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+
+ # 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
+
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+
+ [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)
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Public_Use_Database___FHFA/links/_.md/FHFA_Annual_Performance_Plan___U_S__FEDERAL_HOUSIN_hi3ye.md

@@ -0,0 +1,213 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-annual-performance-plan"
+date_accessed: "2026-01-27T17:54:20.434Z"
+---
+
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+
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+ Here's how you know
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+ ![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**   
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+
+ [Research](/research)
+
+ - [Briefs, Notes & White Papers](/research?category%5B176%5D=176)
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+ - [Staff Working Papers](/research?category%5B961%5D=961)
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+
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+ - [Annual Housing Report](/reports/annual-housing-report)
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+ - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks)
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+ # 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*
+
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Public_Use_Database___FHFA/links/_.md/FHFA_Data___FHFA_4j5y5c.md

@@ -0,0 +1,231 @@
+---
+source_url: "https://www.fhfa.gov/data"
+date_accessed: "2026-01-27T17:54:20.535Z"
+---
+
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+
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+
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+
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+
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+
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+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
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+ - [Do Business with Us](/about/do-business-with-us)
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+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
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+ - [Contact Us](/contact)
+
+ Supervision & Regulation
+
+ - [Advisory Bulletins](/advisory-bulletin)
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+ - [​Examiner Resources](/supervision/examiner-resources)
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+ - [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)
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+ - [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)
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+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
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+
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+
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+
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+ - [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
+
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+
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+
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+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
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+
+ ## Footer
+
+ - [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
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+ - [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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/FHFA_Data___FHFA_p12zaa.md

@@ -0,0 +1,231 @@
+---
+source_url: "https://www.fhfa.gov/data"
+date_accessed: "2026-01-27T18:10:30.807Z"
+---
+
+> *[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)
+
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+
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+
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+
+ *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
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+
+ - [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​​*
+
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+
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+
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+
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+
+ - [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
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+
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+
+ ## Footer
+
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+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
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+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
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Public_Use_Database___FHFA/links/_.md/FHFA_House_Price_Index____FHFA_15i6p.md

@@ -0,0 +1,272 @@
+---
+source_url: "https://www.fhfa.gov/data/hpi"
+date_accessed: "2026-01-27T17:54:20.632Z"
+---
+
+> *[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. 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
+
+ 
+
+ ![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, '<sup>®</sup>'); } }); 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)
+
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
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+ 
+
+ # 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, '<sup>®</sup>'); } }); 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)
+
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Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md

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+ # FHFA Mortgage Loan and Natural Disaster Dashboard Blog: A Case Study of Hurricane Beryl
+
+ Published:
+
+ 09/09/2024
+
+ 
+
+ This week, FHFA released the [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster) that enables users to assess the impact of natural disaster risk on vulnerable communities as well as the distribution of physical hazard risk for 2022 loan acquisitions by FHFA’s regulated entities.
+
+## **Data**
+
+This dashboard combines three data sources. The first, FHFA’s Public Use Database (PUDB), reports single-family and multifamily acquisitions for Fannie Mae and Freddie Mac (the Enterprises), and the Federal Home Loan Banks (FHLBanks). The single-family dataset contains loan-level data on the number of loans and acquisition unpaid principal balance (UPB). The multifamily dataset contains property-level data on the number of properties and acquisition UPB. The FHLBank dataset contains loan counts and acquisition UPB for single-family loans acquired by the FHLBanks. The smallest geographic area available is the 2020 census tract. The dashboard uses the most recent PUDB release from 2022.
+
+The second source is the Federal Emergency Management Agency’s (FEMA) National Risk Index (NRI). The NRI is a dataset and tool that maps 18 different natural hazards at the 2020 census-tract level.[[1]](#ftn1) The 18 hazards include coastal flooding, drought, hurricane, and wildfire, among others. The NRI also includes measures of social vulnerability and community resilience. These measures provide information about a community’s susceptibility to natural hazards as well as its ability to recover. The dashboard uses the most recent data from March 2023.
+
+The third source is FHFA’s Duty to Serve 2023 high-needs rural areas counties data. High-needs rural areas include regions that are in a “rural area” and Middle Appalachia, the Lower Mississippi Delta, a colonia census tract, and tracts located in a persistent poverty county and not in one of the previous three categories.[[2]](#ftn2)
+
+The dashboard uses loan counts and acquisition UPB aggregated to the 2020 census-tract level. This census-tract level data from the PUDB has been merged with the NRI data. Then, the high-needs county designations from FHFA’s Duty to Serve program are merged into these data. These data include estimated damages from disasters for buildings, population, and agriculture. Thus, locations with more buildings, population, and agriculture will have relatively higher damages. These data do not include insurance coverage and do not necessarily represent potential credit losses for FHFA’s regulated entities.
+
+## **Insights on Hurricanes**
+
+Atlantic Hurricane season starts June 1 and ends November 30. However, most hurricane activity occurs from mid-August to mid-October.[[3]](#ftn3) For 2024, the National Oceanic and Atmospheric Administration (NOAA) predicted an above-normal season with 85 percent probability. NOAA notes that this is “due to a confluence of factors, including near-record warm ocean temperatures in the Atlantic Ocean, [and] development of La Niña conditions in the Pacific” among other factors.[[4]](#ftn4) This blog post evaluates potential risks to loans acquired by the Enterprises and the FHLBanks in 2022 and their hurricane risk exposure. Note that in this dashboard, we only evaluate acquisitions in 2022 rather than the total portfolio of the Enterprises and the FHLBanks. Some loans acquired in 2022 may no longer be active in the Enterprises and the FHLBanks’ books of business in 2024.
+
+## **NRI on Hurricane Risk**
+
+The NRI uses NOAA’s HURDAT2 Best Track Data Archive.[[5]](#ftn5) This dataset includes information on Atlantic and Pacific tropical cyclones, such as geospatial data on the path of previous storms, windspeed, central pressure, and hurricane size. The NRI identifies hurricane exposure based on historic hurricane paths. Then, to calculate historic loss ratios, the NRI incorporates data from SHELDUS at the county level for buildings expected to be impacted by hurricanes.[[6]](#ftn6) Next, the NRI calculates expected annual loses by calculating exposure probability multiplied by frequency multiplied by historic loss ratios.[[7]](#ftn7)
+
+Composite risk scores factor in Expected Annual Losses (EALs) from physical risk, social vulnerability, and community resilience. Hurricane risk in the continental United States is concentrated in the gulf states and the east coast.
+
+## **2022 Acquisitions by the Enterprises and FHLBanks and Hurricane Risk**
+
+Fannie Mae, Freddie Mac, and the FHLBanks acquired 3,838,894[[8]](#ftn8) single-family loans in 2022 for a total of almost $1.2 trillion in acquisition UPB. Fannie Mae and Freddie Mac acquired 8,016 multifamily properties in 2022 for a total of over $133 billion in acquisition UPB.
+
+Stakeholders can use the dashboard to evaluate the distribution of acquisitions by the Enterprises and FHLBanks in 2022 and hurricane risk as defined by the NRI. Figure 1 shows this distribution. Of all single-family loan acquisitions, 5.22 percent ($60.8 billion in UPB) were in very high-risk-tracts, and 7.22 percent ($84.1 billion in UPB) were in relatively-high-risk tracts. Of all acquisitions in Duty to Serve high-needs rural counties, 4.41 percent ($1.02 billion in UPB) were in very-high-risk-tracts and 9.11 percent ($2.11 billion in UPB) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is slightly lower than in overall single-family acquisitions in 2022 (4.41 percent versus 5.22 percent).
+
+Of all multifamily property acquisitions, 4.78 percent ($6.38 billion) were in very high-risk-tracts, and 8.68 percent ($11.59 billion) were in relatively-high-risk tracts. Of all multifamily acquisitions in Duty to Serve high-needs rural counties, 5.87 percent ($0.06 billion) were in very-high-risk-tracts and 15.23 percent ($0.16 billion) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is higher than in overall multifamily acquisitions in 2022 (5.87 percent versus 4.78 percent) but the dollar-value of acquisitions is relatively low in comparison to the overall books of business.
+
+
+
+![Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk](/sites/default/files/2024-09/Figure-1-Distribution-of-2022-Acquisitions-by-the-Enterprises-and-FHLBanks-by-Hurricane-Risk.png)
+
+*Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk*
+
+
+
+## **Hurricane Beryl**
+
+Hurricane Beryl was the first hurricane to make landfall in the United States in 2024. Hurricane Beryl landed near Matagorda, Texas at 4:00am on July 8 as a Category 1 hurricane.[[9]](#_ftn9) On July 9, a presidential disaster declaration was issued for Texas. All areas in the state are eligible for assistance under FEMA’s hazard mitigation grant program. Figure 2 shows counties eligible for individual or public assistance. There are 17 counties eligible for individual assistance (listed in red): Brazoria, Chambers, Fort Bend, Galveston, Harris, Jackson, Jasper, Jefferson, Liberty, Matagorda, Montgomery, Nacogdoches, Orange, Polk, San Jacinto, Walker, and Wharton counties.
+
+
+
+![Figure 2: Texas Disaster Declaration for Hurricane Beryl](/sites/default/files/2024-09/Figure-2-Texas-Disaster-Declaration-for-Hurricane-Beryl.png)
+
+*Figure 2: Texas Disaster Declaration for Hurricane Beryl*
+
+Source: [https://gis.fema.gov/maps/dec_4798.pdf](https://gis.fema.gov/maps/dec_4798.pdf)
+
+
+
+![Figure 3: Distribution of Hurricane Risk for Acquired UPB in Texas](/sites/default/files/2024-09/Figure-3-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas.png)
+
+Figure 3: Distribution of Hurricane Risk for Acquired UPB in Texas
+
+
+
+![Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance](/sites/default/files/2024-09/Figure-4-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas-in-Counties-Eligible-for-Individual-Assistance.png)
+
+Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance
+
+
+
+In the dashboard, users can evaluate the distribution of acquired UPB and hurricane risk in the state of Texas versus the counties with the presidential disaster declaration. In 2022, the Enterprises and the FHLBanks acquired 356,786 single-family loans in Texas for a total of approximately $105.4 billion in acquired UPB.[[10]](#ftn10) Figure 3 shows the distribution of 2022 acquired single-family UPB in Texas by hurricane risk. By the NRI ratings for hurricanes, 22.47 percent of acquired single-family UPB in the state was in either very-high or relatively-high-risk census tracts.
+
+Figure 4 shows the distribution of risk in the 17 counties eligible for individual assistance. In these counties, 82.13 percent of acquired single-family UPB was in very-high or relatively-high-risk census tracts. Historically these locations near the Gulf Coast have experienced more hurricanes than counties further inland in the state. As a result, these counties tend to have higher exposure to hurricane risk.
+
+By using the “National Risk Index Chart,” users can compare how hurricane risk in Texas in the NRI compares to hurricane risk in the United States overall. The average national hurricane risk in the NRI is 50.0 and the average for Texas is 56.2, suggesting that relative to all other tracts in the country, Texas contains tracts that are on average, just above the median risk.
+
+## **Disaster Assistance**
+
+Fannie Mae and Freddie Mac have resources to help borrowers impacted by natural disasters. If your mortgage is backed by either Fannie Mae or Freddie Mac and your ability to repay your mortgage has been affected by a disaster, please see more information [here](https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) about ways to get help.
+
+
+
+---
+
+[1] Learn more and download FEMA’s NRI [here](https://hazards.fema.gov/nri/learn-more).
+
+[2] Learn more about FHFA’s Duty to Serve high-needs rural areas designations and the FHFA Duty to Serve data [here](https://www.fhfa.gov/data/duty-to-serve/eligibility-data).
+
+[3] See NOAA website [here](https://www.nhc.noaa.gov/climo/#:~:text=The%20official%20hurricane%20season%20for,%2DAugust%20and%20mid%2DOctober.)
+
+[4] See NOAA article on 2024 Hurricane Season [here](https://www.noaa.gov/news-release/noaa-predicts-above-normal-2024-atlantic-hurricane-season).
+
+[5] See page 196 of the NRI’s technical documentation [here](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details.
+
+[6] See page 206 of the same document in footnote 6.
+
+[7] See page 210 of the same document in footnote 6.
+
+[8] The data in the dashboard represent the complete merged dataset. Some census tracts in the PUDB are not represented in the NRI, thus estimates of acquisitions and UPB will be slight underestimates.
+
+[9] See National Hurricane Center report on Hurricane Beryl’s landing [here](https://www.nhc.noaa.gov/archive/2024/al02/al022024.public.039.shtml?).
+
+[10] This estimate was calculated using the “Acquisition” tab in the dashboard and selecting Texas from the state drop down menu.
+
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+ - [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\/34296","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/FHFA_Performance_and_Accountability_Report___U_S___fmkocr.md

