Enterprise Oversight - parts [1700-1799](https://www.ecfr.gov/current/title-12/chapter-XVII) + + - ## Rulemaking Links + + [Open for Comment or Input](/regulation/federal-register?comments=open) + + [Rules & Notices](/regulation/federal-register) + + [Unified Agenda](/regulation/federal-register/fhfa-unified-agenda) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/811","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Single-Family Guarantee Fees Report + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Single-Family Guarantee Fees Report + + + + Section 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises) for guaranteeing a mortgage. HERA further requires that FHFA annually submit a report to Congress on the results of its guarantee-fee study. HERA requires the report to contain an analysis of the average guarantee fee and a breakdown by product type, risk class, and seller size. Finally, HERA requires that the report reflect an analysis of the costs associated with providing guarantees and an analysis of any increase or decrease in guarantee fees from the preceding year. In this report, FHFA identifies and analyzes annual single-family guarantee fees charged by the Enterprises. This report presents yearly changes in the Enterprises’ guarantee fees with the preceding year. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/366&order=field_release_date&sort=asc) Report Attachment December 22, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) [Read Report](/document/gfee-report-2024.pdf) January 17, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) [Read Report](/document/gfee-report-2023.pdf) May 02, 2024 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) [Read Report](/document/fannie-mae-and-freddie-mac-single-family-guarantee-fees-in-2022) November 16, 2022 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021) [Read Report](/media/30411) December 21, 2021 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020) [Read Report](/document/fannie-and-freddie-guarantee-fees-2020) December 14, 2020 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) [Read Report](/document/GFee-Report-2019.pdf) December 18, 2019 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018) [Read Report](/media/30116) December 10, 2018 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2017) October 17, 2017 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2016) August 01, 2016 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2015](/reports/single-family-guarantee-fees/2015) [Read Report](/media/30356) June 30, 2015 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2014](/reports/single-family-guarantee-fees/2014) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2014) November 20, 2014 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2013](/reports/single-family-guarantee-fees/2013) [Read Report](/media/25101) December 09, 2013 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2012](/reports/single-family-guarantee-fees/2012) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2012) December 09, 2013 [State-Level Guarantee Fee Analysis](/reports/single-family-guarantee-fees/state-level-guarantee-fee-analysis) [Read Report](/document/state-level-g-fee-analysis) August 31, 2012 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2010 / 2011](/reports/single-family-guarantee-fees/2010-2011) [Read Report](/media/24866) September 23, 2011 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2009 / 2010](/reports/single-family-guarantee-fees/2009-2010) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2009-and-2010) July 08, 2010 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2008 / 2009](/reports/single-family-guarantee-fees/2008-2009) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2008-and-2009) July 30, 2009 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2007 / 2008](/reports/single-family-guarantee-fees/2007-2008) [Read Report](/media/24861) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [Policy](/policy) + - Single Security Initiative and Common Securitization Platform + + + + Policy + + # Single Security Initiative and Common Securitization Platform + + The Federal Housing Finance Agency's (FHFA) [*2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac*](/node/2681) includes the strategic goal of developing a new securitization infrastructure for Fannie Mae and Freddie Mac (the Enterprises) for mortgage loans backed by single-family properties. To achieve this goal, Common Securitization Solutions (CSS), a joint venture owned by the Enterprises, is developing a Common Securitization Platform (CSP) under FHFA's direction and guidance. CSS acts as each Enterprise's agent to facilitate issuance of single-family mortgage securities, release related at-issuance and ongoing disclosures, and administer the securities post-issuance. In addition, CSS is creating the operational capabilities necessary to run the CSP. The CSP will support the Enterprises' single-family mortgage securitization activities, including the issuance by both Enterprises of a common single mortgage-backed security to be known as the Uniform Mortgage-Backed Security (UMBS). The issuance of UMBS should improve the overall liquidity of the Enterprises' securities and help ensure liquidity of the nation's housing finance markets.​ + + FHFA Statement: ​[Statement of FHFA Deputy Director Robert Fishman on the Launch of the New Uniform Mortgage-Backed Security (UMBS)](/news/statement/statement-of-fhfa-deputy-director-robert-fishman-on-the-launch-of-the-new-uniform-mortgage-backed)​​ (06/03/2019) + +[*Prepayment Monitoring Report - 2Q2019*](/document/prepayment-monitoring-report-2q2019) (08/20/2019) + +[Link to all Prepayment Monitoring Reports](/reports/prepayment-monitoring-report) + +FHFA News Release: [FHFA Issues Final Rule on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-final-rule-on-uniform-mortgage-backed-security) (02/28/2019) + +[Uniform Mortgage-Backed Security Final Rule​](/regulation/federal-register/final-rule/uniform-mortgage-backed-security-final-rule) (02/28/2019) + +FHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (11/13/2018) + +[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-security-platform-november-2018) (11/13/2018) + +FHFA News Release: [FHFA Issues Notice of Proposed Rulemaking on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-notice-of-proposed-rulemaking-on-uniform-mortgage-backed-security) (09/12/2018) + +[Uniform Mortgage-Backed Security Proposed Rule](/regulation/federal-register/rin-2590-aa94) (09/12/2018) + +FHFA News Release: [FHFA Issues New Payment Monitoring Report](/news/news-release/fhfa-issues-new-prepayment-monitoring-report) (05/22/2018) + +[FHFA Announces June 2019 Implementation of the New Uniform Mortgage-Backed Security](/news/news-release/fhfa-announces-june-2019-implementation-of-the-new-uniform-mortgage-backed-security) (03/28/2018) + +FHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (12/04/2017) + +[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-securitization-platform-december-2017) (12/04/2017) + +[Single Security Initiative Illustrative Implementation Schedule](/media/33576) (12/04/2017, updated May 2018) + +[SIFMA Single Security Webinar](/document/single-security-sifma-webinar) (10/04/2017) + +[*Freddie Mac and Fannie Mae Single Security Initiative Market Adoption Playbook*](/document/single-security-initiative-market-adoption-playbook) (09/06/2017, updated September 2018) + +[Submit input](/public-input) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu) + +[Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu) + +[Fannie Mae Single Security and Common Securitization Platform (CSP) Web page](https://www.fanniemae.com/newsroom/fannie-mae-news/statement-single-security-initiativecommon-securitization-platform-update-andrew-bon-salle) + +[Freddie Mac Single Security and Common Securitization Platform (CSP) Web page​](https://capitalmarkets.freddiemac.com/mbs/mortgage-securities/faqs) + + [Image + + ![Timeline Thumbnail Ellipses 2017](/sites/default/files/styles/large/public/2023-05/Timeline_thumbnail_ellipses_2017.png?itok=kcJVGAuV)](/media/52341) + +*As of June 3, 2019.* + +*View*[*printable PDF of Timeline*](/document/ssi-csp-timeline.pdf) + + [Image + + ![Deemed Issuance Ratio Table](/sites/default/files/styles/large/public/2023-05/Deemed-Issuance-Ratio-Table_2.png?itok=Q3Ai0Kpa)](/node/2541) *As of November 30, 2020.* + + *View [Deemed-Issuance Ratio for Internal Revenue Code (IRC) Section 817(h)](/policy/deemed-issuance-ratio)* + + *View [printable PDF of Deemed-Issuance Ratio](/document/deemed-issuance-ratio-2021)* + + - **[Video - Single Security Initiative](/news/videos/preparing-for-the-single-security)** + + [Image + + ![ssi csp video thumbnail](/sites/default/files/styles/landscape_large_520_x_390_/public/2023-12/ssi-csp_video_thumbnail.png?h=666a669e&itok=o_C3uwiU)](/news/videos/preparing-for-the-single-security) + + - **[Implementation Schedule](/media/33576)** + + [Image + + ![Illustrative Implementation Schedule](/sites/default/files/styles/large/public/2023-05/Illustrative_Implementation_Schedule_1.png?itok=SJ9nPDGW)](/media/33576) + + **Related Documents:** + + **2017** + + FHFA News Release: [FHFA Announces Timing for Implementation of Release 2 of the Common Securitization Platform](/news/news-release/fhfa-announces-timing-for-implementation-of-release-2-of-the-common-securitization-platform) (03/23/2017) + + [*An Update on Implementation of the Single Security and the Common Securitization Platform*](/document/update-on-implementation-of-the-ss-and-the-csp) (03/23/2017) + + **2016** + + FHFA News Release: *[FHFA Announces Successful Implementation of Release 1 of the Common Securitization Platform](/news/news-release/fhfa-announces-successful-implementation-of-release-1-of-the-common-securitization-platform)*(12/08/2016) + + *[An Update on Implementation of the Single Security and the Common Securitization Platform](/media/30346)*(07/07/2016) + + FHFA News Release: [*FHFA Details Plans and Timelines for the Single Security and Common Securitization Platform*](/news/news-release/fhfa-details-plans-and-timelines-for-the-single-security-and-common-securitization-platform) (07/07/2016) + + **2015** + + FHFA News Release: [*FHFA Issues Update on the Common Securitization Platform*](/news/news-release/fhfa-issues-update-on-the-common-securitization-platform)**(09/15/2015) + + [*An Update on the Common Securitization Platform*](/media/26181) (09/15/2015) + + [*An Update on the Structure of the Single Security*](/reports/single-security-update) (05/15/2015) + + FHFA News Release: [*FHFA Issues Update on the Single Security*](/news/news-release/fhfa-issues-update-on-the-single-security)**(05/15/2015) + + [Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Structure Update 2015* in pull down menu) + + **2014** + + [Request for Input: Single Security Structure](/document/rfi-single-security-final-8-11-2014) (08/12/2014) + + FHFA News Release: [*FHFA Seeks Input on Single Security*](/news/news-release/fhfa-seeks-input-on-single-security)**(08/12/2014) + + [Review input submitted](/discussion-topics-overview?tab=all)* (select *Single Security* in pull down menu) + + **FHFA received additional submissions that will not be made public because they were non-responsive or were unrelated to the Request for Input.