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+---
+source_url: "https://www.fhfa.gov/data/duty-to-serve/eligibility-data"
+date_accessed: "2026-01-27T17:54:20.547Z"
+---
+
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+ 
+
+ ## Breadcrumb
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+ - [Home](/)
+ - [FHFA Data](/data)
+ - Duty To Serve Eligibility Data
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+ 
+
+ # Duty to Serve Eligibility Data
+
+ The [Duty to Serve Program](/programs/duty-to-serve) will award Duty to Serve credit for eligible activities that address the housing needs of very low-, low-, and moderate income families with incomes no greater than 100 percent of the area median income. Certain eligible activities are tied to specific high needs and high opportunity ar​eas as defined by the Duty to Serve regulation. These areas include:
+
+- Rural areas
+- Indian tribe areas
+- High opportunity areas
+- Areas of Concentrated Poverty
+The Duty to Serve regulation has specific definitions for each of the high needs and high opportunity areas identified in the regulation. This page identifies the specific geographies which qualify for Duty to Serve credit, for each particular definition. For information on Duty to Serve loan performance and acquisitions, view the [Duty to Serve Performance Data web page](/data/duty-to-serve/performance-data).
+
+## Rural Areas
+
+FHFA's current Duty to Serve regulation defines "rural area" as: (1) a census tract outside of a metropolitan statistical area, as designated by the Office of Management and Budget; or (2) a census tract in a metropolitan statistical area, as designated by the Office of Management and Budget, that is outside of the metropolitan statistical area's Urbanized Areas as designated by the U.S. Department o​f Agriculture's [**Rural-Urban Commuting Area Code #1**](http://www.ers.usda.gov/data-products/rural-urban-commuting-area-codes.aspx), and outside of tracts with a housing density of over 64 housing units per square mile for USDA's RUCA Code #2. Effective July 1, 2023, [amendments to the Duty to Serve regulation](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition. Below is a link to the specific geographies which meet the amended Rural Areas definition.
+
+## Indian Tribe Areas
+
+The Duty to Serve regulation identifies members of a Federally recognized Indian tr​ibe living in Indian areas as a high-needs rural population that Fannie Mae and Freddie Mac may serve in rural areas. Below is a link to the specific geographies which meet the Indian Areas definition.
+
+## High Opportunity Areas
+
+FHFA's Duty to Serve regulation defines residential economic diversity to include Enterprise activities that support financing of mortgages in high opportunity areas. High opportunity areas for purposes of Duty to Serve, include areas designated by Housing and Urban Development (HUD) as a "Difficult Development Area" (DDA), as well as areas designated by a state local Qualified Allocation Plan as a high opportunity area, whose poverty rate is lower than the rate established by FHFA. Below is a link to the specific geographies which meet the High Opportunity Areas definition.
+
+## Areas of Concentrated Poverty
+
+FHFA’s Duty to Serve regulation defines residential economic diversity to include activities that support financing of mortgages in areas of concentrated poverty. Areas of concentrated poverty for purposes of Duty to Serve, include a census tract designated by HUD as a Qualified Census Tract, or as a Racially or Ethnically-Concentrated Area of Poverty, during any year covered by an Underserved Markets Plan or in the year prior to a Plan’s effective date. Below is a link to the specific geographies which meet the Area of Concentrated Poverty definition.
+
+## Small Financial Institutions
+
+The Duty to Serve regulation defines “small financial institution” as a financial institution with less than $304 million in assets. [Below](#SmallFinancialInstitution) is a link to the list of small financial institutions that meet this definition. The list consists primarily of depository institutions, credit unions and Community Development Financial Institutions. The list does not include non-depository mortgage banks. The list also includes several Agricultural Credit Associations (ACAs).
+
+## Rural Areas and High Needs Rural Regions Data
+
+---
+
+**Year** **Format** **Dictionary** **Map(s)** **DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_rural_2025.zip) [[PDF]](/document/dts_rural_readme_2025.pdf) [[PDF High-needs Rural Regions Map]](/document/dts_county_map_2025.pdf)  
+  
+[[TABLEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2025) 2025-2027 (applies to plan years 2026 and 2027)  
+(2020 Census Tracts)  
+**Effective January 1, 2026** ​2023* ​[​[ZIP]](/sites/default/files/2023-10/rural2023.zip) [[P​DF]](/sites/default/files/2023-10/DTS_Rural_README_2023.pdf)​ [[TABLEAU All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023)]   
+  
+[[TAB​LEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2023)​   
+  
+[​[PDF High-needs Rural Regions Map]](/sites/default/files/2023-10/dts_county_map_2023.pdf) 2022-2024 and 2025  
+(2020 Census Tracts)  
+**Effective July 1, 2023**​ ​2022 [​[ZIP]](/sites/default/files/2023-10/rural2022.zip) [​[PDF]](/sites/default/files/2023-03/rural_readme_2022.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2022.pdf)   
+  
+[[TABLEAU]](/data/dashboard/dts/high-needs-counties-map/2022) 2022-2024  
+(2020 Census Tracts)​ ​2021 [​[ZIP]](/sites/default/files/2023-10/rural2021.zip) [​[PDF]](/sites/default/files/2023-10/Rural_README_2021.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2021.pdf)   
+  
+[[TABLEAU]](/data/dashboard/dts/high-needs-counties-map/2021) 2022-2024​  
+(201​0 Census Tracts) ​2020 [[ZIP]](/sites/default/files/2023-10/rural2020.zip) [[PDF]](/sites/default/files/2023-10/Rural_README_2020.pdf) [[PDF]](/sites/default/files/2023-10/dts_county_map_2020.pdf)   
+  
+[[TABLEAU]](/data/dashboard/dts/high-needs-counties-map/2020) ​ ​2019 [​[ZIP]](/sites/default/files/2023-10/rural2019.zip) [​[PDF]](/sites/default/files/2023-10/Rural_README_2019.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2019.pdf) ​ 2018 [[ZIP]](/sites/default/files/2023-10/rural2018.zip) [[PDF]](/sites/default/files/2023-10/Rural_README_2018.pdf) [[PDF]](/sites/default/files/2023-10/dts_county_map_2018.pdf) ​ 2017 [[ZIP]](/sites/default/files/2023-10/rural2017.zip) [[PDF]](/sites/default/files/2023-10/Rural_README_2017.pdf) [[PDF]](/sites/default/files/2023-03/dts_county_map_2017.pdf) ​ 2016 [[ZIP]](/sites/default/files/2023-10/rural2016.zip) [[PDF]](/sites/default/files/2023-10/Rural_README_2016.pdf) [[PDF]](/sites/default/files/2023-03/dts_county_map_2016.pdf) ​ **In 2023, the "rural area" definition was modified to include "colonia census tracts" effective July 1, 2023. For DTS “rural area” eligibility from January 1 – June 30, 2023, use the 2022 ZIP file. For DTS “rural area” eligibility from July 1 – December 31, 2023, use the 2023 ZIP file.*
+
+***The 2023 ​Rural Areas file contains changes made by the Census Bureau to census tracts in Connecticut that reflect the adoption of regional planning organizations as county-equivalents and replaces the eight county codes with nine new county-equivalent codes. A crosswalk file of Connecticut census tracts reflecting these changes can be found on github under CT-Data-Collaborative.*
+
+
+
+## Indian Tribe Areas Data
+
+---
+
+**Year** **Format** **Dictionary** ​**DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_aian_2025.zip) [[PDF]](/document/ia_areas_readme_2025.pdf) 2025-2027 (applies to plan years 2026 and 2027)  