@@ -0,0 +1,215 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-performance-and-accountability-report"
+date_accessed: "2026-01-27T17:54:20.754Z"
+---
+
+> *[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. 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 Performance and Accountability Report
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Reports](/reports)
+ - FHFA Performance and Accountability Report
+
+ 
+
+ This report details FHFA’s activities as regulator of the Federal Home Loan Bank System and as regulator and conservator of Fannie Mae and Freddie Mac over the fiscal 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/256&order=field_release_date&sort=asc)  Report  Attachment  January 23, 2026  [Performance and Accountability Report 2025](/reports/fhfa-performance-and-accountability-report/2025)  [Read Report](/document/FHFA-2025-PAR.pdf)  November 15, 2024  [Performance and Accountability Report 2024](/reports/fhfa-performance-and-accountability-report/2024)  [Read Report](/document/fhfa-fy-2024-performance-and-accountability-report)  November 15, 2023  [Performance and Accountability Report 2023](/reports/fhfa-performance-and-accountability-report/2023)  [Read Report](/document/fhfa-2023-par.pdf)  November 15, 2022  [Performance and Accountability Report 2022](/reports/fhfa-performance-and-accountability-report/2022)  [Read Report](/document/performance-and-accountability-report-2022)  November 15, 2021  [Performance and Accountability Report 2021](/reports/fhfa-performance-and-accountability-report/2021)  [Read Report](/document/performance-and-accountability-report-2021)  November 16, 2020  [Performance and Accountability Report 2020](/reports/fhfa-performance-and-accountability-report/2020)  [Read Report](/document/fhfa-2020-par)  November 19, 2019  [Performance and Accountability Report 2019](/reports/fhfa-performance-and-accountability-report/2019)  [Read Report](/document/fhfa-par-2019)  November 15, 2018  [Performance and Accountability Report 2018](/reports/fhfa-performance-and-accountability-report/2018)  [Read Report](/document/fhfa-par-2018)  November 15, 2017  [Performance and Accountability Report - 2017](/reports/fhfa-performance-and-accountability-report/2017)  [Read Report](/document/fhfa-par-2017)  November 15, 2016  [Performance and Accountability Report - 2016](/reports/fhfa-performance-and-accountability-report/2016)  [Read Report](/document/fhfa-par-2016)  November 16, 2015  [Performance and Accountability Report - 2015](/reports/fhfa-performance-and-accountability-report/2015)  [Read Report](/document/fhfa-par-2015)  November 17, 2014  [Performance and Accountability Report - 2014](/reports/fhfa-performance-and-accountability-report/2014)  [Read Report](/document/fhfa-par-2014)  December 16, 2013  [Performance and Accountability Report - 2013](/reports/fhfa-performance-and-accountability-report/2013)  [Read Report](/document/performance-and-accountability-report-2013)  November 15, 2012  [Performance and Accountability Report - 2012](/reports/fhfa-performance-and-accountability-report/2012)  [Read Report](/document/performance-and-accountability-report-2012)  November 14, 2011  [Performance and Accountability Report (Revised) - 2011](/reports/fhfa-performance-and-accountability-report/2011)  [Read Report](/document/performance-and-accountability-report-2011)  November 15, 2010  [Performance and Accountability Report - 2010](/reports/fhfa-performance-and-accountability-report/2010)  [Read Report](/document/performance-and-accountability-report-2010)  November 16, 2009  [Performance and Accountability Report - 2009](/reports/fhfa-performance-and-accountability-report/2009)  [Read Report](/document/performance-and-accountability-report-2009)  November 17, 2008  [Performance and Accountability Report - 2008](/reports/fhfa-performance-and-accountability-report/2008)  [Read Report](/document/federal-housing-finance-agency-key-management-officials)  November 15, 2007  [2007 OFHEO Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2007)  [Read Report](/document/ofheo-performance-and-accountability-report-2007)  November 15, 2005  [2005 Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2005)  [Read Report](/document/ofheo-performance-and-accountability-report-2005)
+
+ 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\/256","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-performance-and-accountability-report":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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:26307ba9978623f8eeab76def74c8eeb6bd11f6413a8a5512b15afd4d6b217c9":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"256","view_path":"\/taxonomy\/term\/256","view_base_path":null,"view_dom_id":"26307ba9978623f8eeab76def74c8eeb6bd11f6413a8a5512b15afd4d6b217c9","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/FHFA_Policies___FHFA_7h7f2.md

@@ -0,0 +1,211 @@
+---
+source_url: "https://www.fhfa.gov/about/fhfa-policies"
+date_accessed: "2026-01-27T17:54:20.254Z"
+---
+
+> *[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. 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)
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Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_9s2eix.md

@@ -0,0 +1,238 @@
+---
+source_url: "https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions"
+date_accessed: "2026-01-27T18:10:34.566Z"
+---
+
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+
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+
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+ - FHFA Releases Data Visualization Dashboard For Enterprises’ Multifamily Mortgage Acquisitions
+
+ 
+
+ News Release
+
+ # FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions
+
+ for immediate release
+
+ 09/17/2024
+
+ **Washington, D.C.** – The Federal Housing Finance Agency (FHFA) released an interactive tool for tracking data on multifamily mortgages that enables users to review details about loans and properties at both the state and national levels.
+
+ The tool, known as a data visualization dashboard, provides a more accessible way to view and understand data on multifamily mortgages. It is derived from the Public Use Database (PUDB) of mortgage acquisitions by Fannie Mae and Freddie Mac (the Enterprises).
+
+ “Multifamily properties are a vital component of the nation’s affordable housing infrastructure. Fannie Mae and Freddie Mac play important roles in providing liquidity to support multifamily financing, particularly in rural, low-and-moderate income, and minority neighborhoods.” said Director Sandra L. Thompson. “This data release exemplifies our commitment to transparency and providing user-friendly access to data on the Enterprises’ multifamily mortgage acquisitions.”
+
+ The Enterprise Multifamily PUDB Dashboard includes data snapshots of 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 three multifamily data files in the Enterprise PUDB, updated annually since 2008, including two property-level datasets and a data file on the size and affordability of individual units. The dashboard shows characteristics about multifamily loans, properties, and units at the national level, and characteristics about multifamily loans and properties at the state level.
+
+ FHFA releases the PUDB for Enterprise mortgages annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ mortgage acquisitions. The database can be found at: [https://www.fhfa.gov/pudbdata](/data/pudb).
+
+ 
+
+ [**Enterprise Multifamily Public Use Database Dashboard**](/data/dashboard/enterprise-multifamily-public-use-database)
+
+ [**Enterprise Multifamily Public Use Database**](/data/pudb)
+
+ ###
+
+ The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government-sponsored enterprises provide more than $8.4 trillion in funding for the U.S. mortgage markets and financial institutions. Additional information is available at[www.FHFA.gov](https://www.fhfa.gov/), on Twitter [@FHFA](https://twitter.com/FHFA), [YouTube](https://www.youtube.com/c/fhfachannel), [Facebook,](https://www.facebook.com/FHFA) and [LinkedIn](https://www.linkedin.com/company/fhfa).
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+ *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+ ## Footer Highlighted
+
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+
+ ## Footer
+
+ - [Accessibility](/about/fhfa-policies/accessibility)
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+ - [USA.gov](https://www.usa.gov/)
+
+ {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34306","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_tx7oog.md