* + + **2013** + + FHFA News Release: [*FHFA Progress Report Details Advancement on Securitization Infrastructure and Credit Risk Sharing*](/news/news-release/fhfa-progress-report-details-advancement-on-securitization-infrastructure-and-credit-risk-sharing) (11/25/2013) + + [*A Progress Report on the Implementation of FHFA's Strategic Plan for Enterprise Conservatorships*](/reports/conservatorships-progress-report/2013) (11/25/2013) + + FHFA News Release: [*FHFA Issues Update on Development of a Common Securitization Infrastructure*](/news/news-release/fhfa-issues-update-on-development-of-a-common-securitization-infrastructure) (04/23/2013) + + [*A Progress Report on the Common Securitization Infrastructure*(PDF)](/document/whitepaperprogressreport43013) (04/23/2013) + + **2012** + + [White Paper: Building a New Infrastructure for the Secondary Mortgage Market](/research/papers/building-new-infrastructure-secondary-mortgage-market) (10/04/2012) + + [Public Input Received on Building a New Infrastructure (2012-13)](/document/public-input-on-building-a-new-infrastructure) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Lincoln memorial with the Washington Monument appearing between the pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-5.jpg.webp?itok=W6yiIudy) + + # Speeches + + Director speeches that offer valuable insights from FHFA leadership. + + ## Breadcrumb + + - [Home](/) + - [News](/news) + - Speeches + + + + - [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + + #### Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + - Speech + + October 28, 2024 + + ## [Prepared Remarks of FHFA Deputy Director Naa Awaa Tagoe at the 2024 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-deputy-director-naa-awaa-tagoe-at-the-2024-mortgage-bankers-association) + + Good morning! Thank you, Bob Broeksmit and the MBA staff, for the opportunity to be here today. I’m also delighted that I get to share the stage with HUD Acting Secretary Todman. Director Thompson sends her regards and wishes she could have joined in person. This convention arrives as the nation... + - Speech + + October 16, 2023 + + ## [Prepared Remarks of FHFA Director Sandra L. Thompson at the 2023 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-director-sandra-l.-thompson-at-the-2023-mortgage-bankers-association-annual) + + ​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 16, 2023 Thank you for the opportunity to be here once again at MBA's Annual Convention. I always appreciate the chance to be with you all and to share the stage with such... + - Speech + + October 24, 2022 + + ## [Prepared Remarks of Sandra L. Thompson, Director, FHFA, at the 2022 Mortgage Bankers Association Annual Convention](/news/speech/prepared-remarks-of-sandra-l.-thompson-director-fhfa-at-the-2022-mortgage-bankers-association-annual) + + ​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 24, 2022 11:20 AM CT Thank you for that introduction. It’s good to be back at MBA's annual convention. It’s also a great honor to share the stage with my colleagues Alanna... + - Speech + + October 21, 2021 + + ## [Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight) + + ​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, OCTOBER 21, 2021 Thank you, Madam Chair. I commend the Council for undertaking this important first step toward... + - Speech + + July 14, 2021 + + ## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: "Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing"](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session) + + ​​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: "Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing" Wednesday, July 14, 2021 Let me thank all our participants in this week's virtual... + - Speech + + July 1, 2021 + + ## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: “Closing the Gap to Sustainable Homeownership”](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session-0) + + Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: "Closing the Gap to Sustainable Homeownership" Tuesday, June 29, 2021 I am honored by the President's appointment and I am really looking forward to leading FHFA... + - Speech + + October 19, 2020 + + ## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Mortgage Bankers Association - 2020 Convention and Expo](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-mortgage-bankers-association-2020) + + Public Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency MORTGAGE BANKERS ASSOCIATION 2020 ANNUAL CONVENTION AND EXPO MONDAY, OCTOBER 19, 2020 VIRTUAL Thank you, Susan [Stewart], for that introduction and for inviting me to speak today. I want to thank... + - Speech + + September 25, 2020 + + ## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council) + + Public Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING FRIDAY, SEPTEMBER 25, 2020 Thank you, Mr. Chairman. I commend the Council for this important statement today acknowledging for the first time... + - Speech + + March 26, 2020 + + ## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council-0) + + ​ Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, MARCH 26, 2020 Thank you, Mr. Chairman. At the start of 2020, strong labor markets and house price appreciation created a solid... + - Speech + + February 27, 2020 + + ## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Credit Union National Association (CUNA) Government Affairs Conference](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-credit-union-national-association-cuna) + + Remarks As Prepared for Delivery Dr. Mark A. Calabria, Director Federal Housing Finance Agency CREDIT UNION NATIONAL ASSOCIATION (CUNA) GOVERNMENT AFFAIRS CONFERENCE MONDAY, FEBRUARY 24, 2020 - WASHINGTON, D.C. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Row of pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-6.jpg.webp?itok=uCYkSZNd) + + # Statements + + Director statements that offer valuable insights from FHFA leadership. + + ## Breadcrumb + + - [Home](/) + - [News](/news) + - Statements + + + + - [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + + #### Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + - Statement + + July 11, 2025 + + ## [Statement from Chairman of the Board of Fannie Mae and Freddie Mac William J. Pulte on Reports that Jerome Powell Is Considering Resigning](/news/statement/statement-from-chairman-of-the-board-of-fannie-mae-and-freddie-mac-william-j.-pulte-on-reports-that-jerome-powell-is-considering-resigning) + + Washington, D.C. – “I’m encouraged by reports that Jerome Powell is considering resigning. I think this will be the right decision for America, and the economy will boom.” ### The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government... + - Statement + + September 30, 2024 + + ## [Statement of Director Sandra L. Thompson on the Advisory Bulletin to the Federal Home Loan Bank System on Climate Risk](/news/statement/statement-of-director-sandra-l.-thompson-on-the-advisory-bulletin-to-the-federal-home-loan-bank) + + The Federal Housing Finance Agency (FHFA) issued today an Advisory Bulletin to the Federal Home Loan Bank (FHLBank) System, AB 2024-04: FHLBank System Climate-Related Risk Management, following extensive outreach to the System’s members and other relevant stakeholders through the FHLBank System at... + - Statement + + September 10, 2024 + + ## [Statement from Director Sandra L. Thompson on Diana Reid’s Appointment as CEO of the Federal Home Loan Mortgage Corporation (Freddie Mac)](/news/statement/statement-from-director-sandra-l.-thompson-on-diana-reids-appointment-as-ceo-of-freddie-mac) + + FHFA Director Sandra L. Thompson issued the following statement on the Federal Home Loan Mortgage Corporation’s appointment of Diana Reid as its Chief Executive Officer: “I am delighted that Freddie Mac has selected Diana Reid as its next CEO. Diana brings with her decades of experience in mortgage... + - Statement + + June 21, 2024 + + ## [Statement of Director Sandra L. Thompson on the Conditional Approval of the Freddie Mac Second Mortgage Proposal](/news/statement/statement-of-director-sandra-l.-thompson-on-the-conditional-approval-of-the-freddie-mac-second) + + In April, the Federal Housing Finance Agency (FHFA) published a notice of a proposed new product from Freddie Mac to purchase certain single-family closed-end second mortgages. This notice represented the first time a proposed new product from Freddie Mac or Fannie Mae (the Enterprises) was... + - Statement + + May 10, 2024 + + ## [Statement of Director Sandra L. Thompson on the FSOC Nonbank Mortgage Servicing Report](/news/statement/statement-of-director-sandra-l.-thompson-on-the-fsoc-nonbank-mortgage-servicing-report) + + ​I commend the Financial Stability Oversight Council (FSOC) for the publication of its report on nonbank mortgage servicing. This report advances the work of federal and state agencies with oversight responsibility of the mortgage market, identifies vulnerabilities specific to nonbank mortgage... + - Statement + + May 6, 2024 + + ## [Statement of Director Sandra L. Thompson on Incentive-Based Compensation Joint Release](/news/statement/statement-of-director-sandra-l.-thompson-on-incentive-based-compensation-joint-release) + + ​​I strongly believe that robust risk management with respect to compensation practices is critical to promoting the safety and soundness of FHFA's regulated entities. For that reason, FHFA has joined the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency... + - Statement + + March 7, 2024 + + ## [Director Sandra Thompson's Statement on Title Acceptance Pilot](/news/statement/director-sandra-thompsons-statement-on-title-acceptance-pilot) + + ​​For many aspiring and current homeowners, closing costs represent a substantial affordability barrier to purchasing or refinancing a home. The Federal Housing Finance Agency (FHFA) continues to focus on ways Fannie Mae and Freddie Mac (the Enterprises) can responsibly reduce closing costs for... + - Statement + + November 14, 2023 + + ## [Director Sandra L. Thompson Statement on Fannie Mae Leadership Changes](/news/statement/director-sandra-l.-thompson-statement-on-fannie-mae-leadership-changes) + + Dave Benson and Jeff Hayward have each brought an enormous amount of leadership and technical expertise to Fannie Mae in their decades of service. Their many contributions have positioned Fannie Mae to excel in serving its mission of providing affordable and sustainable housing to creditworthy... + - Statement + + September 8, 2023 + + ## [Director Sandra L. Thompson Statement on Departure of Freddie Mac CEO Michael DeVito](/news/statement/director-sandra-l.-thompson-statement-on-departure-of-freddie-mac-ceo-michael-devito) + + ​​​​​Michael DeVito has brought more than 30 years of experience and leadership in mortgage finance to Freddie Mac. I am grateful for his commitment and dedication which has put the company in a stronger financial position while still providing broad access to credit for all creditworthy borrowers... + - Statement + + August 18, 2023 + + ## [Federal Housing Agencies Issue Reminder of Mortgage Assistance for Those Impacted by the Maui Wildfires](/news/statement/federal-housing-agencies-issue-reminder-of-mortgage-assistance-for-those-impacted-by-the-maui) + + Washington, D.C. – Today, Federal Housing Agencies - Government National Mortgage Association (Ginnie Mae), Federal Housing Administration (FHA), Federal Housing Finance Agency (FHFA), United States Department of Agriculture (USDA), and United States Department of Veterans Affairs (Veterans Affairs)... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [9](?page=8) + - … + - [Next](?page=1) + - [Last](?page=11) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34881","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Stress Tests Reports - Fannie Mae & Freddie Mac + + ## Breadcrumb + + - [Home](/) + - [Reports](/reports) + - Stress Tests Reports - Fannie Mae & Freddie Mac + + + + Fannie Mae and Freddie Mac (the “Enterprises”) are required to conduct annual stress tests pursuant to Federal Housing Finance Agency (FHFA) rule 12 CFR 1238, which implements section 165(i)(2) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”). Section 165(i)(2) of the Dodd-Frank Act, as amended by section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (“EGRRCPA”) requires certain financial companies with total consolidated assets of more than $250 billion, that are regulated by a primary federal financial regulatory agency, to conduct periodic stress tests to determine whether the companies have the capital necessary to absorb losses as a result of severely adverse economic conditions. These changes became effective on March 24, 2020. + +In September 2008, FHFA suspended capital requirements after placing Fannie Mae and Freddie Mac into conservatorships. The Senior Preferred Stock Purchase Agreements that were established between the Department of the Treasury (“Treasury”) and each Enterprise limited the amount of capital that each Enterprise could hold to a Capital Reserve Amount of $3.0 billion. However, on September 27, 2019, FHFA, acting in its capacity as the conservator of the Enterprises, and Treasury entered into a letter agreement modifying the dividend and liquidation preference provisions of the senior preferred stock held by Treasury. Effective with the third quarter 2019 dividend period, the Enterprises were not required to pay further dividends to Treasury until they accumulated over $25 billion in net worth at Fannie Mae and $20 billion in net worth at Freddie Mae. Subsequently, on January 14, 2021, FHFA and Treasury announced amendments to the Senior Preferred Stock Purchase Agreements. The amendments allow the Enterprises to continue to retain earnings until they satisfy the requirements of the 2020 Enterprise Regulatory Capital Framework. + +Notwithstanding the capital limits stipulated in the Senior Preferred Stock Purchase Agreements, FHFA requires the Enterprises to conduct DFAST annually in order to provide insight into risk exposure and potential sources of losses in the prescribed conditions. This report provides updated information on possible ranges of future financial results of the Enterprises under severely adverse conditions. The severely adverse conditions assumed are identical for both Enterprises. + +The projections reported here are not expected outcomes. They are modeled projections in response to “what if” exercises based on assumptions about Enterprise operations, loan performance, macroeconomic and financial market conditions, and house prices. The projections do not define the full range of possible outcomes. Actual outcomes may be different. + + Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + + Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + + [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/376&order=field_release_date&sort=asc) Report Attachment August 15, 2025 [2024 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2024) [Read Report](/document/2024-dodd-frank-act-stress-test-results) August 15, 2025 [2025 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2025) [Read Report](/document/2025-dodd-frank-act-stress-test-results) August 10, 2023 [2023 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2023) [Read Report](/media/51751) August 12, 2022 [2022 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2022) [Read Report](/media/30056) August 13, 2021 [2021 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2021) [Read Report](/media/30476) August 12, 2021 [2020 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2020) [Read Report](/media/30286) August 15, 2019 [2019 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2019) [Read Report](/media/30026) August 07, 2018 [2018 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2018) [Read Report](/document/2018-dfast-severely-adverse-scenario) August 07, 2017 [2017 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2017) [Read Report](/document/2017-dfast-severely-adverse-scenario.pdf) August 08, 2016 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2016) [Read Report](/document/2016-dfast-severely-adverse-scenario) April 30, 2015 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2015) [Read Report](/document/2015-dfast-severely-adverse-scenario) April 30, 2014 [Projections of the Enterprises' Financial Performance (Stress Tests) 4/30/2014](/reports/stress-tests-report/2014) [Read Report](/media/24956) October 26, 2012 [Projections of the Enterprises’ Financial Performance - October 2012](/reports/stress-tests-report/2012) [Read Report](/media/23791) October 27, 2011 [Projections of the Enterprises’ Financial Performance - October 2011](/reports/stress-tests-report/2011) [Read Report](/document/enterprises-financial-performance-projections-2011) October 21, 2010 [Projections of the Enterprises’ Financial Performance - October 2010](/reports/stress-tests-report/2010) [Read Report](/document/enterprises-financial-performance-projections-oct-2010) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Suspended Counterparty Program + + FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct. + + FHFA established the Suspended Counterparty Program ([12 CFR part 1227](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-B/part-1227)) to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities. + +FHFA maintains a list at this page of each person that is currently suspended under the Suspended Counterparty Program. + + State - Any - Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming + + Counterparty + + Items per page 5 10 25 50 204 items + + [![file download icon](/themes/custom/fhfa/assets/uswds/images/usa-icons/file_download.svg)CSV](/suspended-counterparties/download/csv) + + [![file download icon](/themes/custom/fhfa/assets/uswds/images/usa-icons/file_download.svg)JSON](/suspended-counterparties/download/json) + + [First Name](?items_per_page=10&order=field_first_name&sort=asc) [Last Name](?items_per_page=10&order=field_last_name&sort=asc) [Company](?items_per_page=10&order=field_name_1&sort=asc) [City](?items_per_page=10&order=field_city&sort=asc) [State](?items_per_page=10&order=field_state&sort=asc) [Effective DateSort ascending](?items_per_page=10&order=field_start_date&sort=asc) [Suspension End Date](?items_per_page=10&order=field_end_date&sort=asc) Suspension Order Carlos M. Velez-Cruz Guaynabo Puerto Rico 12/24/2025 Indefinite [Suspension Order](/sites/default/files/2025-11/Carlos-Velez-Cruz-Final-Suspension-Order.pdf) Apex Title Agency Incorporated Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Apex-Title-Agency-Inc-Final-Suspension-Order.pdf) Dora A. Martinez Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Dora-Martinez-Final-Suspension-Order.pdf) Elena Villarini Leesburg Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Elena-Villarini-Final-Suspension-Order.pdf) Maria Del Carmen Montes Kissimmee Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Maria-Montes-Final-Suspension-Order.pdf) Carlos A. Ferrer Berdecia Davenport Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Carlos-Berdecia-Final-Suspension-Order.pdf) Aron Puretz Lakewood New Jersey 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Aron-Puretz-Final-Suspension-Order.pdf) Moshe "Mark" Silber Suffern New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Moshe-Silber-Final-Suspension-Order.pdf) Rhodium Capital Advisors LLC New York New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Rhodium-Capital-Advisors-LLC-Final-Suspension-Order.pdf) Fredrick Schulman Briarcliff Manor New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Fredrick-Schulman-Final-Suspension-Order.pdf) + + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - … + - [Next](?page=1) + - [Last](?page=20) + + If you have questions about the Suspended Counterparty Program generally, or about a specific action listed below, please direct your inquiry to the following address: [SuspendedCounterpartyProgram@fhfa.gov](mailto:SuspendedCounterpartyProgram@fhfa.gov). + + Last updated on January 20, 2026 + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/11506","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUdFuxCAM-yFaPgmF4nbsgFQkXK_7-tH2Jk26nfYSiO0I7Hioojo8VhYEN8fUW7HUlJ00n6Ma_7dkQUGlZHyir936yCN90sNMXGEnzisXFJVx_phpGGbmPvSG_EDlN9RKCwaNmnAJQm0rpVHJJwhXNXhoiuX2Qzxbc0xbZIpp6C5kqnHVyOXCl8SeOqF71y4XJk1WlND9TdzK4XelqhHiUhQ9NS5Hmez5r-ONISNEGnpRk2jnpi50Ad9Rd9tNTJyM7KLI1pPANNmCuONq50oZG9ebuUdsYs96xfcbyBxaN342LpDSuYOq9gUxG_zMNdvnOSIh9xjHAO0ZyCh0x78i5WVJ72UZIn0dL_xRvgHRWOMJ","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/suspended-counterparties-list":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs [Policy](/policy) + + - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![Sidewalk on the Tidal Basin with Washington Monument in the background](/sites/default/files/styles/desktop_hero/public/2025-04/hero-3.jpg.webp?itok=riiM1izY) + + # Testimonies + + Congressional testimonies that offer valuable insights from FHFA leadership. + + ## Breadcrumb + + - [Home](/) + - [News](/news) + - Testimonies + + + + - [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + + #### Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + ## Search & Filter + + Keyword + + Date Range From: + + To: + + Items per page 10 25 50 + + - Testimony + + July 20, 2022 + + ## [Statement of Sandra L. Thompson, FHFA Director, Before the House Committee on Financial Services](/news/testimony/statement-of-sandra-l.-thompson-fhfa-director-before-the-house-committee-on-financial-services) + + Written Testimony Sandra L. Thompson, Director​ Federal Housing Finance Agency ​House Committee on Financial Services “Housing in America: Oversight of the Federal Housing Finance Agency" Wednesday, July 20, 2022 Chairwoman Waters, Ranking Member McHenry, and distinguished members of the Committee... + - Testimony + + January 13, 2022 + + ## [Statement of Sandra L. Thompson, FHFA Acting Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-sandra-l.-thompson-fhfa-acting-director-before-the-u.s.-senate-committee-on-banking) + + ​​Testimony of Sandra L. Thompson Nominee to be the Director of the Federal Housing Finance Agency Before the Committee on Banking, Housing, and Urban Affairs United States Senate January 13, 2022 ​Chairman Brown, Ranking Member Toomey, and members of the Committee. I first want to thank President... + - Testimony + + April 15, 2021 + + ## [Written Testimony of Daniel E. Coates, Senior Associate Director, FHFA Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/news/testimony/written-testimony-of-daniel-e.