+(2020 Census Tracts)  
+**Effective January 1, 2026** ​2023 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_IA_Areas_README_2023.pdf) 2022-2024​ and 2025  
+(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2022.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2022.pdf) 2022-2024​  
+(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2020.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2020.pdf) 2022-2024​  
+(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/dts_aian_2018.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2018.pdf) ​2018-2021 2017 [[ZIP]](/sites/default/files/2023-10/dts_ia_2017.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2017.pdf) 2018-2021​ ## High Opportunity Areas Data
+
+---
+
+**Year** **Format** **Dictionary** ​**DTS Plan Cycle** 2025 [[ZIP]](/document/2025-02-21_a01_hoa_file.zip) [[PDF]](/document/dts_high-opportunity_areas_2025_readme.pdf) 2025-2027 (2020 Census Tracts) 2024 [​[ZIP]](/sites/default/files/2024-05/DTS_HighOpportunityAreas_2024.zip) [​[PDF]](/sites/default/files/2024-07/DTS_High%20Opportunity_Areas_2024_README.pdf) ​2025-2027  
+(2020 Census Tracts) ​2023 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.pdf) ​2022-2024  
+(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022_README.pdf) ​2022-2024  
+(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020_README.pdf) ​2022-2024  
+(2010 Census Tracts) 2017 [[ZIP]](/sites/default/files/2023-10/DTS_red_highopportunity_2017.zip) [[PDF]](/sites/default/files/2023-10/DTS-Residential-Economic-Diversity_High-Opportunity-Areas-revised.pdf) ​2018-2021 ## Areas of Concentrated Poverty
+
+---
+
+**Year** **Format** **Dictionary** **​DTS Plan Cycle** 2024 ​[[ZIP]](/sites/default/files/2024-05/qct_recapcw_2024.zip) ​[[PDF]](/sites/default/files/2024-07/Areas_of_Concentrated_Poverty_README_2024.pdf) 2025-2027  
+(2020 Census Tracts) ​2022 ​[[ZIP]](/sites/default/files/2023-10/qct_recap_2022.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2022.pdf) ​2022-2024  
+(2020 Census Tracts) ​2020 ​[[ZIP]](/sites/default/files/2023-10/acp_2020.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2020.pdf) ​2022-2024  
+(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_2018.zip) [[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2018.pdf) ​ ## Small Financial Institutions Data
+
+---
+
+**Year** **Format** **Dictionary** **DTS Plan Cycle​** ​2024 [[ZIP]](/sites/default/files/2024-07/SF_SFI_LIST_2024.zip) [​[PDF]](/sites/default/files/2024-07/SFI_README_2024.pdf)​ 2025-2027 ​2020 [[ZIP]](/sites/default/files/2023-10/SF_SFI_LIST_2020.zip) [​[PDF]](/sites/default/files/2023-10/SF_SFI_README_2020.pdf)​ 2022-2024​
+
+ ## Interactive Maps
+
+ - ## High Needs Counties with Rural Tracts Map
+
+ The Duty to Serve High-Needs Counties with Rural Tracts Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serve High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Interacting with any county on the map allows users to view a map of census tracts within the county, and whether the tracts are classified as Duty to Serve Rural or Not Duty to Serve Rural. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition.
+
+ - [2022-2024 High Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2022-2024)
+ - [2018-2020 High-Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2018-2020)
+
+ - ## All Rural Tracts Map
+
+ The Duty to Serve (DTS) All Rural Tracts Map shows the census tracts that are considered rural areas or non-rural areas for DTS purposes. Users can select a state to view the underlying Census tracts that meet the DTS rural definition.
+
+- [2022-2024 All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023)
+
+ - ## High-Needs Counties Interactive Map
+
+ The Duty to Serve High-Needs Counties Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serv High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition.
+
+ - [2023 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2023)
+ - [2022 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2022)
+ - [2021 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2021)
+ - [2020 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2020)
+ - [2018 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2018)
+
+ - ## High-Needs Counties with Colonias Tracts Map
+
+ - [2023 High-Needs Counties with Colonias Tracts Map](/data/dashboards/dts/high-needs-counties-map-with-colonias-tracts/2023)
+
+ *Page Last Updated: 3/21/2025​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*
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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\/16971","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/Duty_to_Serve_Program___FHFA_hjdyjr.md

@@ -0,0 +1,347 @@
+---
+source_url: "https://www.fhfa.gov/programs/duty-to-serve"
+date_accessed: "2026-01-27T17:54:20.505Z"
+---
+
+> *[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
+
+ 
+
+ Program
+
+ # Duty to Serve Program
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Programs](/programs)
+ - Duty To Serve Program
+
+ 
+
+ ## Overview
+
+On November 25, 2024, FHFA issued Non-Objections to the Duty to Serve 2025-2027 Underserved Markets Plans submitted by Fannie Mae and Freddie Mac. The Plans detail the Enterprises’ activities to serve the manufactured housing, rural housing, and affordable housing preservation markets over a three-year period. [**Read more**](/programs/2025-2027-duty-to-serve-underserved-markets-plans)
+
+​​If you have any questions or concerns, please send an email to [DutyToServeStakeholders@FHFA.gov.](mailto:dutytoservestakeholders@FHFA.gov)
+
+ ## What's New
+
+ ## 
+
+ [![Letter with pencil icon](/sites/default/files/2025-11/currentproposedplans.png)
+
+ ### 2025-2027 Underserved Market Plans](/programs/2025-2027-duty-to-serve-underserved-markets-plans)
+
+ [![Letter with Checkmark icon](/sites/default/files/2025-11/currenteval.png)
+
+ ### Evaluation Guidance](/document/dts-evaluation-guidance-2025-8.pdf)
+
+ [![Clipboard icon](/sites/default/files/2025-11/annualreport.png)
+
+ ### 2024 Enterprise Annual Reports](/reports/duty-to-serve/enterprise-quarterly-and-annual/2024)
+
+ [![Clipboard icon](/sites/default/files/2025-11/annualreport.png)
+
+ ### Final Rule-Colonias Census Tract Amendments](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments)
+
+ [![Question mark icon](/sites/default/files/2025-11/faq.png)
+
+ ### Questions and Answers](/sites/default/files/2023-12/DTS-Questions-and-Answers-v2023-2.pdf)
+
+ ## Resources
+
+ ## 
+
+ [![Mail icon](/sites/default/files/2025-11/EmailIcon.png)
+
+ ### Final Rule](/document/2016-duty-to-serve-final-rule.pdf)
+
+ [![Clipboard icon](/sites/default/files/2025-11/annualreport.png)
+
+ ### Enterprise Annual Reports](/programs/enterprise-quarterly-and-annual-reports)
+
+ [![Letter with Checkmark icon](/sites/default/files/2025-11/currenteval.png)
+
+ ### Evaluation Guidance](/document/dts-evaluation-guidance-2025-8.pdf)
+
+ [![House Icon](/sites/default/files/2025-11/housing.png)
+
+ ### Annual Housing Report](/reports/annual-housing-report)
+
+ [![Congressional Building Icon](/sites/default/files/2025-11/reportcongress.png)
+
+ ### Annual Report to Congress](/reports/annual-report-to-congress)
+
+ ## Data and Tools
+
+ Image
+
+ ![2021 Duty to Serve Single Family Dashboard Thumbnail](/sites/default/files/styles/large/public/2023-06/2021-dts-single-family-dashboard-thumbnail_0.jpg?itok=0omzeOPY)
+
+ Access datasets and interactive maps​ on the [DTS Eligibility Data Page](/data/duty-to-serve/eligibility-data) or DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Also, access information and dashboards on the [DTS Performance Data Page](/data/duty-to-serve/performance-data).