@@ -0,0 +1,238 @@
+---
+source_url: "https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions"
+date_accessed: "2026-01-27T17:54:20.722Z"
+---
+
+> *[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. 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)
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+
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+ - [Conforming Loan Limit](/data/conforming-loan-limit)
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+ - [MIRS Transition Index](/data/mirs)
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+
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+
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+ - Resources  [Reports](/reports)
+
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+ - [FAIR Act Inventory](/reports/fair-act-inventory)
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+ - [FHFA House Price Index®](/reports/house-price-index)
+ - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report)
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+ - [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)
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+
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+
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
+
+ 
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [News](/news)
+ - [News Releases](/news/news-release)
+ - FHFA Releases Data Visualization Dashboard For Enterprises’ Multifamily Mortgage Acquisitions
+
+ 
+
+ News Release
+
+ # FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions
+
+ for immediate release
+
+ 09/17/2024
+
+ **Washington, D.C.** – The Federal Housing Finance Agency (FHFA) released an interactive tool for tracking data on multifamily mortgages that enables users to review details about loans and properties at both the state and national levels.
+
+ The tool, known as a data visualization dashboard, provides a more accessible way to view and understand data on multifamily mortgages. It is derived from the Public Use Database (PUDB) of mortgage acquisitions by Fannie Mae and Freddie Mac (the Enterprises).
+
+ “Multifamily properties are a vital component of the nation’s affordable housing infrastructure. Fannie Mae and Freddie Mac play important roles in providing liquidity to support multifamily financing, particularly in rural, low-and-moderate income, and minority neighborhoods.” said Director Sandra L. Thompson. “This data release exemplifies our commitment to transparency and providing user-friendly access to data on the Enterprises’ multifamily mortgage acquisitions.”
+
+ The Enterprise Multifamily PUDB Dashboard includes data snapshots of 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 three multifamily data files in the Enterprise PUDB, updated annually since 2008, including two property-level datasets and a data file on the size and affordability of individual units. The dashboard shows characteristics about multifamily loans, properties, and units at the national level, and characteristics about multifamily loans and properties at the state level.
+
+ FHFA releases the PUDB for Enterprise mortgages annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ mortgage acquisitions. The database can be found at: [https://www.fhfa.gov/pudbdata](/data/pudb).
+
+ 
+
+ [**Enterprise Multifamily Public Use Database Dashboard**](/data/dashboard/enterprise-multifamily-public-use-database)
+
+ [**Enterprise Multifamily Public Use Database**](/data/pudb)
+
+ ###
+
+ The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government-sponsored enterprises provide more than $8.4 trillion in funding for the U.S. mortgage markets and financial institutions. Additional information is available at[www.FHFA.gov](https://www.fhfa.gov/), on Twitter [@FHFA](https://twitter.com/FHFA), [YouTube](https://www.youtube.com/c/fhfachannel), [Facebook,](https://www.facebook.com/FHFA) and [LinkedIn](https://www.linkedin.com/company/fhfa).
+
+ 
+
+ **Contacts:** [MediaInq​uiries@FHFA.gov](mailto:MediaInquiries@FHFA.gov)
+
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+ - [Sitemap](/sitemap)
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+
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+ - [![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)
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+ - [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\/34306","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/FHFA_Website_Privacy_Policy___FHFA_f3201s.md

@@ -0,0 +1,398 @@
+---
+source_url: "https://www.fhfa.gov/about/fhfa-policies/website-privacy-policy"
+date_accessed: "2026-01-27T17:54:20.580Z"
+---
+
+> *[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. Share sensitive information only on official, secure websites.
+
+ 
+
+ *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
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+
+ - [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
+
+ 
+
+ ## 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/)
+
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Public_Use_Database___FHFA/links/_.md/FHFA_s_Housing_Finance_Examiner_Commission_Program_khvwgx.md

@@ -0,0 +1,217 @@
+---
+source_url: "https://www.fhfa.gov/programs/housing-finance-examiner-commission"
+date_accessed: "2026-01-27T17:54:20.515Z"
+---
+
+> *[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. 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)
+
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+
+ [Programs](/programs)
+
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+
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+
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+
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+ # 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.
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Public_Use_Database___FHFA/links/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_sqfqwc.md

@@ -0,0 +1,227 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhlbank-system-at-100"
+date_accessed: "2026-01-27T17:54:20.786Z"
+---
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+ - 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)
+
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Public_Use_Database___FHFA/links/_.md/FHLBank_Targeted_Mission_Activities___U_S__FEDERAL_rk13at.md

@@ -0,0 +1,215 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhlbank-targeted-mission-activities"
+date_accessed: "2026-01-27T17:54:20.710Z"
+---
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
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+ 
+
+ # 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 - FHLB System - 2012](/reports/fhlbank-targeted-mission-activities/2012)  [Read Report](/document/low-income-housing-and-community-development-2011-0)  April 19, 2013  [Low-Income Housing and Community Development Activities of the Federal Home Loan Bank System - 2011](/reports/fhlbank-targeted-mission-activities/2011)  [Read Report](/document/low-income-housing-and-community-development-2011)
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Public_Use_Database___FHFA/links/_.md/FOIA_Annual_Report___U_S__FEDERAL_HOUSING_zocnl.md

@@ -0,0 +1,220 @@
+---
+source_url: "https://www.fhfa.gov/reports/foia-annual-report"
+date_accessed: "2026-01-27T17:54:20.680Z"
+---
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+ - [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)
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+
+ Social Media
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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 - 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/271&order=field_release_date&sort=asc)  Report  Attachment  February 14, 2025  [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024)  [Read Report](/document/fhfa-fy2024-annual-raw-data-report.xlsx)  February 14, 2025  [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024)  [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.xml)  February 14, 2025  [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024)  [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.pdf)  March 08, 2024  [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023)  [Read Report](/document/fhfa-fy23-foia-annual-report-raw-data-xls)  March 08, 2024  [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023)  [Read Report](/document/fhfa-fy23-foia-annual-report-xml)  March 08, 2024  [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023)  [Read Report](/document/fhfa-fy23-foia-annual-report-pdf)  March 02, 2023  [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022)  [Read Report](/document/fhfa-fy22-foia-annual-report-pdf)  March 02, 2023  [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022)  [Read Report](/document/fhfa-fy22-foia-annual-report-xml)  March 02, 2023  [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022)  [Read Report](/document/fhfa-fy22-foia-annual-report-raw-data-xls)  March 03, 2022  [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021)  [Read Report](/document/fhfa-fy21-foia-annual-report-raw-data)  March 03, 2022  [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021)  [Read Report](/media/30511)  March 03, 2022  [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021)  [Read Report](/media/30516)  April 01, 2021  [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020)  [Read Report](/media/30241)  April 01, 2021  [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020)  [Read Report](/media/30236)  April 01, 2021  [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020)  [Read Report](/document/fhfa-fy20-foia-annual-report-raw-data)  March 05, 2020  [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019)  [Read Report](/document/fhfa-fy19-annual-report-raw-data)  March 05, 2020  [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019)  [Read Report](/media/30141)  March 05, 2020  [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019)  [Read Report](/media/30136)  December 31, 2018  [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018)  [Read Report](/media/29911)  December 31, 2018  [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018)  [Read Report](/media/29906)  December 31, 2018  [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018)  [Read Report](/media/29901)  March 05, 2018  [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017)  [Read Report](/media/29846)  March 05, 2018  [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017)  [Read Report](/media/29841)  February 23, 2017  [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016)  [Read Report](/media/25361)  February 23, 2017  [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016)  [Read Report](/media/25356)
+
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+
+ ## Footer Highlighted
+
+ - [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+ ---
+
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+
+ ## Footer
+
+ - [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
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+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
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Public_Use_Database___FHFA/links/_.md/FOIA___Privacy___FHFA_vcyk8h.md

@@ -0,0 +1,251 @@
+---
+source_url: "https://www.fhfa.gov/about/foia-privacy"
+date_accessed: "2026-01-27T17:54:20.287Z"
+---
+
+> *[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. 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
+
+ 
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [​FHFA AT-A-GLANCE](/about)
+ - FOIA & Privacy
+
+ 
+
+ # FOIA & Privacy
+
+ Understanding FOIA and privacy is essential for both those seeking information and government entities entrusted with its release. 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md