-coates-senior-associate-director-fhfa-before-house-financial-services) + + ​​Chairman Sherman, Ranking Member Huizenga, and distinguished members of the Subcommittee, thank you for the opportunity to appear at today’s hearing. My name is Dan Coates. I serve as the Senior Associate Director of Risk Analysis and Modeling in the Federal Housing Finance Agency’s (FHFA)... + - Testimony + + September 10, 2019 + + ## [Statement of Dr. Mark A. Calabria, FHFA Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-dr.-mark-a.-calabria-fhfa-director-before-the-u.s.-senate-committee-on-banking-housing-0) + + Testimony Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs “Housing Finance Reform: Next Steps" Dr. Mark A. Calabria – Director, Federal Housing Finance Agency Tuesday, September 10, 2019 Chairman Crapo, Ranking Member Brown, and distinguished members of the Committee, thank... + - Testimony + + May 23, 2018 + + ## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-1) + + Statement of Melvin L. Watt Director, Federal Housing Finance Agency "Ten Years of Conservatorship: The Status of the Housing Finance System" Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs May 23, 2018 Chairman Crapo, Ranking Member Brown, and Members of the Committee, thank... + - Testimony + + May 11, 2017 + + ## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-0) + + Chairman Crapo, Ranking Member Brown, and members of the Committee, thank you for your invitation for me to discuss the critically important and timely hearing subject "The Status of the Housing Finance System After Nine Years of Conservatorship" and to answer any questions you may have about the... + - Testimony + + June 9, 2016 + + ## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the California Legislature, Keeping Up with PACE](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-california-legislature-keeping-up) + + Statement before the California Legislature Assembly Banking and Finance Committee and Assembly Local Government Committee Keeping Up with PACE: A Joint Oversight Hearing on Residential Property Assessed Clean Energy (PACE) Programs Chair Dababneh, Chair Eggman, Vice Chair Allen, Vice Chair Waldron... + - Testimony + + December 8, 2015 + + ## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. House of Representatives Committee on Financial Services](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-house-of-representatives-committee-on-0) + + Chairman Hensarling, Ranking Member Waters, and members of the Committee, thank you for the opportunity to testify today about the Financial Stability Oversight Council (FSOC). Next month will mark the two year anniversary of my participation in FSOC. During that time, FSOC has designated one... + - Testimony + + April 7, 2015 + + ## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the Nevada State Legislature Judiciary Committee](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-nevada-state-legislature-judiciary) + + ​Chairman Brower and members of the Committee, thank you for the opportunity to appear before you today to address Senate Bill 306, which makes certain revisions to the Uniform Common Interest Ownership Act as adopted in Nevada. SB 306 makes important changes to the law regarding the appropriate... + - Testimony + + December 10, 2013 + + ## [Housing Finance Reform: Fundamentals of Transferring Credit Risk in a Future Housing Finance System](/news/testimony/housing-finance-reform-fundamentals-of-transferring-credit-risk-in-a-future-housing-finance-system) + + Statement of Wanda DeLeo, Deputy Director, Division of Conservatorship Federal Housing Finance Agency Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs December 10, 2013 Chairman Johnson, Ranking Member Crapo, and members of the Committee, my name is Wanda DeLeo and I am the... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [Next](?page=1) + - [Last](?page=3) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34886","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - The Ombudsman + + + + # The Ombudsman + + FHFA is an independent agency of the federal government that regulates and supervises the housing government-sponsored enterprises (GSEs). + +The housing GSEs are Fannie Mae, Freddie Mac, the Federal Home Loan Banks (FHLBanks), the FHLBank System’s Office of Finance, and Common Securitization Solutions, LLC (CSS). + +The FHFA Office of the Ombudsman was established pursuant to the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) and FHFA implementing [regulations](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-A/part-1213). The Office is responsible for independent, neutral consideration of complaints and appeals on matters relating to FHFA's regulation and supervision of the housing GSEs. + +The Office of the Ombudsman does not consider consumer complaints. If you are a homeowner or homebuyer with a complaint, please see our [Homeowners & Homebuyers](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions) page. + +Neither FHFA nor any FHFA employee may retaliate against a GSE or a person for submitting a complaint or appeal to the Ombudsman. + +## What the FHFA Ombudsman Does + +- Considers complaints and appeals relating to the regulation and supervision of the housing GSEs:- Complaints may be submitted by any housing GSE or by any person with a business relationship with a housing GSE; and +- Appeals may be submitted by any housing GSE; +- Conducts independent inquiries and acts as a neutral facilitator or mediator to help resolve complaints and appeals in a fair and timely manner; and +- Submits findings of fact and recommendations to the FHFA Director concerning complaints and appeals that are not resolved administratively or by consent. +## What the FHFA Ombudsman Does Not Do + +- Handle consumer complaints (if you are a homeowner or homebuyer with a complaint, please see our [Homeowner & Homebuyers page](/homeowners-and-homebuyers/mortgage-assistance/complaints-concerns-questions)); +- Facilitate or mediate disputes for which there is an existing avenue of appeal or other forum, such as matters in litigation, arbitration, or mediation; or a matter within the jurisdiction of the FHFA Office of Inspector General; +- Handle employment disputes involving the housing GSEs (any housing GSE employee should address concerns to the appropriate office within their institution). +## Are Complaints and Appeals Confidential? + +The Office of the Ombudsman will honor requests not to disclose the identity of a person submitting a complaint or appeal, or the information or materials provided by a party, except to appropriate reviewing officials or as required by law. + +## How to Contact the Ombudsman + +Complaints and appeals must be submitted in writing and include the information above. No specific form is required. + +Electronic submissions may be made at: + +[File A Complaint](/contact/ombudsman) + +Or sent by email to: [Ombudsman@fhfa.gov](mailto:Ombudsman@fhfa.gov) + +Submissions may be sent by U.S. mail to: + +**Ombudsman** +**Federal Housing Finance Agency** +**Constitution Center** +**400 7th Street, SW** +**Washington, D.C. 20219** + +For information on Accessibility and Section 508 of the Rehabilitation Act, click on this link +[Accessibility Page](/about/fhfa-policies/accessibility) + +If you have a disability and the format of any material on our Web pages interferes with your ability to access the information, please contact the Agency’s webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov) or at 202-649-3031. + +Procedures of the FHFA Office of the Ombudsman may be found here: [Ombudsman Procedures](/sites/default/files/2024-11/Ombudsman-Procedures.pdf) + +## Resources for Making Complaints on Matters Outside FHFA Ombudsman Authority + +**To report suspected fraud or find resources about suspected fraud:** + +- Contact the FHFA Office of Inspector General at 800-793-7724 **or** visit the [FHFA OIG website](http://www.fhfaoig.gov/ReportFraud); or +- Visit [FHFA's Fraud Prevention page](/programs/fraud-prevention) +**To submit complaints about institutions other than housing GSEs:** + +FHFA regulates and supervises Fannie Mae, Freddie Mac, the FHLBanks, the Office of Finance of the FHLBank System, and CSS. Other federal agencies regulate and supervise other financial institutions. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # Underserved Areas Data + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Underserved Areas Data + + + + ## Low-Income Areas and Designated Disaster Areas Data​ + +The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines "low-income area" as: (a) census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI), (b) families with income not greater than 100 percent of AMI who reside in minority census tracts, and (c) families with income not greater than 100 percent of AMI who reside in designated disaster areas. A “minority census tract” is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. Census tract level data identifying these areas are available below for 2010 and 2011 based on 2000 Census tract geography, for 2012 through 2021 based on 2010 Census tract geography, and for 2022 and subsequent years based on 2020 Census tract geography. + +​As in the previous underserved area definition, low-income area and minority census tract definitions are based on prior year metropolitan area definitions as determined by OMB. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the [Federal Emergency Management Agency​](https://www.fema.gov/disaster/declarations) (FEMA), where individual assistance payments were authorized by FEMA. Each file includes a map of the counties identified as designated disaster areas and a description of the data layout, also available separately. + +​Year ​Format **Dictionary​** **Map​** 2025 [[ZIP]](/document/lya2025.zip) [[PDF]](/document/lya_readme_2025.pdf) [[PDF]](/document/dda_map_2025.pdf) 2024 [​[ZIP]](/sites/default/files/2024-05/lya2024.zip) [​[PDF]](/sites/default/files/2024-07/LYA_README_2024.pdf) ​[[PDF]](/sites/default/files/2024-05/dda_map_2024.pdf) ​2023 [​[ZIP]](/sites/default/files/2023-10/lya2023.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2023.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2023.pdf) ​2022 [​[ZIP]](/sites/default/files/2023-10/lya2022.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2022.pdf) ​[[PDF]](/sites/default/files/2023-03/dda_map_2022.pdf) ​2021 [​[ZIP]](/sites/default/files/2023-10/lya2021.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2021.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2021.pdf) ​2020 [​[ZIP]](/sites/default/files/2023-10/lya2020.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2020.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2020.pdf) ​2019 [​[ZIP]](/sites/default/files/2023-10/lya2019.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2019.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2019.pdf) ​2018 ​[[ZIP]](/sites/default/files/2023-10/lya2018.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2018.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2018.pdf) ​2017 [[ZIP]​](/sites/default/files/2023-10/lya2017.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2017.pdf) [[PDF]](/sites/default/files/2023-10/dda_map_2017.pdf)​ 2016 [​[ZIP]](/sites/default/files/2023-10/lya2016.