+
+[2024 DTS Single-Family Dashboard](/data/dashboard/dts/single-family/2024)
+
+The Single-Family Dashboard is an interactive map that looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.
+
+[2024 DTS Multifamily Dashboard](/data/dashboard/dts/multifamily/2024)
+
+The Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets.
+
+## ​We Want to Hear From You
+
+Use the drop-down menus to submit comments on specific Duty to Serve requests for public comments, or to provide general input on the Duty to Serve program. You can also view previously submitted comments.
+
+ #### Submit Your Own Input
+
+ [Duty to Serve General Input](/public-input/duty-to-serve-general-input)
+
+ #### View Previous Input
+
+ [RFI on Proposed 2025-2027 DTS Plans](/public-input/rfi-on-proposed-2025-2027-dts-plans)
+
+ [2023 DTS Proposed Modifications RFI](/public-input/2023-dts-proposed-modifications-rfi)
+
+ [2023 DTS Listening Sessions Input](/public-input/2023-duty-to-serve-listening-sessions)
+
+ [Fannie Mae LIHTC Modification RFI Input](/public-input/duty-to-serve-modification-request-fannie-mae-spring-2023)
+
+ [Colonias Rulemaking Input](/regulation/federal-register?tab=comments)
+
+ [View Archived Comments](/programs/duty-to-serve-resources#Developer-Materials)
+
+ ## Explore Duty to Serve
+
+ [Image
+
+ ![dts program overview image](/sites/default/files/styles/large/public/2023-07/DTS-Program-Overview-Image-Feb-2022_2.png?itok=5rm-dx4-)](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf)
+
+ Want to learn more about how the DTS program works? Learn about the underserved markets, process timeline, plan structure, statutory and regulatory activities, evaluation process, and more.
+
+ [View Slideshow](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf)
+
+ ## Archive​​
+
+ There are many resources to help you better understand the Duty to Serve program, annual processes, markets, and plans.
+
+ [Evaluation Guidance](/programs/duty-to-serve-resources#EvaluationGuidance)
+
+ [Modified Underserved Markets Plans](/programs/2025-2027-duty-to-serve-underserved-markets-plans)
+
+ [Event Materials](/programs/duty-to-serve-resources#EventMaterials)
+
+ [Enterprise Quarterly and Annual Reports](/programs/enterprise-quarterly-and-annual-reports)
+
+ [Annual Housing Reports to Congress](/reports/annual-housing-report)
+
+[Questions and Answers](/programs/duty-to-serve-resources#Q-and-A)
+
+[Press Releases](/programs/duty-to-serve-resources#PressReleases)
+
+​[Annual Duty to Serve Snapshots](/programs/duty-to-serve-resources#DeveloperMaterials)
+
+ ​​[Duty to Serve Overview Materials](/programs/duty-to-serve-resources#DeveloperMaterials)
+
+ [Proposed Rule](https://www.govinfo.gov/content/pkg/FR-2015-12-18/pdf/2015-31811.pdf)​
+
+ [External Resources](/programs/duty-to-serve-resources#ExternalResources)
+
+ [Requests for Input on Proposed Plan Modifications](/programs/enterprises-proposed-plan-modification-requests-revised-11-6-2023)
+
+ ## Contact the Duty to Serve Team
+
+Questions on Duty to Serve? [Email us](mailto:DutyToServeStakeholders@fhfa.gov) and we'll get back to you soon.
+
+
+
+*Page Updated: 9/15/25​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*
+
+ 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\/13746","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/Enterprise_Housing_Goals___FHFA_ffy23f.md

@@ -0,0 +1,264 @@
+---
+source_url: "https://www.fhfa.gov/data/enterprise-housing-goals"
+date_accessed: "2026-01-27T17:54:20.541Z"
+---
+
+> *[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)
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+
+ # Enterprise Housing Goals
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [FHFA Data](/data)
+ - Enterprise Housing Goals
+
+ 
+
+ FHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac. The [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) include separate categories for single-family mortgages on housing that is affordable to low-income and very low-income families, as well as refinanced mortgages for low-income borrowers. FHFA also establishes separate annual goals for multifamily housing.
+
+Loans that are eligible for housing goals credit are mortgages on owner-occupied housing with one to four units. The mortgages must be conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. This page provides data on Enterprise performance and activity related to the single-family housi​​ng goals. A full [glossary of terms](#glossary) is provided below.
+
+**Single-Family Housing Goal Loan Segments: State-Level Data**
+
+FHFA is publishing state-level data for each single-family goal loan purchase and refinance segment. It is important to note that FHFA does not set state-level targets but only at the national level.
+
+These tables provide the Enterprises' share in each state along with the market share, as calculated by FHFA using the 'static' HMDA data for each year to determine Enterprise housing goals performance each year. It is important to note that HMDA state-level data are impacted by the number of HMDA-exempt reporters in each state. For more information on HMDA reporting requirements, visit the [CFPB HMDA Reporting Requirements page](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/).