@@ -0,0 +1,426 @@
+---
+source_url: "https://www.linkedin.com/company/fhfa/"
+date_accessed: "2026-01-27T17:54:20.807Z"
+---
+
+[Skip to main content](#main-content) [LinkedIn](/?trk=organization_guest_nav-header-logo)  - [Top Content](https://www.linkedin.com/top-content?trk=organization_guest_guest_nav_menu_topContent)
+ - [People](https://www.linkedin.com/pub/dir/+/+?trk=organization_guest_guest_nav_menu_people)
+ - [Learning](https://www.linkedin.com/learning/search?trk=organization_guest_guest_nav_menu_learning)
+ - [Jobs](https://www.linkedin.com/jobs/search?trk=organization_guest_guest_nav_menu_jobs)
+ - [Games](https://www.linkedin.com/games?trk=organization_guest_guest_nav_menu_games)
+ - [Get the app](ms-windows-store://pdp/?ProductId=9WZDNCRFJ4Q7&mode=mini&cid=guest_nav_upsell&trk=organization_guest_guest_nav_menu_windows)
+ [Sign in](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=organization_guest_nav-header-signin) [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_nav-header-join)
+
+   `` ![Federal Housing Finance Agency’s cover photo](https://media.licdn.com/dms/image/v2/C561BAQGaccDUcpK9wg/company-background_1536_768/company-background_1536_768/0/1584300198552?e=2147483647&v=beta&t=yXDYiu1Ln1SJO3HiQSBPImpzilATkWpQbz3LryDq4IM)  ![Federal Housing Finance Agency]()
+
+ # Federal Housing Finance Agency
+
+ ## Government Administration
+
+ ### Washington, DC   59,118 followers
+
+ #### FHFA is regulator and conservator of Fannie Mae & Freddie Mac and regulator of the Federal Home Loan Bank System
+
+ [Follow](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=top-card_top-card-secondary-button-top-card-secondary-cta)
+
+ - [![image]() ![image]() ![image]()
+
+ View all 700 employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=org-employees_cta_face-pile-cta)
+
+ - [Report this company](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=top-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=COMPANY&_f=guest-reporting)
+
+ ## About us
+
+  The Federal Housing Finance Agency (FHFA) is an independent government agency responsible for overseeing $6.2 trillion in the housing finance marketplace. FHFA’s mission is to ensure a stable and reliable source of funding for homeownership in the United States by regulating Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. FHFA has acted as conservator of Fannie Mae and Freddie Mac since September 2008. As a member of the Financial Stability Oversight Council, FHFA collaborates with other regulators to create the market rules that protect and balance the interests of all stakeholders in the housing finance system, including banks, investors, and homeowners. FHFA Privacy Policy: go.usa.gov/kQh9
+
+ Website  [http://www.fhfa.gov](https://www.linkedin.com/redir/redirect?url=http%3A%2F%2Fwww%2Efhfa%2Egov&urlhash=5ICf&trk=about_website) External link for Federal Housing Finance Agency
+
+ Industry  Government Administration
+
+ Company size  501-1,000 employees
+
+ Headquarters  Washington, DC
+
+ Type  Government Agency
+
+ Founded  2008
+
+  ## Locations
+
+  - Primary  400 7th Street SW,
+
+  Washington, DC 20219, US
+
+ [Get directions](https://www.bing.com/maps?where=400+7th+Street+SW%2C+Washington+20219+DC+US&trk=org-locations_url)
+
+ ## Employees at Federal Housing Finance Agency
+
+  - [![Click here to view Kulwant Sharma, CFA, PRM’s profile]() ### Kulwant Sharma, CFA, PRM](https://www.linkedin.com/in/kulwantsharma?trk=org-employees)
+ - [![Click here to view Phillip Millman’s profile]() ### Phillip Millman](https://www.linkedin.com/in/phillipmillman?trk=org-employees)
+ - [![Click here to view Nicholas Satriano’s profile]() ### Nicholas Satriano](https://www.linkedin.com/in/nicholas-satriano-06bb39?trk=org-employees)
+ - [![Click here to view Brad Blackmon’s profile]() ### Brad Blackmon](https://www.linkedin.com/in/brad-blackmon-89b0421?trk=org-employees)
+ [See all employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=public_biz_employees-join)
+
+ ## Updates
+
+  - [](https://www.linkedin.com/posts/fhfa_twelve-month-house-price-changes-for-us-activity-7311119597905063936-U73k) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 10mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ Twelve-Month House Price Changes for U.S.
+
+ - ![No alternative text description for this image]()
+    `` `` [![image]() ![image]() 48](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``  [9 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)
+
+ [Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)
+
+ ``
+ - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-02-percent-in-january-activity-7310294777407721473-61Rk) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 10mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ U.S. house prices rose 0.2 percent in January, according to the FHFA seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 4.8 percent from January 2024 to January 2025. The previously reported 0.4 percent price growth in December was revised upward to 0.5 percent. [https://lnkd.in/eu5jy_Td](https://lnkd.in/eu5jy_Td?trk=organization_guest_main-feed-card-text)
+
+ - ![No alternative text description for this image]()
+    `` `` [![image]() ![image]() 21](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``  [1 Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)
+
+ [Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)
+
+ ``
+ - [](https://www.linkedin.com/posts/fhfa_httpslnkdineb-qdur-activity-7307882600910516227-6ZIU) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 10mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ [https://lnkd.in/e_B-QduR](https://lnkd.in/e_B-QduR?trk=organization_guest_main-feed-card-text)
+
+    `` `` [![image]() 3](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``
+
+ [Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)
+
+ ``
+ - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-45-percent-between-activity-7300185526374977537-YrBI) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 11mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ U.S. house prices rose 4.5 percent between the fourth quarter of 2023 and the fourth quarter of 2024, according to the Federal Housing Finance Agency (FHFA) House Price Index (FHFA HPI®). House prices were up 1.4 percent compared to the third quarter of 2024. FHFA’s seasonally adjusted monthly index for December was up 0.4 percent from November. [https://lnkd.in/e7yFrhZv](https://lnkd.in/e7yFrhZv?trk=organization_guest_main-feed-card-text)
+
+ - ![No alternative text description for this image]()
+    `` `` [![image]() ![image]() 30](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``  [2 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)
+
+ [Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)
+
+ ``
+ - [](https://www.linkedin.com/posts/fhfa_fhfa-released-its-november-2024-foreclosure-activity-7295123787698614273-8Jvf) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 11mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ FHFA released its November 2024 Foreclosure Prevention and Refinance Report. The report shows that Fannie Mae and Freddie Mac (the Enterprises) completed 15,888 foreclosure prevention actions during the month, raising the total number of homeowners who have been helped to 7,080,695 since the start of conservatorships in September 2008. [https://lnkd.in/e64Mw3nf](https://lnkd.in/e64Mw3nf?trk=organization_guest_main-feed-card-text)
+
+ - ![No alternative text description for this image]()
+    `` `` [![image]() ![image]() 30](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``  [2 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)
+
+ [Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)
+
+ ``
+ - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-03-percent-in-november-activity-7290014550794330114-uMNL) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+ 59,118 followers
+
+ 12mo
+
+ - [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+ U.S. house prices rose 0.3 percent in November, according to the FHFA seasonally adjusted monthly House Price Index (HPI®). House prices rose 4.2 percent from November 2023 to November 2024. The previously reported 0.4 percent price growth in October was revised upward to 0.5 percent. [https://lnkd.in/efTgmhK8](https://lnkd.in/efTgmhK8?trk=organization_guest_main-feed-card-text)
+
+ - ![No alternative text description for this image]()
+    `` `` [![image]() ![image]() 18](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) ``  `` ``  `` `` `` ``  [1 Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)
+
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+
+ ``
+  `` `` ``
+
+ 
+
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+
+ ## Similar pages
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+  - [![image]() ### U.S. Department of Housing and Urban Development
+
+  Government Administration
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+ Washington, D.C.](https://www.linkedin.com/company/hud?trk=similar-pages)
+ - [![image]() ### Fannie Mae
+
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+ Washington, District of Columbia](https://www.linkedin.com/company/fanniemae?trk=similar-pages)
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+
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+ - [![image]() ### Freddie Mac
+
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+ - [![image]() ### U.S. Department of Housing and Urban Development Office of Inspector General
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+ - [![image]() ### Navy Federal Credit Union
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+ - [![image]() ### Ginnie Mae
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+  Financial Services
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+ Washington, DC](https://www.linkedin.com/company/ginnie-mae?trk=similar-pages)
+ - [![image]() ### Capital One
+
+  Financial Services
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+ McLean, Va](https://www.linkedin.com/company/capital-one?trk=similar-pages)
+ - [![image]() ### National Low Income Housing Coalition
+
+  Public Policy Offices
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+ `` `` 

Public_Use_Database___FHFA/links/_.md/Financial_Technology__FinTech____FHFA_fowa7.md

@@ -0,0 +1,325 @@
+---
+source_url: "https://www.fhfa.gov/programs/fintech"
+date_accessed: "2026-01-27T17:54:20.531Z"
+---
+
+> *[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. 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)
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+ - [Executive Compensation](/policy/executive-compensation)
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+ - [Mortgage Servicing](/policy/mortgage-servicing)
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+
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+ - [Financial Technology](/programs/fintech)
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+
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+
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+
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+
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+
+ 
+
+ ![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​​​​​*​​​​​​​​​​​​​​​��​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
+
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Public_Use_Database___FHFA/links/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__akwes7.md