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2016.pdf) [[PDF]​](/sites/default/files/2023-10/dda_map_2016.pdf) ​2015 ​[[ZIP]](/sites/default/files/2023-10/lya2015.zip)​ [​[PDF]](/sites/default/files/2023-10/LYA_README_2015.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2015.pdf) 2014 [[ZIP]](/sites/default/files/2023-10/lya2014.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2014.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2014.pdf) ​2013 [[ZIP]](/sites/default/files/2023-10/lya2013.zip) [​[PDF]](/sites/default/files/2023-02/lya_readme_2013.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2013.pdf) 2012 [[ZIP]](/sites/default/files/2023-10/lya2012.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2012.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2012.pdf) 2011 [[ZIP]](/sites/default/files/2023-10/lya2011.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2011.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2011.pdf) ​2010 [[ZIP]](/sites/default/files/2023-10/lya2010.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2010.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2010.pdf) ## Geographically​​ Targeted Goal Data + +Prior to the Housing and Economic Recovery Act of 2008 (HERA), the Department of Housing and Urban Development (HUD) was responsible for the underserved areas data. HERA transferred that task to the Federal Housing Finance Agency. The former Geographically Targeted Goal ("Central Cities, Rural Areas, and Other Underserved Areas Housing Goal"), similar to the Low-Income Areas goal, was intended to achieve increased purchases by the Enterprises of mortgages financing housing in areas that are underserved in terms of mortgage credit. + +**Year** **Format/Link** Dictionary 2009 [[ZIP]](/sites/default/files/2023-10/serv2009.zip) [[PDF]](/sites/default/files/2023-10/UA_README_2009.pdf) 2008 and before Available via [HUD User Portal](https://archives.huduser.gov/portal/datasets/gse.html)​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16931","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Uniform Appraisal Dataset (UAD) Aggregate Statistics + + + + # Uniform Appraisal Dataset (UAD) Aggregate Statistics + + The Uniform Appraisal Dataset (UAD) Aggregate Statistics Data File and Dashboards are the nation’s first publicly available datasets of aggregate statistics on appraisal records, giving the public new access to a broad set of data points and trends found in appraisal reports. The UAD Aggregate Statistics for Enterprise Single-Family, Enterprise Condominium, and Federal Housing Administration (FHA) Single-Family appraisals may be grouped by neighborhood characteristics, property characteristics and different geographic levels. + +## Documentation + +[Overview](/document/uad-aggregate-statistics-data-file-overview.pdf) (10/28/2024) + +[Data Dictionary](/document/uad-aggregate-statistics-data-file-dictionary.pdf) (10/28/2024) + +[Data File Version History and Suppression Rates](/document/uad-aggregate-statistics-data-file-version-history-and-suppression-rates-v3_3.pdf) (12/18/2024) + +[Dashboard Guide](/document/UAD-Aggregate-Statistics-Dashboard-Guide-Documentation.pdf) (2/3/2025) + +## UAD Aggregate Statistics Dashboards + +The [UAD Aggregate Statistics Dashboards](/data/uad/aggregate-statistics-dashboards) are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards [here](/data/uad/aggregate-statistics-dashboards). + +## UAD Aggregate Statistics Datasets + +Notes: + +- Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R. +- All CSV files are zipped. +Enterprise Single Family Appraisals​ Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_county_v3_3.zip) 12/18/2024 Census Tracts [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_tract_v3_3.zip) 12/18/2024 Enterprise Condominium Appraisals Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_cbsa_v3_3.zip) 12/18/2024 FHA Single-Family Appraisals Format Release Date **Quarterly ​Data (2017 Q1-2024 Q3); Annual Data (2017-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_county_v3_3.zip) 12/18/2024 ## Contact + +If you have any questions or comments about the FHFA UAD Aggregate Statistics Data File or Dashboards, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov) + +## FHFA Stats Blog + +[Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california) + +[The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter) + +[2024Q2 UAD Aggregate Statistics: Median Appraised Value for Enterprise Single-Family and Condominium Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q2-uad-aggregate-statistics-median-appraised-value-for-enterprise-single-family-and-condominium) + +[2024Q1 UAD Aggregate Statistics: Volume and Median Appraised Value for Both Purchase and Refinance Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q1-uad-aggregate-statistics) + +Have Property Valuation Inequalities Diminished in Black and Hispanic/Latino Neighborhoods? + +[2023Q4 UAD Aggregate Statistics: The Median Appraised Value for Both Purchase and Refinance Appraisals Increased from a Year Ago](/blog/statistics/2023q4-uad-aggregate-statistics-median-appraised-value-both-purchase-and-refinance-appraisals) + +[FHFA Publishes 2023Q3 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023Q3-uad-aggregate-statistics) + +[FHFA Publishes 2023Q2 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023q2-uad-aggregate-statistics) + +Have R​acial and ​Ethnic Valuation Gaps in Home Purchase Narrowed? + +[New Measures in the UAD Aggregate Statistics: Opportunities to Explore Data on Comparable Properties and Structural, Lot, and Neighborhood Characteristics](/blog/statistics/new-measures-in-the-uad-aggregate-statistics) + +[Using the New UAD Aggregate Statistics Top 100 Metro Areas Dashboard to Explore Changes in Median Appraisal Values](/blog/statistics/using-the-new-uad-aggregate-statistics-top-100-metro-areas-dashboard-to-explore-changes-in-median-appraisal-values) + +[How Similar Are Appraisal Values and House Prices?](/blog/statistics/how-similar-are-appraisal-values-and-house-prices) + +[What Do the UAD Aggregate Statistics Reveal About Home Sizes During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-home-sizes-during-pandemic) + +[What Do the UAD Aggregate Statistics Reveal About Rising Home Appraisals During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-rising-home-appraisals-during-pandemic) + +[FHFA Uniform Appraisal Dataset Aggregate Statistics: A New Resource to Provide Insights on Home Valuation](/blog/statistics/fhfa-uniform-appraisal-dataset-aggregate-statistics) + +### FHFA Insights Bl​og + +[Exploring Appraisal Bias Using UAD Aggregate Statistics](/blog/insights/exploring-appraisal-bias-using-uad-aggregate-statistics) + + + +Page Updated: March 4, 2025 + + - **Other Data** + +[UAD Appraisal Level PUF](/data/uad/puf) (10/28/2024) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17691","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Uniform Appraisal Dataset (UAD) Aggregate Statistics + + + + # Uniform Appraisal Dataset (UAD) Aggregate Statistics + + The Uniform Appraisal Dataset (UAD) Aggregate Statistics Data File and Dashboards are the nation’s first publicly available datasets of aggregate statistics on appraisal records, giving the public new access to a broad set of data points and trends found in appraisal reports. The UAD Aggregate Statistics for Enterprise Single-Family, Enterprise Condominium, and Federal Housing Administration (FHA) Single-Family appraisals may be grouped by neighborhood characteristics, property characteristics and different geographic levels. + +## Documentation + +[Overview](/document/uad-aggregate-statistics-data-file-overview.pdf) (10/28/2024) + +[Data Dictionary](/document/uad-aggregate-statistics-data-file-dictionary.pdf) (10/28/2024) + +[Data File Version History and Suppression Rates](/document/uad-aggregate-statistics-data-file-version-history-and-suppression-rates-v3_3.pdf) (12/18/2024) + +[Dashboard Guide](/document/UAD-Aggregate-Statistics-Dashboard-Guide-Documentation.pdf) (2/3/2025) + +## UAD Aggregate Statistics Dashboards + +The [UAD Aggregate Statistics Dashboards](/data/uad/aggregate-statistics-dashboards) are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards [here](/data/uad/aggregate-statistics-dashboards). + +## UAD Aggregate Statistics Datasets + +Notes: + +- Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R. +- All CSV files are zipped. +Enterprise Single Family Appraisals​ Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_county_v3_3.zip) 12/18/2024 Census Tracts [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_tract_v3_3.zip) 12/18/2024 Enterprise Condominium Appraisals Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_cbsa_v3_3.zip) 12/18/2024 FHA Single-Family Appraisals Format Release Date **Quarterly ​Data (2017 Q1-2024 Q3); Annual Data (2017-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_county_v3_3.zip) 12/18/2024 ## Contact + +If you have any questions or comments about the FHFA UAD Aggregate Statistics Data File or Dashboards, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov) + +## FHFA Stats Blog + +[Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california) + +[The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter) + +[2024Q2 UAD Aggregate Statistics: Median Appraised Value for Enterprise Single-Family and Condominium Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q2-uad-aggregate-statistics-median-appraised-value-for-enterprise-single-family-and-condominium) + +[2024Q1 UAD Aggregate Statistics: Volume and Median Appraised Value for Both Purchase and Refinance Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q1-uad-aggregate-statistics) + +Have Property Valuation Inequalities Diminished in Black and Hispanic/Latino Neighborhoods? + +[2023Q4 UAD Aggregate Statistics: The Median Appraised Value for Both Purchase and Refinance Appraisals Increased from a Year Ago](/blog/statistics/2023q4-uad-aggregate-statistics-median-appraised-value-both-purchase-and-refinance-appraisals) + +[FHFA Publishes 2023Q3 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023Q3-uad-aggregate-statistics) + +[FHFA Publishes 2023Q2 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023q2-uad-aggregate-statistics) + +Have R​acial and ​Ethnic Valuation Gaps in Home Purchase Narrowed? + +[New Measures in the UAD Aggregate Statistics: Opportunities to Explore Data on Comparable Properties and Structural, Lot, and Neighborhood Characteristics](/blog/statistics/new-measures-in-the-uad-aggregate-statistics) + +[Using the New UAD Aggregate Statistics Top 100 Metro Areas Dashboard to Explore Changes in Median Appraisal Values](/blog/statistics/using-the-new-uad-aggregate-statistics-top-100-metro-areas-dashboard-to-explore-changes-in-median-appraisal-values) + +[How Similar Are Appraisal Values and House Prices?](/blog/statistics/how-similar-are-appraisal-values-and-house-prices) + +[What Do the UAD Aggregate Statistics Reveal About Home Sizes During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-home-sizes-during-pandemic) + +[What Do the UAD Aggregate Statistics Reveal About Rising Home Appraisals During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-rising-home-appraisals-during-pandemic) + +[FHFA Uniform Appraisal Dataset Aggregate Statistics: A New Resource to