+
+
+
+## Data
+
+Year Format 2024 [[XLSX]](/document/enterprise_housing_goals_state_data_2024.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2024.zip) 2023 [[XLSX]](/document/enterprise_housing_goals_state_data_2023.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2023.zip) 2022 [[XLSX]](/document/enterprise_housing_goals_state_data_2022.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2022.zip) 2018-2021 [[XLSX]](/document/enterprise_housing_goals_state_data_2018-2021.xlsx) 
+
+Glossary of Frequently used terms Definition **Goal-Eligible Purchase Loans** Goal-eligible purchase loans are home purchase mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Purchase (LIP) Loans** Low-income purchase loans are the subset of goal-eligible purchase loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Very Low-Income Purchase (VLIP) Loans** Very low-income purchase loans are the subset of goal-eligible home purchase mortgages acquired by the Enterprises where borrowers had incomes no greater than 50 percent of the area median income. **Low-Income Areas Subgoal (LIAS) Loans** Low-income areas subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts; and b) families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal was replaced by the low-income census tracts subgoal and the minority census tracts subgoal starting in 2022. **Minority Census Tracts Subgoal (MCT) Loans** Minority census tracts subgoal loans are the subset of goal-eligible purchase loans made to families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal became effective in 2022. **Low-Income Census Tracts Subgoal (LCT)** **Loans** Low-income census tracts subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts that are not minority census tracts; and b) families with incomes greater that 100 percent of area median income living in low-income census tracts that are also minority census tracts. This subgoal became effective in 2022. **Goal-Eligible Refinance Loans** Goal-eligible refinance loans are refinance mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Refinance (LIR) Loans** Low-income refinance loans are the subset of goal-eligible refinance loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Minority Census Tracts** Census tracts that have a minority population of at least 30 percent and a median income of less than 100 percent of area median income. **Low-Income Census Tracts** Census tracts where the median income is no greater than 80 percent of area median income. **Minority** Minority means any individual who is included within any one or more of the following racial and ethnic categories:
+
+(i) American Indian or Alaskan Native - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of North and South America (including Central America), and who maintains Tribal affiliation or community attachment;
+
+(ii) Asian - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam;
+
+(iii) Black or African American - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the black racial groups of Africa;
+
+(iv) Hispanic or Latino - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin, regardless of race; and
+
+(v) Native Hawaiian or Other Pacific Islander - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of Hawaii, Guam, Samoa, or other Pacific Islands. ### Low-Income Census Tracts, Minority Census Tracts and Designated Disaster Areas Data
+
+The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines "low-income area" for the single-family low-income areas home purchase goal as:
+
+- Census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI).
+In addition, for the purposes of this goal, "families residing in low-income areas" also include:
+
+- Families with income not greater than 100 percent of AMI who reside in minority census tracts.
+- Families with income not greater than 100 percent of AMI who reside in designated disaster areas.
+​A "minority census tract" is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. A "low-income census tract" is census tract in which the median income does not exceed 80 percent of the AMI. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the Federal Emergency Management Agency (FEMA), where individual assistance payments were authorized by FEMA.
+
+A map of census tracts identified as [**minority census tracts in 2025** can be ​found **here**](/document/2025-minority-census-tracts.pdf).
+
+A map of census tracts identified as [**low-income census tracts in 2025** can be found **here**](/document/2025-low-income-census-tracts.pdf).
+
+Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the Federal Emergency Management Agency (FEMA), where individual assistance payments were authorized by FEMA. FHFA calculates the disaster areas increment for the low-income areas home purchase goal each year. The disaster areas increments from 2010 to 2025 are available below.
+
+Year Increment 2010 11% 2011 11% 2012 9% 2013 10% 2014 7% 2015 5% 2016 3% 2017 4% 2018 4% 2019 5% 2020 4% 2021 4% 2022 6% 2023 6% 2024 5% 2025 5% ​Learn more about [low-income census tracts, minority census tracts, and designated disaster areas](/data/underserved-areas).
+
+​
+
+## **Contact**
+
+If you have any questions or comments about the data or documents, please email [Padma Raman](mailto:Padmasini.Raman@fhfa.gov) or [Omena Ubogu​](mailto:Omena.Ubogu@fhfa.gov).
+
+[**Learn more about Enterprise Housin​g Goals**](/programs/enterprise-affordable-housing-goals)
+
+
+
+*La​st Updated: October 30, 2025*
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+---
+source_url: "https://www.fhfa.gov/data/dashboard/enterprise-multifamily-public-use-database"
+date_accessed: "2026-01-27T18:10:56.157Z"
+---
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+ - [Dashboards](/data/dashboard)
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+ - [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)
+ - [Dashboards](/data/dashboard)
+ - Enterprise Multifamily Public Use Database Dashboard
+
+ 
+
+ # Enterprise Multifamily
+
+  
+ Public Use Database Dashboard
+
+ *, *::before, *::after { box-sizing: border-box !important; scroll-behavior: smooth !important; } *::before, *::after { font-family: "Segoe UI", "Arial", "Helvetica", "Tahoma", "Verdana", "sans-serif" !important; } #sidebarMenu { position: relative; top: 0; height: calc(100vh + 650px); overflow-y: auto; /* Scrollable contents if viewport is shorter than content. */ box-shadow: 0 2px 5px 0 rgb(0 0 0 / 5%), 0 2px 10px 0 rgb(0 0 0 / 5%); } #dashboard, #dateTableView { box-shadow: 0 10px 20px 0 rgba(0, 0, 0, .05); } .custom-tooltip { --bs-tooltip-bg: var(--bs-primary); --bs-tooltip-opacity: 100%; } .col-lg-2, .col-md-2 { flex: 0 0 auto; width: 20%; } .col-lg-10, .col-md-10 { flex: 0 0 auto; width: 80%; } #content1::after { content: "\a"; white-space: pre; } #dtTable_filter label input[type="search"] { border: 1px solid #ced4da; border-radius: .375rem; float: none; }  Documentation  - Please see [PUDB documentation](https://www.fhfa.gov/data/public-use-database-fannie-mae-and-freddie-mac)
+
+ Feedback  - For questions or feedback please contact the PUDB team at [pudbdata@fhfa.gov](mailto:pudbdata@fhfa.gov)
+
+ [About](#) [Accessibility](#)
+
+ Select Dashboard  - Annual Summary  Property and Loan Characteristics  Unit and Affordability  Property and Loan Characteristics
+ - Select Enterprise  Both
+
+ Fannie Mae
+
+ Freddie Mac
+ - Select Multifamily Loan Purpose  All Loans
+
+ Purchase
+
+ Refinance  ---
+ - Select Statistic
+ - Select Characteristic
+ - Select Year
+ - Select Year
+ - Clear Changes  Export View to CSV  Export View to PDF  Export View to PowerPoint
+
+ ## Dashboard Data
+
+ ##### Accessibility Help
+
+ **Special Instructions for users with disabilities, keyboard users, and screen reader technologies.**
+
+ - Data filter navigation: When a user changes any criteria, all other parts of the page layout updates filtered data accordingly. Once you navigate out of the filter area, the information you selected is present in the other sections. It is advised that if you choose to change your filter criteria, use the "Clear Changes" button before modifying the filter.