@@ -0,0 +1,220 @@
+---
+source_url: "https://www.fhfa.gov/reports/foreclosure-prevention-refinance-and-fpm"
+date_accessed: "2026-01-27T17:54:20.717Z"
+---
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+
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+
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+
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
+
+ 
+
+ # Foreclosure Prevention, Refinance, and FPM Report
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Reports](/reports)
+ - Foreclosure Prevention, Refinance, and FPM Report
+
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+ [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/296&order=field_release_date&sort=asc)  Report  Attachment  January 22, 2026  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/10)  [Read Report](/document/FPR-FPM-Report-October-2025.pdf)  December 23, 2025  [Foreclosure Prevention, Refinance, and FPM Report - 3Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q3)  [Read Report](/document/FPRR_3Q2025.pdf)  November 03, 2025  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/8)  [Read Report](/document/FPR-FPM-Report-August-2025.pdf)  October 09, 2025  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/7)  [Read Report](/document/FPR-FPM-Report-July-2025.pdf)  September 18, 2025  [Foreclosure Prevention, Refinance, and FPM Report - 2Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q2)  [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2025)  August 12, 2025  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/5)  [Read Report](/document/FPR-FPM-Report-May-2025.pdf)  July 24, 2025  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - April 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/4)  [Read Report](/document/FPR-FPM-Report-April-2025.pdf)  June 26, 2025  [Foreclosure Prevention, Refinance, and FPM Report - 1Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q1)  [Read Report](/document/FPRR_1Q2025.pdf)  May 30, 2025  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - 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 - April 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/4)  [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-april-2024)  June 21, 2024  [Foreclosure Prevention, Refinance, and FPM Report - 1Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q1)  [Read Report](/document/foreclosure-prevention-refi-fpm-report-1q2024)  May 14, 2024  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - February 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/2)  [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-february-2024)  April 15, 2024  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - January 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/1)  [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-january-2024)  March 25, 2024  [Foreclosure Prevention, Refinance, and FPM Report - 4Q2023](/reports/foreclosure-prevention-refinance-and-fpm/2023/Q4)  [Read Report](/document/foreclosure-prevention-refi-fpm-report-4q2023)  February 13, 2024  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - November 2023](/reports/foreclosure-prevention-refinance-and-fpm/2023/11)  [Read Report](/media/52396)  January 25, 2024  [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2023](/reports/foreclosure-prevention-refinance-and-fpm/2023/10)  [Read Report](/document/foreclosure-prevention-refinance-and-federal-property-managers-report-october-2023)
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+ ## Breadcrumb
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+ - Fraud Prevention
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+
+ 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.
+
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+ ​​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...
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+ - ### [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**
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+ view PDF1. Why are the Enterprises updating their minimum financial eligibility requirements for Single-Family Seller/Servicers? The updated financial requirements further impro...
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+ 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...
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+ 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...
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+ - Guarantee Fees History
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+
+ 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*
+
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+     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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Home___FHFA_1lnpub.md

@@ -0,0 +1,270 @@
+---
+source_url: "https://www.fhfa.gov/"
+date_accessed: "2026-01-27T18:10:30.844Z"
+---
+
+> *[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. 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
+
+ 
+
+ # 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Home___FHFA_me9ubi.md

@@ -0,0 +1,270 @@
+---
+source_url: "https://www.fhfa.gov/"
+date_accessed: "2026-01-27T17:54:20.634Z"
+---
+
+> *[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. 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
+
+ 
+
+ # 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Housing_Mission_Report___U_S__FEDERAL_HOUSING_8nez4va.md

@@ -0,0 +1,215 @@
+---
+source_url: "https://www.fhfa.gov/reports/mission-report"
+date_accessed: "2026-01-27T17:54:20.712Z"
+---
+
+> *[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. 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
+
+ 
+
+ # 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
+
+ - [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\/321","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\/mission-report":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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:d698aa23b63fff33bcfb4ac69aa0cf07a00ace9c19c53320b0ba187b5e9e7596":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"321","view_path":"\/taxonomy\/term\/321","view_base_path":null,"view_dom_id":"d698aa23b63fff33bcfb4ac69aa0cf07a00ace9c19c53320b0ba187b5e9e7596","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Information_Quality___FHFA_xhyqnn.md

@@ -0,0 +1,237 @@
+---
+source_url: "https://www.fhfa.gov/about/information-quality"
+date_accessed: "2026-01-27T17:54:20.288Z"
+---
+
+> *[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. 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
+
+ 
+
+ ## 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Information_Resources_Management_Strategic_Plan____eybxxl.md

@@ -0,0 +1,215 @@
+---
+source_url: "https://www.fhfa.gov/reports/information-resources-management-strategic-plan"
+date_accessed: "2026-01-27T17:54:20.723Z"
+---
+
+> *[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. 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
+
+ 
+
+ # 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)
+
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+ ## Footer Highlighted
+
+ - [About](/about)
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+
+ ## Footer
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+ - [Accessibility](/about/fhfa-policies/accessibility)
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Public_Use_Database___FHFA/links/_.md/Interpretive_Services___FHFA_rqnso5.md

@@ -0,0 +1,255 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/interpretive-services"
+date_accessed: "2026-01-27T17:54:20.463Z"
+---
+
+> *[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. 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
+
+ 
+
+ ## 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. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​*
+
+*​*
+
+*Last updated: December 2, 2022​​*
+
+ Sign up for email updates
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Public_Use_Database___FHFA/links/_.md/LIBOR_Transition___FHFA_zf6fnd.md

@@ -0,0 +1,295 @@
+---
+source_url: "https://www.fhfa.gov/supervision/libor-transition"
+date_accessed: "2026-01-27T17:54:20.418Z"
+---
+
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+
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+ 
+
+ # 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)
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+ # 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)*
+
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@@ -0,0 +1,246 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/language-translation-disclosure"
+date_accessed: "2026-01-27T17:54:20.469Z"
+---
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+
+ # 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. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​​*
+
+*​*
+
+*Last updated: December 2, 2022​​*
+
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+
+ - [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\/17706","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Legal_Documents___Suspensions___FHFA_ijc7z7.md

@@ -0,0 +1,237 @@
+---
+source_url: "https://www.fhfa.gov/supervision/legal-documents"
+date_accessed: "2026-01-27T17:54:20.421Z"
+---
+
+> *[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. 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
+
+ 
+
+ # 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Loss_Mitigation___FHFA_zr4ime.md

@@ -0,0 +1,277 @@
+---
+source_url: "https://www.fhfa.gov/programs/loss-mitigation"
+date_accessed: "2026-01-27T17:54:20.509Z"
+---
+
+> *[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. 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)
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+ - [Videos](/media)
+
+ Social Media
+
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+ - [LinkedIn](https://www.linkedin.com/company/354523)
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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​​​​​*
+
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+
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+
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Public_Use_Database___FHFA/links/_.md/Making_government_services_easier_to_find___USAGov_3t1yf7.md