Provide Insights on Home Valuation](/blog/statistics/fhfa-uniform-appraisal-dataset-aggregate-statistics) + +### FHFA Insights Bl​og + +[Exploring Appraisal Bias Using UAD Aggregate Statistics](/blog/insights/exploring-appraisal-bias-using-uad-aggregate-statistics) + + + +Page Updated: March 4, 2025 + + - **Other Data** + +[UAD Appraisal Level PUF](/data/uad/puf) (10/28/2024) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17691","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - [Uniform Appraisal Dataset (UAD) Aggregate Statistics](/data/uad) + - Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) + + + + # Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) + + ### Version 2.1 (2/4/2025) + +The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) is the nation’s first publicly available appraisal-level dataset of appraisal records, giving the public new access to a selected set of data fields found in appraisal reports. The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals: + +- The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages acquired by the Enterprises. The current release includes appraisals from 2013 through 2022. +- The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022. +The UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download. + +The UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market. + +## ​Documentation + +[UAD PUF Dat​a Dictionary Version 2.1](/document/uad-puf-2.1-data-dictionary.pdf) (2/4/2025) + +[UAD PUF Version History Version 2.1](/document/uad-puf-2.1-version-history.pdf) (2/4/2025) + +[UAD PUF D​ata Documentation](/document/uad-puf-2.1-data-documentation.pdf)(2/4/2025) + +## Datasets + +### Enterprise UAD PUF + +Enterprise Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_annual_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_annual_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_annual_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_annual_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_annual_dta_v2_1.zip) 2/4/2025 **Combined Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_combined_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_combined_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_combined_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_combined_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_combined_dta_v2_1.zip) 2/4/2025 ### FHA UAD PUF + +FHA Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_annual_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_annual_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_annual_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_annual_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_annual_v1_0_dta.zip) 10/28/2024 **Combined Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_combined_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_combined_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_combined_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_combined_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_combined_v1_0_dta.zip) 10/28/2024 + +**C​​onta​ct** + +If you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov). + + + +*Page last updated: February 4, 2025​​​​​​* + + - **Presentations** + +[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​ + +**Other Data** + +[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17681","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals: + +- The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages acquired by the Enterprises. The current release includes appraisals from 2013 through 2022. +- The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022. +The UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download. + +The UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market. + +## ​Documentation + +[UAD PUF Dat​a Dictionary Version 2.1](/document/uad-puf-2.1-data-dictionary.pdf) (2/4/2025) + +[UAD PUF Version History Version 2.1](/document/uad-puf-2.1-version-history.pdf) (2/4/2025) + +[UAD PUF D​ata Documentation](/document/uad-puf-2.1-data-documentation.pdf)(2/4/2025) + +## Datasets + +### Enterprise UAD PUF + +Enterprise Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_annual_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_annual_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_annual_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_annual_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_annual_dta_v2_1.zip) 2/4/2025 **Combined Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_combined_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_combined_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_combined_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_combined_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_combined_dta_v2_1.zip) 2/4/2025 ### FHA UAD PUF + +FHA Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_annual_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_annual_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_annual_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_annual_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_annual_v1_0_dta.zip) 10/28/2024 **Combined Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_combined_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_combined_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_combined_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_combined_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_combined_v1_0_dta.zip) 10/28/2024 + +**C​​onta​ct** + +If you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov). + + + +*Page last updated: February 4, 2025​​​​​​* + + - **Presentations** + +[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​ + +**Other Data** + +[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​ + + diff --git a/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md new file mode 100644 index 0000000000000000000000000000000000000000..f2c29c112fd5eeb55dd2930fe0b83b1b4a64b0e5 --- /dev/null +++ b/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md @@ -0,0 +1,252 @@ +--- +source_url: "https://www.fhfa.gov/data/mirs" +date_accessed: "2026-01-27T17:47:56.936Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + + An official website of the United States government + + Here's how you know + + Here's how you know + + ![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + + ![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [FHFA Data](/data) + - Update On The Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS) + + + + # Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS) + + On May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index. + +As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year [Primary Mortgage Market Survey® (PMMS®)](http://www.freddiemac.com/pmms/) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS. + + + +## MIRS Transition Index + +--- + +**MIRS Transition Index** +**Release Dates** **Index Value** December 2025 6.29 November 2025 6.34 October 2025 6.57 September 2025 6.71 August 2025 6.83 July 2025 6.80 June 2025 6.61 May 2025 6.64 April 2025 6.88 March 2025 6.92 February 2025 6.59 January 2025 6.77 December 2024 6.31 November 2024 6.19 October 2024 6.48 September 2024 6.88 August 2024 6.94 July 2024 7.08 June 2024 6.87 May 2024 6.73 April 2024 6.63 March 2024 6.65 February 2024​ 6.94 January 2024​ 7.49 December 2023​ 7.56 November 2023​ 7.17 October 2023​ 6.95 September 2023​ 6.95 August 2023 6.68 July 2023​ 6.34 June 2023​ 6.26 May 2023​ 6.72 April 2023​ 6.11 March 2023 6.32​ February 2023​ 6.32​ January 2023 7.07​ December 2022 6.91​ ​​November 2022 5.88 October 2022 ​5.21​ September 2022​ ​5.50 ​August 2022 ​5.22 ​​July 2022 5.29​ June 2022​ 4.99​* +*revised​ May 2022​ 3.84​ ​April 2022 3.68​ ​March 2022​ 3.44​ ​February 2022 ​​3.09 ​January 2022 ​2.97​ [MIRS Transition Index Data File (CSV)](/document/mirs-historical-data-file) +[Historical MIRS Transition Index](/data/mirs/history) + +​​ + +## National Average Contract Mortgage Rate + +--- + +The data, tabulated and published as described above, is used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders.” This index is the successor to the index previously maintained by the former Federal Home Loan Bank Board. + +**Announcement Date** **Index Month** **Index Rate** **News Release** ​May 29, 2019 April 2019​ 4.15​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-april) ​April 30, 2019 March 2019​ ​4.36 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-march) ​March 28, 2019 February 2019​ 4.46 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-february-2019) February 28, 2019 January 2019​ ​4.60​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-january) ​January 24, 2019 December 2018​ ​4.83​ [[PAGE]​](/news/news-release/fhfa-indices-show-little-movement-in-mortgage-interest-rates-in-december) ​December 27, 2018 November 2018​ ​4.86 [​[PAGE]](/news/news-release/fhfa-index-shows-mortgage-rates-increased-in-november-2017) [Historical National Average Contract Mortgage Rate Index Values](/national-average-contract-mortgage-rate-history) + + + +## MIRS Microdata File + +--- + +[MIRS Public Use File (CSV)](/media/50751) + +[MIRS Public Use File Documentation](/document/mirs-data-dictionary) + + + +## MIRS Historical Summary Tables + +--- + +The following tables present historical summary data prior to 2008 containing Rates and Terms on Conventional Single-Family Non-farm Mortgage Loans. This survey is the nation's most comprehensive source of information on conventional mortgage rates and terms. + +**Description** **Reporting Period** **Format** Loans Closed, By Property​ Type - Table 1 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE1_may2019.xlsx) Loans Closed, By Loan Type - Table 2 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE2_may2019.xlsx) Loans Closed, 15- and 30- Year Fixed-Rate Mortgages - Table 4 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE4_may2019.xlsx) Loans Closed, By Metropolitan Statistical Area (MSA) - Table 5 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/2023-09/Table5_apr2019.xlsx) Loans Closed, By FHLB District - Table 6 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/TABLE6_apr2019.xlsx) All Homes - Table 9 A​nnual 1963 - 2018 [[XLS]](/sites/default/files/Table9-2018-by-Year.xls) Newly Built Homes - Table 10 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table10-2018-by-Year.xls) Previously Occupied Homes - Table 11 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table11-2018-by-Year.xls) Fixed-Rate Mortgages - Table 12 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table12-2018-by-Year.xls) By State - Table 15 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table15-2018-by-State-and-Year.xls) By Metropolitan Statistical Area (MSA) - Table 16 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table16-2018-by-MSA-and-Year.xls) All Homes - Table 17 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table17-2019-by-Month.xls) Newly Built Homes - Table 18 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table18-2019-by-Month.xls) Previously Occupied Homes - Table 19 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table19-2019-by-Month.xls) All Homes, Fixed-Rate Mortgages - Table 20 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table20-2019-by-Month.xls) Newly-Built