+ - Data visualization graph/chart navigation: This section presents the data visually in graph/chart format. The information contained within is fully provided in the export/copy/print features as well as the searchable table. Special note: the keyboard navigation does pass through this section and will provide a link to a HTML based table. You may use the link, but it is not recommended. Due to limitations beyond FHFA's control, the HTML table does not provide user friendly table headers. Please use alternative methods described below.
+ - Six buttons for export/copy/print navigation: To obtain a text-based table of the data, users of a screen reader should limit themselves to "Export to CSV", "Excel" and "Copy". Each of these buttons provide a text-based table to use in Excel, or other user-selected product that accepts CSV files. The copy feature allows the user to paste the text-based data in any product they choose. If you are using a screen reader, avoid using the Export to PDF, PowerPoint & Print buttons. These will render an image of the graph, not accessible as with the text-based alternatives described.
+ - Searchable table navigation: This table is fully accessible via a keyboard & assistive technology. One thing to note: testing shows that the table is not recognized by assistive technology as a data table that you would typically find on an HTML page, but it is navigable via traditional keyboard/assistive technology methods for tables.
+ If you require special assistance with navigation, please contact the FHFA Webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov?subject=PUDB Dashboards Assistance) , 202-649-3813, TTY users should use #711.
+
+ ##### About
+
+ [Multifamily Public Use Database (PUDB)](https://www.fhfa.gov/DataTools/Downloads/Pages/Public-Use-Databases.aspx) The Multifamily Public Use Database (PUDB) contains Enterprise multifamily mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all multifamily properties. This dashboards rolls up information from the Census Track File nationally, and merge that with the National File.
+
+ 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)
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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":"data\/dashboard\/enterprise-multifamily-public-use-database","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/Enterprise_Single_Family_Public_Use_Database_Dashb_862d6.md

@@ -0,0 +1,257 @@
+---
+source_url: "https://www.fhfa.gov/data/dashboard/enterprise-single-family-public-use-database"
+date_accessed: "2026-01-27T18:10:56.154Z"
+---
+
+> *[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)
+ - [Dashboards](/data/dashboard)
+ - Enterprise Single-Family Public Use Database Dashboard
+
+ 
+
+ # Enterprise Single-Family
+
+  
+ Public Use Database Dashboard
+
+ ##### About
+
+ [Single-Family Public Use Database (PUDB)](https://www.fhfa.gov/data/public-use-database) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboards rolls up information from the Census Track File nationally, and merge that with the National File.
+
+ Documentation  - Please see [PUBD documentation](https://www.fhfa.gov/data/public-use-database-fannie-mae-and-freddie-mac)
+
+ Feedback  - For questions or feedback please contact the PUDB team at [pudbdata@fhfa.gov](mailto:pudbdata@fhfa.gov)
+
+ [About](#) [Accessibility](#)
+
+ Select Dashboard  - Annual Summary  Line Graph  Stacked Bar Chart  State Map  Two Characteristics Cross-tabs
+ - Select Enterprise  - Both
+
+ Fannie Mae
+
+ Freddie Mac
+ Select Single-Family Loan Purpose  - All Loans
+
+ Purchase
+
+ Refinance  ---
+ - Select Statistic
+ - Select Characteristic
+ - Select First Characteristic
+ - Select Second Characteristic
+ - Select Year
+ - Select Year
+ - Select Geography  National
+
+ State
+ - Clear Changes  ---  Export View to CSV  Export View to PDF  Export View to PowerPoint
+
+ ## Dashboard Data
+
+ ##### Accessibility Help
+
+ **Special Instructions for users with disabilities, keyboard users, and screen reader technologies.** - Data filter navigation: When a user changes any criteria, all other parts of the page layout updates filtered data accordingly. Once you navigate out of the filter area, the information you selected is present in the other sections. It is advised that if you choose to change your filter criteria, use the "Clear Changes" button before modifying the filter.
+ - Data visualization graph/chart navigation: This section presents the data visually in graph/chart format. The information contained within is fully provided in the export/copy/print features as well as the searchable table. Special note: the keyboard navigation does pass through this section and will provide a link to a HTML based table. You may use the link, but it is not recommended. Due to limitations beyond FHFA's control, the HTML table does not provide user friendly table headers. Please use alternative methods described below.
+ - Six buttons for export/copy/print navigation: To obtain a text-based table of the data, users of a screen reader should limit themselves to "Export to CSV", "Excel" and "Copy". Each of these buttons provide a text-based table to use in Excel, or other user-selected product that accepts CSV files. The copy feature allows the user to paste the text-based data in any product they choose. If you are using a screen reader, avoid using the Export to PDF, PowerPoint & Print buttons. These will render an image of the graph, not accessible as with the text-based alternatives described.
+ - Searchable table navigation: This table is fully accessible via a keyboard & assistive technology. One thing to note: testing shows that the table is not recognized by assistive technology as a data table that you would typically find on an HTML page, but it is navigable via traditional keyboard/assistive technology methods for tables.
+ If you require special assistance with navigation, please contact the FHFA Webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov?subject=PUDB Dashboards Assistance) , 202-649-3813, TTY users should use #711.
+
+ ##### About
+
+ [Single-Family Public Use Database (PUDB)](/data/pudb) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboard rolls up information from the Census Track File nationally, and merges that with the National File.
+
+ 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":"data\/dashboard\/enterprise-single-family-public-use-database","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/Equal_Employment_Opportunity_and_the_No_FEAR_Act___x017zs.md

@@ -0,0 +1,236 @@
+---
+source_url: "https://www.fhfa.gov/about/fhfa-policies/equal-employment-opportunity-no-fear-act"
+date_accessed: "2026-01-27T17:54:20.338Z"
+---
+
+> *[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
+
+ 
+
+ # Equal Employment Opportunity and the No FEAR Act
+
+ The No FEAR Act is intended to increase the accountability of Federal agencies for acts of discrimination or reprisal against employees, former employees, and applicants.