@@ -0,0 +1,186 @@
+---
+source_url: "https://www.usa.gov/"
+date_accessed: "2026-01-27T17:54:19.997Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-W8LW6DB]*   [Skip to main content](#skip-to-h1) 
+
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+ An official website of the United States government
+
+ Here's how you know
+
+ Here's how you know
+
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+
+ - [All topics and services](/#all-topics-header) - [The U.S. and its government](/about-the-us)
+ - [Complaints](/complaints)
+ - [Disability services](/disability-services)
+ - [Disasters and emergencies](/disasters-and-emergencies)
+ - [Education](/education)
+ - [Government benefits](/benefits)
+ - [Health](/health)
+ - [Housing help](/housing-help)
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+ - [Jobs, labor laws and unemployment](/jobs-labor-laws-unemployment)
+ - [Laws and legal issues](/laws-and-legal-issues)
+ - [Military and veterans](/military-and-veterans)
+ - [Money and credit](/money)
+ - [Scams and fraud](/scams-and-fraud)
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+ - [The U.S. and its government](/about-the-us)
+ - [Government benefits](/benefits)
+ - [Immigration and U.S. citizenship](/immigration-and-citizenship)
+ - [Money and credit](/money)
+ - [Taxes](/taxes)
+ - [Travel](/travel)
+
+ .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_480w/public/2023-02/Homepage_Banner.png.webp?itok=oRUyh2zS); } /* Tablet 1x */ @media(min-width: 640px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_640w/public/2023-02/Homepage_Banner.png.webp?itok=YjZoK3id); } } /* Mobile 1.5x */ @media(min-width: 720px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_720w/public/2023-02/Homepage_Banner.png.webp?itok=AAnRcXg_); } } /* Tablet 1.5x & Mobile 2x */ @media(min-width: 960px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_960w/public/2023-02/Homepage_Banner.png.webp?itok=XTdqArEv); } } /* Desktop 1x */ @media(min-width: 1024px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1024w/public/2023-02/Homepage_Banner.png.webp?itok=i1ALXCH1); } } /* Tablet 2x */ @media(min-width: 1280px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1280w/public/2023-02/Homepage_Banner.png.webp?itok=J1XI6S0_); } } /* Mobile 3x */ @media(min-width: 1440px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1440w/public/2023-02/Homepage_Banner.png.webp?itok=I-x-PoQ3); } } /* Desktop 1.5x */ @media(min-width: 1536px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1536w/public/2023-02/Homepage_Banner.png.webp?itok=_ADALubz); } } /* Tablet 3x */ @media(min-width: 1920px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1920w/public/2023-02/Homepage_Banner.png.webp?itok=lAbiPNp-); } } /* Desktop 2x */ @media(min-width: 2048px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_2048w/public/2023-02/Homepage_Banner.png.webp?itok=O6y_Q-rP); } } /* Desktop 3x */ @media(min-width: 3072px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_3072w/public/2023-02/Homepage_Banner.png.webp?itok=AvW3HSyR); } }  
+
+ # Making government services easier to find
+
+ USA.gov helps you locate and understand government benefits, programs, and information.
+
+ 
+
+ ## How do I ...
+
+ - [Learn how the U.S. government is responding to the 2026 Winter Storm](/2026-winter-storm)
+ - [Stay safe through the winter storms with this PSA from the Secretary of Homeland Security](https://www.youtube.com/watch?v=FPGNdwq9LIs)
+ - [Get or renew a passport](/passport)
+ - [File for unemployment benefits](/unemployment-benefits)
+
+ [Jump to all topics and services  ![image](/themes/custom/usagov/images/Reimagined_Jump_to_Arrow.svg)](#all-topics-header)
+
+ ![image](/themes/custom/usagov/images/topics/ICONS_Reimagined_Benefits.svg) ## Government benefits and financial assistance
+
+ Discover government benefits that you may be eligible for and learn how to apply.
+
+ [Find benefits](/benefit-finder)
+
+ ## All topics and services
+
+ - [## The U.S. and its government
+
+ Learn about U.S. laws, history, and more. Buy government property. Contact elected officials and federal agencies.](/about-the-us)
+ - [## Complaints
+
+ File complaints involving government agencies, telemarketers, products and services, travel, housing, and banking.](/complaints)
+ - [## Disability services
+
+ Find government benefits and programs for people with disabilities and their families.](/disability-services)
+ - [## Disasters and emergencies
+
+ Learn about disaster assistance and find government benefits for other emergencies.](/disasters-and-emergencies)
+ - [## Education
+
+ Learn about Federal Student Aid and studying in the U.S. Find early intervention, special education, and Head Start programs.](/education)
+ - [## Government benefits
+
+ Find government programs that may help pay for food, housing, health care, and more.](/benefits)
+ - [## Health
+
+ Get information about health insurance. Find help for mental health and other medical conditions, testing, and paying medical bills.](/health)
+ - [## Housing help
+
+ Learn about rental and buyer assistance programs. Find emergency housing and avoid eviction.](/housing-help)
+ - [## Immigration and U.S. citizenship
+
+ Learn about U.S. residency, Green Cards, citizenship requirements, and related issues.](/immigration-and-citizenship)
+ - [## Jobs, labor laws, and unemployment
+
+ Get resources for finding a job. Learn about unemployment insurance and important labor laws.](/jobs-labor-laws-unemployment)
+ - [## Laws and legal issues
+
+ Learn how to replace vital records, get child support enforcement, find legal help, and more.](/laws-and-legal-issues)
+ - [## Military and veterans
+
+ Learn how to join the military. Find benefits and services as a member or veteran, including how to apply for housing, financial, health, and other support.](/military-and-veterans)
+ - [## Money and credit
+
+ Find government grants, loans, and unclaimed money. Learn about taxes. Get credit reports and scores.](/money)
+ - [## Scams and fraud
+
+ Learn about identity theft, Social Security scams, and how to report scams and fraud.](/scams-and-fraud)
+ - [## Small business
+
+ Learn how to start, fund, and manage your own business. Understand how to get import and export licenses.](/small-business)
+ - [## Taxes
+
+ Learn about filing federal income tax. Find out how to pay, how to check your refund, and more.](/taxes)
+ - [## Travel
+
+ Learn about passports, travel documents for minors, and travel to, from, and within the U.S.](/travel)
+ - [## Voting and elections
+
+ Find out how to register to vote, where your voting location is, how presidential elections work, and more about voting in the United States.](/voting-and-elections)
+ - [## Life events
+
+ Discover government benefits and services to help you and your family through every stage of life.](/life-events)
+
+ 
+
+ [Top](#main-content)
+
+ ### Government information
+
+ - [All topics and services](/#all-topics-header)
+ - [Directory of U.S. government agencies and departments](/agency-index)
+ - [Branches of government](/branches-of-government)
+
+ ### About us
+
+ - [About USAGov](/about)
+ - [Privacy and security policies](/privacy-security)
+ - [Accessibility policy](/accessibility-policy)
+ - [Report a website issue](/site-issue-report-form)
+ - [Website usage data](/website-analytics/)
+
+ ### For federal agencies
+
+ - [Partner with us](/partner-with-usagov)
+ - [Read our blog](https://blog.usa.gov/)
+
+ ### For media
+
+ - [USAGov Outreach](/outreach)
+ - [Feature articles](/features)
+
+   #### USAGov Contact Center
+
+ Ask USA.gov a question at
+
+ [1-844-USAGOV1 (1-844-872-4681)](/phone)
+
+ USAGov is the official guide to government information and services
+
+ An official website of the [U.S. General Services Administration](https://www.gsa.gov/)
+
+ - [GSA accessibility support](https://www.gsa.gov/website-information/accessibility-statement?footer=)
+ - [GSA privacy policy](https://www.gsa.gov/website-information/website-policies#privacy)
+ - [FOIA requests](https://www.gsa.gov/reference/freedom-of-information-act-foia)
+
+ {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"top_nav_menu":[{"\/#all-topics-header":"usa-nav__topics"},{"\/about-the-us":"usa-nav__about"},{"\/money":"usa-nav__money"},{"\/laws-and-legal-issues":"usa-nav__law"},{"\/scams-and-fraud":"usa-nav__scams"},{"\/benefits":"usa-nav_benefits"},{"\/housing-help":"usa-nav_housing"},{"\/immigration-and-citizenship":null},{"\/taxes":"usa-nav_taxes"},{"\/travel":"usa-nav_travel"},{"\/voting-and-elections":null}],"user":{"uid":0,"permissionsHash":"7305919e0d31d85b27a57f0f58e02d77182231e92328f41207eaf2e6537ef320"}}       // Set a variable for our button element. const scrollToTopButton = document.getElementById('back-to-top'); // Let's set up a function that shows our scroll-to-top button if we scroll beyond the height of the initial window. const scrollFunc = () => { // Get the current scroll value let y = window.scrollY; // If the scroll value is greater than the window height, let's add a class to the scroll-to-top button to show it! if (y > 500) { scrollToTopButton.className = "stuck"; } else { scrollToTopButton.className = ""; } }; window.addEventListener("scroll", scrollFunc); const scrollToTop = () => { // Let's set a variable for the number of pixels we are from the top of the document. const c = document.documentElement.scrollTop || document.body.scrollTop; // If that number is greater than 0, we'll scroll back to 0, or the top of the document. // We'll also animate that scroll with requestAnimationFrame: // https://developer.mozilla.org/en-US/docs/Web/API/window/requestAnimationFrame if (c > 0) { window.requestAnimationFrame(scrollToTop); // ScrollTo takes an x and a y coordinate. // Increase the '10' value to get a smoother/slower scroll! window.scrollTo(0, c - c / 10); } }; // When the button is clicked, run our ScrolltoTop function above! // scrollToTopButton.onclick = function(e) { // e.preventDefault(); // scrollToTop(); // }   /*<![CDATA[*/ (function() { var sz = document.createElement('script'); sz.type = 'text/javascript'; sz.async = true; sz.src = '//siteimproveanalytics.com/js/siteanalyze_51567.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(sz, s); })(); /*]]>*/    document.querySelectorAll(".usa-accordion__content").forEach((accordionContent) => { accordionContent.onbeforematch = () => { //accordionContent.removeAttribute("hidden"); document.querySelector("[aria-controls='"+accordionContent.id+"']").setAttribute("aria-expanded", "true"); }; }); // Select the node that will be observed for mutations //<![CDATA[ var targetNode = document.getElementById('main-content'); // Options for the observer (which mutations to observe) var config = { attributes: true, childList: true, subtree: true }; // Callback function to execute when mutations are observed var callback = function(mutationsList, observer) { // Use traditional 'for loops' for IE 11 for(let mutation of mutationsList) { if (mutation.type === 'childList') { // console.log('A child node has been added or removed.'); document.querySelector(".QSIUserDefinedHTML")?.children[0].removeAttribute("tabindex"); // Later, you can stop observing //observer.disconnect(); }else if (mutation.type === 'attributes') { //console.log('The ' + mutation.attributeName + ' attribute was modified.'); document.querySelectorAll(".usa-accordion__content[hidden='']").forEach((hiddenAccordion) => { hiddenAccordion.setAttribute("hidden", "until-found"); }); } } }; // Create an observer instance linked to the callback function var observer = new MutationObserver(callback); // Start observing the target node for configured mutations observer.observe(targetNode, config); //]]> 

Public_Use_Database___FHFA/links/_.md/Market_Data___FHFA_mc82cr.md

@@ -0,0 +1,227 @@
+---
+source_url: "https://www.fhfa.gov/data/market-data"
+date_accessed: "2026-01-27T17:54:20.610Z"
+---
+
+> *[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. 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
+
+ 
+
+ ## 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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Market_Risk_Scenarios___FHFA_quvekg.md