Homes, Fixed-Rate Mortgages - Table 21 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table21-2019-by-Month.xls) Previously Occupied Homes, Fixed-Rate Mortgages - Table 22 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table22-2019-by-Month.xls) All Homes, Adjustable Rate Mortgages - Table 23 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table23-2019-by-Month.xls) Newly Built Homes, Adjustable Rate Mortgages - Table 24 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table24-2019-by-Month.xls) Previously Occupied Homes, Adjustable Rate Mortgages - Table 25 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table25-2019-by-Month.xls) All Homes, 15- and 30- Year Fixed-Rate Mortgages - Table 26 Monthly 1990 - 2018 [[XLS]](/sites/default/files/Table26-2019-by-Month.xls) ​​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14361","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ## Breadcrumb + + - [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - [William J. Pulte](/about/leadership/william-j-pulte) + - William J. Pulte + + + + ![Proile picture for William J. Pulte](/sites/default/files/2025-09/Director-William-J-Pulte-Portrait_0.jpg) + + # William J. Pulte, Director + + ## U.S. Federal Housing + + On March 14, 2025, William J. Pulte was sworn in as the 5th Director of U.S. Federal Housing, following his nomination by U.S. President Donald J. Trump and bipartisan confirmation by the U.S. Senate. In this role, Pulte oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. + +Before his appointment, Pulte had a longstanding career in homebuilding, housing products, and community development. In 2011, Pulte founded Pulte Capital Partners LLC, an investment firm that focuses on building and housing products. He also served on the board of Pulte Homes, a Fortune 500 company and one of the largest homebuilders in the country. + +Beyond business, Pulte is recognized for his philanthropy. Pulte founded the Blight Authority, a nonprofit organization dedicated to removing urban blight in Detroit, MI, St. Louis, MO, and Pontiac, MI. Pulte also started Twitter philanthropy, giving hundreds of thousands of dollars to numerous causes directly on Twitter (now X), and engaging millions of followers in the process. + +Pulte graduated from Northwestern University. + +function createDownloadButtonsSection() { // Create container elements with styles const outerDiv = document.createElement('div'); Object.assign(outerDiv.style, { display: 'flex', fontSize: '1.1rem', justifyContent: 'center', marginRight: '22px', marginTop: '10px' }); const innerDiv = document.createElement('div'); Object.assign(innerDiv.style, { display: 'flex', flexDirection: 'column', width: '95%' }); // Button configurations const buttonConfigs = [ { text: 'Download JPG', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem', marginTop: '1rem' } }, { text: 'Download JPG (Large)', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem' } }, { text: 'Download TIFF', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.tiff', styles: { backgroundColor: 'var(--color-fhfa-primary)' } } ]; // Create and append buttons buttonConfigs.forEach(config => { const button = document.createElement('a'); button.setAttribute('download', ''); button.className = 'usa-button'; button.href = config.href; button.textContent = config.text; // Apply styles Object.assign(button.style, config.styles); innerDiv.appendChild(button); }); // Assemble and return outerDiv.appendChild(innerDiv); return outerDiv; } // Create and add to the document const downloadSection = createDownloadButtonsSection(); document.querySelector('.profile-picture').appendChild(downloadSection); + + [![PDF file icon](/themes/custom/fhfa/images/icons/pdf-file.png) Download Full Bio](/sites/default/files/2025-09/Bio-Director-William-J-Pulte.pdf) + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/901","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + + [Research](/research) + + - [Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - [FHFA House Price Index®](/reports/house-price-index) + - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report) + - [FHLBank System at 100](/reports/fhlbank-system-at-100) + - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities) + - [FOIA Annual Report](/reports/foia-annual-report) + - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm) + - [Housing Mission Report](/reports/mission-report) + - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) + - [No FEAR Report](/reports/no-fear-report) + - [Plain Language Report](/reports/plain-language-report) + - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report) + - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees) + - [Stress Tests Reports](/reports/stress-tests-report) + + [Mortgage Translations](/mortgage-translations) + + - [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + + - [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + + Social Media + + - [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + # ​Examiner Resources + + **A Uniform Rating System - CAMELSO** + +FHFA's examiners use a uniform rating system for Fannie Mae and Freddie Mac and the Federal Home Loan Banks. + +The examiners employ a risk-focused rating system under which each regulated entity and the Office of Finance is assigned a common composite rating based on an evaluation of various aspects of its operations. [CAMELSO](/supervision/examiner-resources/camelso) + +**FHFA Policy Statement on Supervisory and Regulatory Access to Regulated Entity Privileged and Confidential Information** + +FHFA expects that regulated entities will produce all FHFA requested information and data notwithstanding privileges or other protections the regulated entity attaches to the information and data. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + + - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + + Supervision & Regulation + + - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - 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[Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + + [Programs](/programs) + + - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + + - 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[Briefs, Notes & White Papers](/research?category%5B176%5D=176) + - [NMDB Staff Working Papers](/research?category%5B941%5D=941) + - [Staff Working Papers](/research?category%5B961%5D=961) + - Resources [Reports](/reports) + + - [All Reports](/reports) + - [Annual Housing Report](/reports/annual-housing-report) + - [Annual Report to Congress](/reports/annual-report-to-congress) + - [Chief FOIA Officer Report](/reports/chief-foia-officer-report) + - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) + - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard) + - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report) + - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report) + - [FAIR Act Inventory](/reports/fair-act-inventory) + - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan) + - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan) + - 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[X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + + + + ![FHFA Building ](/sites/default/files/styles/desktop_hero/public/2023-11/homepage%20hero%20banner%20image.jpg.webp?h=4362216e&itok=ofxFuhg0) + + # ​FHFA AT-A-GLANCE + + The FHFA's mission is to ensure that Fannie Mae, Freddie Mac and the FHLBanks fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. + + The Federal Housing Finance Agency (FHFA) is an independent agency that was established by the [Housing and Economic Recovery Act of 2008](/government#HERA) (HERA). The agency is responsible for the effective supervision, regulation, and oversight of the housing mission of the [Federal National Mortgage Association (Fannie Mae)](/supervision/fannie-mae-and-freddie-mac), the [Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The FHFA's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, "the regulated entities") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. + + ## Our Mission + + Ensure the regulated entities fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for the housing finance market throughout the economic cycle. + + ## Our Vision + +For FHFA’s supervisory, regulatory, and mission-related activities to support a reliable, stable, equitable, and liquid U.S. housing finance system. + + ## Our Strategic Goals + +- Ensuring safe and sound regulated entities through world-class supervision; +- Fostering competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets; and +- Positioning the Agency as a model of operational excellence by strengthening its workforce and infrastructure. + + ## Our Values + + - ## Fairness + + We value varied perspectives and thoughts and treat others with impartiality. + + - ## Integrity + + We are committed to the highest ethical and professional standards to inspire trust and confidence in our work and in one another. + + - ## Accountability + + We are responsible for carrying out our work with transparency and professional excellence. + + - ## Respect + + We treat others with dignity, share information and resources, and collaborate. + + ## Oversight + + Together, [Fannie Mae](http://www.fanniemae.com/portal/index.html), [Freddie Mac](http://www.freddiemac.com/), and the [FHLBank System](http://www.fhlbanks.com/) provide more than $8.1 trillion in funding for the U.S. mortgage markets and financial institutions. + +### Managing the [Conservatorships](/conservatorship) of Fannie Mae and Freddie Mac + +In addition to prudential supervision and regulation of Fannie Mae and Freddie Mac, since 2008 FHFA has overseen the conservatorships of the Enterprises, in part through a scorecard that FHFA releases annually. + +### Federal Home Loan Bank System + +The [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) was created by the Federal Home Loan Bank Act as a government sponsored enterprise to support mortgage lending and related community investment. + +The FHLBank System provides its members (thrift institutions, commercial banks, credit unions, insurance companies, and certified community development financial institutions) with a source of funding for mortgages and asset-liability management, liquidity for their short-term needs, and additional funds for housing finance and community development. Approximately 80 percent of U.S. lending institutions rely on the FHLBanks. + +FHFA conducts annual examinations and regular monitoring of the FHLBanks and the Office of Finance. In addition, FHFA oversees the FHLBanks' affordable housing and community investment activities. This includes FHLBank allocations for the [Affordable Housing Program](/programs/affordable-housing), which provides funding for affordable rental housing and down payment assistance. + +Image + + ![US map showing the states associated with each of the 11 Federal Home Loan Bank Districts](/sites/default/files/styles/large/public/2025-09/11FederalHomeLoanBankDistricts.jpg?itok=l8wVotfE) + + *View*[*PDF version*](/sites/default/files/2025-09/11FederalHomeLoanBankDistricts.pdf)*of 11 Federal Home Loan Bank Districts map.