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [​FHFA AT-A-GLANCE](/about)
+ - [FHFA Policies](/about/fhfa-policies)
+ - Equal Employment Opportunity and The No FEAR Act
+
+ 
+
+ [FHFA EEO Anti-Harassment Policy Statement](/document/fhfa-eeo-anti-harassment-policy-statement)
+
+[FHFA EEO Affirmative Employment Plan](/document/fhfa-eeo-affirmative-employment-plan)
+
+## ​NO FEAR ACT (AS AMENDED)
+
+Equal Employment Opportunity Data Posted Pursuant to Title III of the[Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002 (No FEAR Act)](https://www.govinfo.gov/content/pkg/PLAW-107publ174/html/PLAW-107publ174.htm), Public Law 107-174, and [Elijah E. Cummings Federal Employee Antidiscrimination Act of 2020](https://home.treasury.gov/system/files/306/Elijah-E-Cummings-Federal-Employee-Antidiscrimination-of-2020.pdf), H.R. 6395, Title XI, Subtitle B (Sections 1131-1138).
+
+The No FEAR Act is intended to increase the accountability of Federal agencies for acts of discrimination or reprisal against employees, former employees, and applicants. It became law on May 15, 2002, and became effective on October 1, 2003.
+
+[No FEAR Act Data Reporting](/reports/no-fear-report)
+
+[2024 No FEAR Act Notice](/document/2024-no-fear-act-notice)
+
+The No FEAR Act requires each Federal agency to post on its website certain summary statistical data related to equal employment opportunity complaints filed against it. Section 301(b) of the No FEAR Act and 29 CFR 1614.704 describe the specific data to be posted.
+
+Every quarter FHFA updates and publishes the No FEAR Act data. In addition, OEOF submits a yearly report to congress regarding NO FEAR.
+
+If you have questions or concerns about whistleblower rights, contact the Office of Special Counsel at [www.osc.gov](http://www.osc.gov/) or call (202) 804-7000.
+
+
+
+**Whistleblower Protection Enhancement Act Notice**
+
+Any nondisclosure policies, forms, or agreements between FHFA and its current or former employees do not supersede, conflict with, or otherwise alter the employee obligations, rights, or liabilities created by existing statute or Executive order relating to (1) classified information, (2) communications to Congress, (3) the reporting to an [Inspector General](mailto:wpc@fhfaoig.gov) (Hotline – 800-793-7724) of a violation of any law, rule, or regulation, or mismanagement, a gross waste of funds, an abuse of authority, or a substantial and specific danger to public health or safety, or (4) any other whistleblower protection. The definitions, requirements, obligations, rights, sanctions, and liabilities created by controlling Executive orders and statutory provisions are controlling in the case of any conflict with an agency non-disclosure agreement: Executive Order 13526; 5 U.S.C. 2302(b)(8); 10 U.S.C. 1034; 50 U.S.C. 421 et seq.; 18 U.S.C. 641, 793, 794, 798, 952 and 1924; 50 U.S.C. 783(b); 5 U.S.C. Appx. 3; and 5 U.S.C. 7211.​​
+
+ 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\/1116","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/Executive_Compensation___FHFA_qu969f.md

@@ -0,0 +1,271 @@
+---
+source_url: "https://www.fhfa.gov/policy/executive-compensation"
+date_accessed: "2026-01-27T17:54:20.434Z"
+---
+
+> *[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)
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+ - [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)
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+ - [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)
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+
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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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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
+
+ 
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Policy](/policy)
+ - Executive Compensation
+
+ 
+
+ Policy
+
+ # Executive Compensation
+
+ ## Executive Compensation Rule
+
+The Executive Compensation Rule sets forth requirements and processes with respect to compensation provided to executive officers by Fannie Mae, Freddie Mac, the FHLBanks, and the Office of Finance, consistent with the safety and soundness responsibilities of FHFA under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The 2014 final rule is codified at 12 CFR part 1230. Link to the [Executive Compensation Rule](/regulation/federal-register/final-rule/executive-compensation-final-rule).
+
+## Golden Parachute Payments Rule
+
+The Golden Parachute Payments Rule addresses prohibited golden parachute payments to affiliated parties in connection with termination from Fannie Mae, Freddie Mac, the FHLBanks, or the Office of Finance. The 2018 final rule is codified at 12 CFR part 1231. Link to the [Golden Parachutes Payments Rule](/regulation/federal-register/final-rule/golden-parachute-payments-final-rule)​.
+
+## Federal Home Loan Bank System
+
+From 1999 to 2008, the annual compensation of the FHLBank directors was subject to statutory caps. Consequently, the annual maximum compensation for the chairmen of the boards of directors was set at the statutory cap. Although the annual compensation of the other directors varied by position (vice chair, audit committee chair, other committee chairs), it was similar across the FHLBanks.
+
+With the enactment of the Housing and Economic Recovery Act of 2008 (HERA), Congress repealed the statutory caps and authorized the FHLBanks to pay reasonable compensation to their directors, subject to FHFA review.
+
+During 2021, the total fees paid to all FHLBank directors were $22.2 million, ranging from $1.56 million for the 14-member board of the FHLBank of Atlanta to $2.51 million for the 22-member board of the FHLBank of Des Moines. The average compensation for a director (including the committee chairs) ranged from $111,134 at the FHLBank of Atlanta to $121,194 at the FHLBank of San Francisco.
+
+For more information on annual FHLBank board of director compensation, see [FHFA's Annual Report to Congress](/sites/default/files/documents/FHFA_2019_Report-to-Congress.pdf).
+
+*For FHLBank executive compensation, see documents filed with the Securities and Exchange Commission.*[*Electronic Data Gathering, Analysis, and Retrieval (EDGAR) system – Company Filings*](https://www.sec.gov/cgi-bin/browse-edgar?company=Federal+Home+Loan+Bank&owner=exclude&action=getcompany)*.*
+
+## Fannie Mae and Freddie Mac
+
+​The compensation paid to senior executives of Fannie Mae and Freddie Mac (the Enterprises) is established after consideration of private sector pay comparability reviews prepared by outside pay consultants retained by the boards of directors, and in consultation by FHFA with the U.S. Department of the Treasury.
+
+For more information on annual Fannie Mae and Freddie Mac executive compensation, see [FHFA's Annual Report to Congress](/sites/default/files/documents/FHFA_2019_Report-to-Congress.pdf) and the Form 10-K Filings and Reports to Congress on Compensation linked below.
+
+## ​Executive Compensation and Incentive Compensation Plans
+
+In 2012, FHFA changed the compensation Fannie Mae and Freddie Mac executives are eligible to earn, and these changes remain in effect today. FHFA designed the compensation structure to provide competitive compensation and retain key managers. It includes a retention feature and reductions for missed performance.
+
+Implementation of the new structure also included a 10 percent reduction to most executives’ total direct compensation and eliminated bonuses and incentive plans that had been in place.