@@ -0,0 +1,244 @@
+---
+source_url: "https://www.fhfa.gov/data/fhlb-stress-tests/market-risk-scenarios"
+date_accessed: "2026-01-27T17:54:20.632Z"
+---
+
+> *[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. 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)
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+
+ Social Media
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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*
+
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Public_Use_Database___FHFA/links/_.md/Media_Library___FHFA_yi2d9.md

@@ -0,0 +1,398 @@
+---
+source_url: "https://www.fhfa.gov/media"
+date_accessed: "2026-01-27T17:54:20.328Z"
+---
+
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+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
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+ - [Contact Us](/contact)
+
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+
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+
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+
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+ - [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)
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+
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+ - [Testimonies](/news/testimony)
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+ - [Videos](/media)
+
+ Social Media
+
+ - [Facebook](https://www.facebook.com/FHFA)
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
+
+ 
+
+ #### Search & Filter
+
+ Keyword
+
+ Published Date  From:
+
+ To:
+
+ ## Search & Filter
+
+ Keyword
+
+ Published Date  From:
+
+ To:
+
+ # Videos
+
+ - Video
+
+ February 25, 2025
+
+ ## [FHFA House Price Index for 2024 Q4](/media/video/fhfa-house-price-index-for-2024-q4)
+
+ ![Preview image for the video "FHFA House Price Index for 2024 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 26, 2024
+
+ ## [FHFA House Price Index for 2024 Q3](/news/videos/fhfa-house-price-index-2024-q3)
+
+ ![Preview image for the video "FHFA House Price Index for 2024 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
+
+ October 28, 2024
+
+ ## [Inside The FHFA 2024 Generative AI In Housing Finance TechSprint](/news/videos/inside-the-fhfa-2024-generative-ai-in-housing-finance-techsprint)
+
+ ![Preview image for the video "Inside The FHFA 2024 Generative AI In Housing Finance TechSprint".](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 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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Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md

@@ -0,0 +1,309 @@
+---
+source_url: "https://www.fhfa.gov/faqs/mortgage-loan-and-natural-disaster"
+date_accessed: "2026-01-27T18:10:56.418Z"
+---
+
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+ 
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+ ## Breadcrumb
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+ - [Frequently Asked Questions](/faqs)
+ - Mortgage Loan and Natural Disaster Dashboard Instructions and FAQs
+
+ 
+
+ # Mortgage Loan and Natural Disaster Dashboard Instructions and FAQs
+
+ ## **Instructions**
+
+ ### **Overview**
+
+ ![Figure 1: Dashboard Landing Page](/sites/default/files/2024-09/figure-1-dashboard-landing-page.png)
+
+ *Figure 1: Dashboard Landing Page*
+
+ The official name of the dashboard is the “Mortgage Loan and Natural Disaster Dashboard,” but throughout these FAQs we will refer to it as the “dashboard” for simplicity.****The default settings of the dashboard show the nationwide map with the census-tract-level composite National Risk Index (NRI) Ratings. The filters are located on the dashboard's right side, allowing the user to navigate the map, charts, and tables in the dashboard.
+
+ The first filter box, "Select Chart/Table," will enable you to browse various information in the dashboard. The "Acquisition" option in the filter shows the loan acquisition counts and total acquisition unpaid principal balance (UPB) of the loans in selected communities acquired by FHFA’s regulated entities, both single-family and multifamily. The "National Risk Index" option shows census tract-level NRI indices and Expected Annual Losses from the selected hazard. It also provides state and national averages of NRI indices. The "Acquisition Distribution by Risk Rating" tab shows the distributions of acquisition UPB by the risk ratings for selected hazards. It provides nationwide distribution, as well as for the selected state, county, and census tract.
+
+ The filter box number 2, "Duty to Serve High Needs Area," allows users to keep only the Duty to Serve high needs areas or exclude them from their results.
+
+ The last filter box lets users change the geographic area. It applies to all the maps, tables, and charts in the dashboard. The dashboard shows the nationwide result when all the geographic filters are (all). Once a state is selected, the results will be state-level, once a county is selected, the results will be county-level, and once a tract is selected, the results will be tract-level. The dashboard provides information down to the census-tract level.
+
+ ### **Acquisition Distribution by Risk Rating Tab**
+
+ The Acquisition Distribution by Risk Rating Tab in the “Select Chart/Table” filter shows the total acquisition UPB distributed in each risk rating category. The first chart shows the Single-Family Acquisition UPB distribution, and the chart below shows the Multifamily Acquisition UPB distribution. Figure 1 shows the nationwide information by composite risk rating. Selecting communities and hazards in the filter box, number 3 in Figure 1, allows users to see the UPB distribution of a state, county, and census tract by 18 hazards.
+
+ ### **National Risk Index Tab**
+
+ The National Risk Index tab in the “Select Chart/Table” filter shows the census tract-level risk index for 18 hazards and composite risk. These represent census tract-level data, and no results will be shown unless a census tract is selected in the geographic filter area.
+
+ Once a state is selected in the “State” filter, the map will zoom to the state and the state averages will be populated. Once the “County” filter is selected, the map will zoom to the county. The table on the right-hand side of the map show the census tracts NRI indices for the selected hazard, the Social Vulnerability Index, and the Resilience Index. The first column of the circles shows the census tract’s index, the state average index in the second column, and the national average in the third. Below the colored circles are the census tract-level expected annual losses for composite risk and the selected hazard. To see total expected annual loss broken down into each hazard type for the selected census tract, hover over any of the “Expected Annual Loss Composite ($)” cells. The tab provides information on 18 hazards and composite risk, and users can select hazard in the “Risk Type” filter in the third filter box.
+
+ ![Figure 2: Example of National Risk Index Information for Composite Risk](/sites/default/files/2024-09/Figure-2-Example-of-National-Risk-Index-Information-for-Composite-Risk.png)
+
+ *Figure 2: Example of National Risk Index Information for Composite Risk*
+
+ ### Acquisition Tab
+
+ The Acquisition tab shows the counts and total acquisition UPB of the loans purchased by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) in 2022. The geographic filters allow users to find the statistics for the communities in which they are interested. Once the filters are selected, the tab will show the information for the selected state, county, and census tract.
+
+ ![Figure 3: Acquisition tab](/sites/default/files/2024-09/FAQ_Figure_3_large.png)
+
+ *Figure 3: Acquisition Tab*
+
+ ## **Frequently Asked Questions**
+
+ For questions regarding FEMA’s NRI data, please refer to the technical documentation [here](https://hazards.fema.gov/nri/frequently-asked-questions).
+
+ - **Why are “National Risk Index” and “Expected Annual Loss” blank in the default setting?** - The National Risk Index Score and Expected Annual Loss (Figure 4, highlighted in red) are census tract-level data. It will be blank until a “State,” “County,” and “Tract” in the Filter section is selected (Figure 4, highlighted in yellow). The census-level information will be populated once a census tract is selected, as shown in Figure 5.
+ - The “Avg. State” represents an average of indices in the census tracts in a selected state and it will be populated once a State is selected.
+ ![Figure 4: NRI and EAL](/sites/default/files/2024-09/figure-4-nri-and-eal.png)
+
+ *Figure 4: NRI and EAL*
+
+ ![Figure 5: NRI and EAL Populated with Census-Tract Selection](/sites/default/files/2024-09/figure-5-NRI-and-EAL-Populated-with-Census-Tract-Selection.png)
+
+ *Figure 5: NRI and EAL Populated with Census-Tract Selection*
+
+ - **What information about natural hazard risk does the NRI provide?** - The NRI provides information about the relative risk of a hazard in a particular community. Because the hazard data is scaled to the national level, within a particular hazard the risks can be compared across communities, but it is more difficult to compare within a community across hazard types. For example, the 90th percentile risk of a hurricane will have different expected losses than the 90th percentile risk for a winter storm.
+ - **How to select states or counties in the geographic filter area?** - The geographic filter is located in the last square box on the right-hand side of the dashboard (Figure 1, filter box number 3).
+ - **To select single or multiple States or Counties** - Open the State or County filter drop-down menu and unselect (All). It nullifies the state/county, and the dashboard's content will disappear. Select State/County one by one, and it will generate the chart and tables for the selected area.
+ - **To Select All States or Counties** - Open the State or County filter drop-down menu and select (All). To see all-state results, click "Reset Button."
+ - **The map doesn’t move automatically when I select a geographic area in the filter.** - The Tableau map will be fixed when a user pans or zooms in the map. Unfix the map by clicking “Zoom Home” (Figure 6).
+ ![Figure 6: How to Unfix the Map](/sites/default/files/2024-09/Figure6-How-to-Unfix-the-Map.png)
+
+ *Figure 6: How to Unfix the Map*
+
+ - **What are Duty to Serve High-Needs Rural Areas?** - High-needs rural regions defined by FHFA[[1]](#ftn1)  represent the following: - “high-needs rural region” as any of the following regions provided the region is located in a “rural area”: - Middle Appalachia;
+ - the Lower Mississippi Delta;
+ - a colonia census tract; or
+ - a tract located in a persistent poverty county and not included in Middle Appalachia, the Lower Mississippi Delta, or a colonia census tract.
+ - **The Duty to Serve High-Needs Area filter doesn’t give me any options.** - The “High-needs areas only” option is unavailable when there is no Duty to Serve High-Needs area in the selected map region. Likewise, the “Non-High-needs areas only” option is not available when there are only Duty to Serve High-Needs rural areas in the selected map region.
+ - **What are the differences between Insufficient Data, No Rating, and Not Applicable in Risk Ratings?** - If a community is displayed in the application as having “No Expected Annual Loss” for the selected hazard type, the rating will show “No Rating” for its Risk Index for that hazard type. “No Rating” indicates that this community does not have any expected physical risk for the selected hazard type.
+ - If a factor used to calculate the Expected Annual Loss of a census tract or county for a hazard type has a null value, the community is rated as having “Insufficient Data.”
+ - The communities are displayed as “Not Applicable” if communities are located where no documented risk exists for the hazard type and where the hazard type is deemed not likely to occur.
+ - Please review page 36 of [FEMA’s NRI Technical Document](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details.
+ - **How can I export the results in the dashboard to the Excel or CSV file?** - To export the "Acquisition" Tab results, first click "Acquisition" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "Acquisition." Select a format and click "Download."
+ - To export the "Acquisition Distribution by Risk Rating" Tab results, click "Acquisition Distribution by Risk Rating" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "DIST-SF" to download Single-Family distribution. Select a format and click "Download." Click "Export to Excel" again and download "DIST-MF." Combine the two Excel files.
+ - To export the "National Risk Index" Tab results, click "National Risk Index" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "NRI-1" to download Single-Family distribution. Select a format and click "Download." Do the same process for NRI-2 to NRI-5 as well and combine those.
+ ![Figure 7: Export to Excel Example](/sites/default/files/2024-09/figure-7-export-to-excel-example.png)
+
+ *Figure 7: Export to Excel Example*
+
+ - **How can I download data embedded in the dashboard?** - To download the complete imported data underlying the dashboard, reset all the filters. Then, click an empty space on the map. Click the "Choose a format to download" button at the bottom of the dashboard (Figure 8). Click "Data." Make sure to click the map if the "Data" option is greyed out.
+ - To download aggregated PUDB data, go to "GSE_2022" in the "View Data" pop-up window and click "Download all rows as a text file." Please check Appendix I for the data dictionary for GSE_2022.
+ - To download NRI data, go to "NRI_CensusTacts" in the "View Data" pop-up window and click "Download all rows as a text file." Please check Appendix II for the data dictionary for NRI_CensusTacts.
+ ![Figure 8: Choose a format to download button](/sites/default/files/2024-09/Figure8-Choose-a-format-to-download-button.png)
+
+ *Figure 8: Choose a format to download button*
+
+ 
+
+ 
+
+ ### Appendix I: Data Dictionary - GSE_2022
+
+ Field Name  Field Description  State  State Name  County  County Name  Tract  2020 Census Tract  Tractfips  State-County-Tract FIPS Code  Stcofips  State-County FIPS Code  Ym  Acquisition Year  pov_ind  Persistent Poverty County Indicator  Risk_Rating_S  National Risk Index Rating for selected Hazard  rural_ind  Rural area for purposes of Duty to Serve Indicator  Gsel  SF Loan Count - Purchased by Enterprise  Gsemfl  MF Property Count - Purchased by Enterprise  Gseu  Total SF Acquisition UPB - Purchased by Enterprise  Gsemfu  Total MF Acquisition UPB - Purchased by Enterprise  Hlbl  SF Loan Count - Purchased by FHLBanks  Hlbu  Total SF Acquisition UPB - Purchased by FHLBanks  
+
+ ### Appendix II: Data Dictionary - NRI_Census_Tracts
+
+ Field Name  Field Description  State  State Name  County  County Name  Tract  2020 Census Tract  Stcofips  State-County-Tract FIPS Code  Tractfips  State-County FIPS Code  pov_ind  Persistent Poverty County Indicator  Risk_Rating_S  National Risk Index Rating for selected Hazard  rural_ind  Rural area for purposes of Duty to Serve Indicator  Avln Riskr  Hazard Type Risk Index Rating - Avalanche  Cfld Riskr  Hazard Type Risk Index Rating - Coastal Flooding  Cwav Riskr  Hazard Type Risk Index Rating - Cold Wave  Drgt Riskr  Hazard Type Risk Index Rating - Drought  Erqk Riskr  Hazard Type Risk Index Rating - Earthquake  Hail Riskr  Hazard Type Risk Index Rating - Hail  Hwav Riskr  Hazard Type Risk Index Rating - Heat Wave  Hrcn Riskr  Hazard Type Risk Index Rating - Hurricane  Istm Riskr  Hazard Type Risk Index Rating - Ice Storm  Lnds Riskr  Hazard Type Risk Index Rating - Landslide  Ltng Riskr  Hazard Type Risk Index Rating - Lightning  Rfld Riskr  Hazard Type Risk Index Rating - Riverine Flooding  Swnd Riskr  Hazard Type Risk Index Rating - Strong Wind  Trnd Riskr  Hazard Type Risk Index Rating - Tornado  Tsun Riskr  Hazard Type Risk Index Rating - Tsunami  Vlcn Riskr  Hazard Type Risk Index Rating - Volcanic Activity  Wfir Riskr  Hazard Type Risk Index Rating - Wildfire  Wntw Riskr  Hazard Type Risk Index Rating - Winter Weather  Risk Ratng  Hazard Type Risk Index Rating - Composite  Resl Ratng  Community Resilience - Rating  Sovi Ratng  Social Vulnerability - Score  
+
+ ---
+
+ [1]  Please see the link [here](/data/duty-to-serve/eligibility-data) for more information about FHFA’s Duty to Serve High-Needs Rural areas.
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Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard___FHF_f6obmb.md