* + +## Financial Stability Oversight Council + +FHFA is a member agency of the [Financial Stability Oversight Council](http://www.treasury.gov/initiatives/fsoc/Pages/home.aspx). The Council is charged with identifying risks to the financial stability of the United States, promoting market discipline, and responding to emerging risks to the stability of the U.S. financial system. + +The Council has 15 members. In addition to the Director of FHFA, the Council members are: + +- the Secretary of the Treasury who serves as the Chair of the Council; +- the Chairman of the Board of Governors of the Federal Reserve System; +- the Comptroller of the Currency (OCC); +- the Director of the Consumer Financial Protection Bureau (CFPB); +- the Chairman of the Securities and Exchange Commission (SEC); +- the Chairman of the Federal Deposit Insurance Corporation (FDIC); +- the Chairman of the Commodity Futures Trading Commission (CFTC); +- the Chairman of the National Credit Union Administration (NCUA); +- an independent member with insurance expertise who is appointed by the President and confirmed by the Senate for a six-year term. +- the Director of the Office of Financial Research; +- the Director of the Federal Insurance Office; +- a state insurance commissioner designated by the state insurance commissioners; +- a state banking supervisor designated by the state banking supervisors; and +- a state securities commissioner (or officer performing like functions) designated by the state securities commissioners. + + +*Page last updated: March 8, 2024*​​​​​ + + Sign up for email updates + + Leave this field blank + + *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + + ## Footer Highlighted + + - [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + + --- + + - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + + ## Footer + + - [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + + {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/711","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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a/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae.md b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae.md new file mode 100644 index 0000000000000000000000000000000000000000..9cff93b6e6b21f94cd18b78675b0416048338150 --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae.md @@ -0,0 +1,50 @@ +--- +title: "Uniform Appraisal Dataset | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:45:42.728Z" +selector: ".container.color-trigger--white.fm-layout--placemat.swoosh-right.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae" +--- + +Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_3_20people_20talking.svg) + + [Announcements](#uad-announcements) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail) + + ![image](Uniform_Appraisal_Dataset___Fannie_Mae_UMDP_20logo_20May_202021.png) + + diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_rot1v2.md b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_rot1v2.md new file mode 100644 index 0000000000000000000000000000000000000000..e4505599181095415fc6f21a4168ddea51a205ef --- /dev/null +++ b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_rot1v2.md @@ -0,0 +1,498 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-36-resources" +date_accessed: "2026-01-27T17:45:43.147Z" +--- + +[Skip to main content](#main-content) + + > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav + + Toggle navigation - - [Home](https://www.fanniemae.com/) + - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting) + - [Pricing & 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Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar 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atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', 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Single-Family Business + + ## FM Site Nav + + [Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + + [Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); + + // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; } + + + + []() + + - [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + + Delivering + + # Uniform Appraisal Dataset + + Improving the quality and consistency of appraisal data + + Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + + **Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg) + + [Announcements](#uad-announcements) + + ![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg) + + [Get Started with UAD 3.6](#uad-36-resources) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg) + + [UAD 3.6 Documentation](#uad-documentation) + + ![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + + [UAD 2.6 and Resources](#uad-26-resources) + + #### Lender Preparedness Webinar Recording + + []() × + + > *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + + ![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail) + + ![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png) + + + + ## []()Announcements + + ### + + Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. + + UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + + UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + + The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. + + Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + + After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). + + [View all announcements](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset/uniform-appraisal-dataset-announcements) + + ## []()Get started with UAD 3.6 + + ### + + ##### UAD 3.6 Selling Guide Supplement + + Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide. + + [Learn more **](/media/42571/display) + + ##### UAD and Forms Redesign Timeline + + Detailed timeline outlines specific dates for each implementation phase to help the industry prepare. + + [Learn More **](https://singlefamily.fanniemae.com/media/25391/display) + + ##### Industry Training for the New UAD and URAR + + New URAR course educates industry on the dynamic appraisal reports and updated dataset. + + [Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html) + + ##### Lender Readiness Kit + + This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit) + + ##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR + + Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. + + [Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type) + + ##### Frequently Asked Questions + + Provides answers to common questions about the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + + ##### Limited Production Period Overview + + Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + + ##### Limited Production Period Lender Readiness Questionnaire + + Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + + ##### Combined Sample Scenarios + + Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + + ##### Condition and Quality Rating Definitions PDF + + PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + + [Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + + ##### Partner Playbook + + Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + + [Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + + ##### Servicer Preparedness + + Prepares servicers for the transition for UAD 3.6. + + [Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + + ##### Inspection and Reporting Tips + + Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6 + + [Learn more **](/media/43946/display) + + + + ** + + ** + + /* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation** + +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + + ### + + - Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + + This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + + [**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + + This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + + [**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + + This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids. + + [**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + + This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + + [**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + + This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + + [**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + + This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report. + + [**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + [**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification) + + This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + + [**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide) + + The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + + [**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout) + + This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality. + + [**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files) + + This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + + [**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + + This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + + [**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + + This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + + [**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + + This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + + + + [**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + + The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + + + + ## Now Showing: UAD - The Movie + + Learn more about how this multi-year project will enhance appraisal data quality and consistency. + + [Watch Video](https://youtu.be/A-7GhWtLLBo) + + [See Infographic](/media/document/pdf/uad-infographic) + + ![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + + ## []()**UAD 2.6 and Resources** + + ##### Legacy Documentation + + The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + + ##### Related Links + + - [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) + + ##### Related Applications + + - [Collateral Underwriter® (CU®)](/applications-technology/collateral-underwriter) + - [Uniform Collateral Data Portal® (UCDP®)](/applications-technology/uniform-collateral-data-portal) + + campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + + + + ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + + ### Have questions? + + Get answers to your policy and guide questions, straight from the source. + + [Get Started **](/applications-technology/ask-poli) + + ###### Work with Fannie Mae + + - [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + + ###### Products & Solutions + + - [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + + ###### Support & Resources + + - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + + ###### Other Sites + + - [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + + .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + + jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); + + ## Social media + + - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + + ## Footer menu + + - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + + © 2026 Fannie Mae diff --git a/Uniform_Appraisal_Dataset___Fannie_Mae/links/_/Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_/Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail new file mode 100644 index 0000000000000000000000000000000000000000..2dc1757479c31f5b83927bb5009faf7f231856d8 Binary files /dev/null and b/Uniform_Appraisal_Dataset___Fannie_Mae/links/_/Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail differ