+
+Each Enterprise executive officer’s target total direct compensation is the sum of base salary and deferred salary, which are paid in cash. Base salary is earned and paid on the Enterprises’ standard payroll cycle. Base salaries of Enterprise executive officers may not exceed $600,000. Deferred salary is earned on the Enterprises’ standard payroll cycles and paid as described below.
+
+Under the incentive compensation plans, there are two types of deferred salary—fixed and at-risk. The fixed portion is earned in each quarter and will be paid out in full at the end of the same quarter in the following year. At-risk deferred salary is equal to 30 percent of the total direct compensation of each executive and may be reduced based on performance of the company and the individual. The first portion subject to reduction (15 percent) is based upon conservatorship performance, as determined by FHFA. FHFA bases its assessment on an evaluation of performance against the [Scorecard](/reports/conservatorships-performance-goals-scorecard)​. The remaining portion subject to reduction (15 percent) is determined by the Enterprises. Fannie Mae's and Freddie Mac's assessments are based on goals established by their boards of directors.
+
+For incentive plan participants hired after December 31, 2019, at-ri​sk deferred salary earned in each quarter will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned.
+
+For incentive plan participants hired before December 31, 2019, at-risk deferred salary earned in each quarter prior to January 1, 2022 will be paid out at the end of the same quarter of the following calendar year, and at-risk deferred salary earned in each quarter after January 1, 2022 will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned; provided, however, that as a transition period, one-half of at-risk compensation earned by these incentive plan participants during 2022 will be paid out in 2023 and the remainder will be paid out in 2024.
+
+The plan also includes a retention tool. If an executive leaves the company or is terminated, the fixed deferred salary is reduced by 2 percent per month for each month between the date the employee leaves and January 31st of the second calendar year after the end of the performance year, subject to certain exceptions including retirement.
+
+The compensation listed in each of Fannie Mae’s and Freddie Mac’s most recent annual reports as paid in the most recent year may include compensation earned in the most recent year and deferred compensation earned in prior years but paid in the most recent year.
+
+Information regarding executive compensation oversight is set forth in the Enterprises’ Form 10-K SEC annual filings.
+
+## 202​2 Enterprise Form 10-K Filings
+
+*See Item 9b. Other Information (and) Item 11. Executive Compensation*
+
+[Fannie Mae 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/310522/000031052223000184/fnm-20221231.htm)
+
+[Freddie Mac 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/1026214/000102621423000037/fmcc-20221231.htm)
+
+## Related Documents
+
+[Statement of Acting Director Edward J. DeMarco, Before the U.S. House of Representatives, Committee on Oversight and Government Reform (11/16/2011)](/news/testimony/statement-of-edward-j.-demarco-before-the-u.s.-house-committee-on-oversight-and-government-reform)
+
+
+
+*​Date last updated: August 28, 2023​​*
+
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Public_Use_Database___FHFA/links/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_syma5o.md

@@ -0,0 +1,213 @@
+---
+source_url: "https://www.fhfa.gov/reports/fair-act-inventory"
+date_accessed: "2026-01-27T17:54:20.457Z"
+---
+
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+
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+ - [Affordable Housing & Community Investment](/programs/affordable-housing)
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+
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+
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+
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+
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+
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+
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+
+ 
+
+ # FAIR Act Inventory
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Reports](/reports)
+ - FAIR Act Inventory
+
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+ [Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/246&order=field_release_date&sort=asc)  Report  Attachment  September 07, 2023  [2019 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2019)  [Read Report](/media/52126)  September 07, 2023  [2020 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2020)  [Read Report](/media/52131)  September 07, 2023  [2021 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2021)  [Read Report](/media/52136)  September 07, 2023  [2018 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2018)  [Read Report](/document/2018-fhfa-fair-act-inventory)  March 07, 2019  [2017 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2017)  [Read Report](/document/2017-fhfa-fair-act-inventory)  June 27, 2016  [2016 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2016)  [Read Report](/media/29871)  June 23, 2015  [2015 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2015)  [Read Report](/media/29866)  June 25, 2014  [2014 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2014)  [Read Report](/media/29861)  June 26, 2013  [2013 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2013)  [Read Report](/media/25416)  June 12, 2012  [2012 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2012)  [Read Report](/media/25411)  June 23, 2011  [2011 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2011)  [Read Report](/document/2011-fhfa-fair-act-inventory)  June 30, 2010  [2010 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2010)  [Read Report](/media/25421)  June 30, 2009  [2009 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2009)  [Read Report](/media/25426)
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Public_Use_Database___FHFA/links/_.md/Fact_Sheets___FHFA_yux7g.md

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+ November 18, 2024
+
+ ## [2025 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2025-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac)
+
+ Background Since 2015, FHFA has set caps on the Enterprises’ conventional (market-rate) multifamily businesses. The purpose of the caps is to ensure the Enterprises support liquidity in the multifamily market, particularly for affordable housing and underserved segments, without crowding out private...
+ - Fact Sheet
+
+ November 14, 2023
+
+ ## [2024 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2024-multifamily-caps-for-fannie-mae-and-freddie-mac)
+
+ HIGHLIGHTS OF 2024 MU​​LTIFAMILY CAPS ​The 2024 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $70 billion for each Enterprise, for a total of $140 billion during the calendar year. FHFA anticipates the 2024 cap levels will be...
+ - Fact Sheet
+
+ November 7, 2023
+
+ ## [FHLBank System at 100: Focusing on the Future](/FHLBank-System-at-100-Focusing-on-the-Future-Fact-Sheet)
+
+ View Full Fact Sheet (PDF) BACKGROUND 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. Today, the Federal Home Loan Banks (FHLBanks) connect domestic financial institutions—many of which are small...
+ - Fact Sheet
+
+ June 22, 2023
+
+ ## [Non-Performing and Re-performing Loan Sale Requirements - June 2023](/news/fact-sheet/non-performing-and-re-performing-loan-sale-requirements-june-2023)
+
+ ​​​View Full Fact Sheet (PDF)​​​ ​​ BACKGROUND​ The Federal Housing Finance Agency (FHFA) requires sales of non- performing loans (NPLs) and re-performing loans (RPLs) by Freddie Mac and Fannie Mae (the Enterprises) to meet specific requirements. Drawing on the Enterprises’ experience with NPL and...
+ - Fact Sheet
+
+ March 23, 2023
+
+ ## [Fact Sheet: Credit Score Models and Credit Report Requirements](/news/fact-sheet/fact-sheet-credit-score-models-and-credit-report-requirements)
+
+ ​ ​View ​ Full Fact Sheet (PDF) FHFA Announces Proposed Implementation Timelines for Credit Score Models and Credit Report Requirements and a Public Engagement Process The Federal Housing Finance Agency (FHFA) announced proposed implementation timelines for the use of the FICO 10T and the...