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+
+ # Mortgage Loan and Natural Disaster Dashboard
+
+ [![Dashboard ](https://public.tableau.com/static/images/FH/FHFAMortgageLoanandNaturalDisasterDashboard/Dashboard/1_rss.png)](#)
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Public_Use_Database___FHFA/links/_.md/Mortgage_Servicing___FHFA_mnr5t.md

@@ -0,0 +1,331 @@
+---
+source_url: "https://www.fhfa.gov/policy/mortgage-servicing"
+date_accessed: "2026-01-27T17:54:20.677Z"
+---
+
+> *[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)
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+ - [Stress Tests Reports](/reports/stress-tests-report)
+
+ [Mortgage Translations](/mortgage-translations)
+
+ - [About Mortgage Translations](/mortgage-translations)
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+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
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+
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+
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+ .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
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+
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+
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+ - [Sitemap](/sitemap)
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+
+ ## Footer
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+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
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Public_Use_Database___FHFA/links/_.md/Mortgage_Translations___FHFA_wey6gd.md

@@ -0,0 +1,301 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations"
+date_accessed: "2026-01-27T17:54:20.736Z"
+---
+
+> *[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. 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
+
+ 
+
+ ![mortgage-translations-hero-banner](/sites/default/files/styles/desktop_hero/public/2023-11/mortgage-translations-hero-banner%20%281%29.png.webp?h=e7657209&itok=koOcI06R)
+
+ # Mortgage Translations
+
+ Access our range of mortgage documents available in multiple languages
+
+ Welcome to the Mortgage Translations clearinghouse, an easy-to-use collection of translated documents and tools to assist lenders, servicers, housing counselors, and others in helping ​mortgage borrowers who have limited English proficiency​ (LEP). 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. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse.*
+
+
+
+*Last updated: January 6, 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\/17661","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/National_Mortgage_Database_Program___FHFA_kttsu.md

@@ -0,0 +1,458 @@
+---
+source_url: "https://www.fhfa.gov/programs/nmdb"
+date_accessed: "2026-01-27T17:54:20.526Z"
+---
+
+> *[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. 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)
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+ - [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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+ - [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)
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+ - [No FEAR Report](/reports/no-fear-report)
+ - [Plain Language Report](/reports/plain-language-report)
+ - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report)
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+
+ [Mortgage Translations](/mortgage-translations)
+
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+ 
+
+ ## Breadcrumb
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+ - [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*
+
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+
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Public_Use_Database___FHFA/links/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_rzxyfr.md

@@ -0,0 +1,282 @@
+---
+source_url: "https://www.fhfa.gov/data/nmdb"
+date_accessed: "2026-01-27T17:54:20.636Z"
+---
+
+> *[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. 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
+
+ 
+
+ ![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, '<sup>®</sup>'); } }); .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
+
+ - [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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+ - [![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\/17656","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/National_Survey_of_Mortgage_Originations__NSMO__Pu_2tbf4t.md

@@ -0,0 +1,335 @@
+---
+source_url: "https://www.fhfa.gov/data/nsmo"
+date_accessed: "2026-01-27T17:54:20.625Z"
+---
+
+> *[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. 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)
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+ - [Partner Agency Engagements](/news/partner-agency-engagements)
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+ - [Videos](/media)
+
+ Social Media
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+
+ 
+
+ ![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
+
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+
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+ {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17641","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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}}      (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); 

Public_Use_Database___FHFA/links/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_bv1se4.md

@@ -0,0 +1,276 @@
+---
+source_url: "https://www.fhfa.gov/programs/neighborhood-stabilization-initiative"
+date_accessed: "2026-01-27T17:54:20.540Z"
+---
+
+> *[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**   
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+
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+ A **lock** ( Lock  Locked padlock  ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+ 
+
+ *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
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+
+ - [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)
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+ - [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)
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+ - [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)
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+ - [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)
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+ - [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)
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+ .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*​​​​
+
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+
+ ## Footer Highlighted
+
+ - [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
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