+ - Fact Sheet
+
+ February 23, 2023
+
+ ## [Proposed Rule to Amend Enterprise Regulatory Capital Framework](/news/fact-sheet/proposed-rule-to-amend-enterprise-regulatory-capital-framework)
+
+ ​​​​ ​​​​​​FHFA PROPOSED RULE TO AMEND ENTERPRISE REGULATORY CAPITAL FRAMEWORK Background ​​The Housing and Economic Recovery Act of 2008 amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to require the Federal Housing Finance Agency (FHFA) to establish, by...
+ - Fact Sheet
+
+ December 20, 2022
+
+ ## [FHFA Factsheet on the New Enterprise Products and Activities Final Rule](/news/fact-sheet/fhfa-factsheet-on-the-new-enterprise-products-and-activities-final-rule)
+
+ ​View Full Fact Sheet (PDF) FINAL RULE FOR PRIOR APPROVAL OF ENTERPRISE PRODUCTS BACKGROUND Section 1321 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by section 1123 of the Housing and Economic Recovery Act of 2008 (Safety and Soundness Act), requires...
+ - Fact Sheet
+
+ November 10, 2022
+
+ ## [2023 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2023-multifamily-caps-for-fannie-mae-and-freddie-mac)
+
+ ​​​HIGHLIGHTS OF 2023 MULTIFAMILY CAPS ​The 2023 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $75 billion for each Enterprise, for a total of $150 billion during the calendar year 2023.​ FHFA anticipates the 2023 cap levels to be...
+ - Fact Sheet
+
+ October 24, 2022
+
+ ## [FHFA Announcement on Credit Score Models](/news/fact-sheet/fhfa-announcement-on-credit-score-models)
+
+ ​​View Full Fact Sheet (PDF )​ FHFA ANNOUNCES VALIDATION AND APPROVAL OF FICO 10T AND VANTAGESCORE 4.0 CREDIT SCORE MODELS NEWLY APPROVED MODELS WILL IMPROVE ACCURACY, STRENGTHEN ACCESS TO CREDIT, AND ENHANCE SAFETY AND SOUNDNESS On October 24, 2022, the Federal Housing Finance Agency (FHFA)...
+ - Fact Sheet
+
+ August 25, 2022
+
+ ## [Tenant Protections for Enterprise-Backed Rental Properties in Response to COVID-19](/news/fact-sheet/tenant-protections-for-enterprise-backed-rental-properties-in-response-to-covid-19)
+
+ INFORMATION FOR TENANTS IN RENTAL PROPERTIES WITH A FANNIE MAE OR FREDDIE MAC MORTGAGE​ Federal Resou​rces for Tenants During the COVID-19 National Emergency In response to the COVID-19 pandemic, the federal Emergency Rental Assistance program makes funding available to assist households that are...
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Public_Use_Database___FHFA/links/_.md/Fair_Lending_Data___FHFA_gfhp3b.md

@@ -0,0 +1,233 @@
+---
+source_url: "https://www.fhfa.gov/data/fair-lending"
+date_accessed: "2026-01-27T17:54:20.633Z"
+---
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+
+ 
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [FHFA Data](/data)
+ - Fair Lending Data
+
+ 
+
+ # Fair Lending Data
+
+ Fair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA’s fair lending activities include monitoring the regulated entities for fair lending and fair housing risk and conducting examinations on their policies, programs, and activities. FHFA monitors loan application accept rates and other trends for fair lending risk and compliance.
+
+The data are provided for public transparency and to promote fair lending, but do not by themselves prove or disprove unlawful discrimination.
+
+## Statistics Reported
+
+The *accept rate* represents the proportion of applicants who were approved by the AUS and whose loans are eligible for purchase based on their credit characteristics. It does not represent final credit decisions concerning applicants, which are made by lenders. The accept rate is influenced by the population of borrowers applying for mortgage credit. The number borrowers who are submitted to the AUS is constantly changing and fluctuates with changes in market interest rates, affordability, household formation, lender selection, and other market factors. Additionally, lenders may use one or both AUS systems to assess an applicant.
+
+The *accept rate gap* represents the raw difference between the protected class accept rate and the comparison group (Non-Hispanic white) accept rate. The *accept rate ratio* represents the protected class accept rate divided by the comparison group accept rate. These statistics help FHFA to assess the impact of changes in the population applying for credit and policy changes in the AUS.
+
+Loans that are accepted by the AUS and originated by lender may or may not result in an Enterprise loan acquisition, or funding. Enterprise loan acquisitions are influenced by a variety of factors such as the lender’s propensity to securitize or retain loans on the balance sheet, pricing and execution, as well as other economic variables. Loan acquisition data are displayed by race and ethnicity along with the proportion (or share) of loan acquisitions for that quarter.
+
+## Race and Ethnicity
+
+The Enterprises define race and ethnicity using non-mutually exclusive definitions and applications are counted with each race or ethnicity reported by a borrower or co-borrower. For example, if there are two borrowers on a mortgage, one of whom identifies as Black and one as Asian, the loan information would be counted in both Black and Asian borrower categories. The exception is that white borrowers include only those reported as non-Hispanic white and no other race. Borrowers with missing race and ethnicity information are excluded from the population when calculating the proportion of loan acquisitions.
+
+For race and ethnicity categories, FHFA’s Division of Public Interest Examinations and Office of Fair Lending Oversight uses the following naming conventions: “White” refers to Non-Hispanic white applicants or borrowers; “Black” refers to African American or Black borrowers; “Latino” refers to Hispanic or Latino borrowers of any race; “American Indian” refers to American Indian or Alaska Native borrowers (AIAN); “Pacific Islander” refers to Native Hawaiian or Pacific Islander borrowers; “Asian” refers to Asian borrowers.
+
+## AUS Data
+
+The underlying data consist of application data for each Enterprise's Automated Underwriting System (AUS) that have been transmitted to FHFA. Fannie Mae uses Desktop Underwriter (DU), and Freddie Mac uses Loan Product Advisor (LPA) as their respective AUS system. The data represent the AUS recommendation for the last transaction submitted to the AUS, excluding applications that were not scorable, applications for FHA/VA loans, and applications identified as test cases.
+
+Population Aggregation/ Geographic Level Metric Link Latest Update Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate [Quarterly National Enterprise Accept Rates](/data/dashboard/enterprise-aus-quarterly-national-accept-rate) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Gap [Quarterly National Enterprise Accept Rate Gaps](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-gap) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Ratio [Quarterly National Enterprise Accept Rate Ratio](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-ratio) 4/29/2024 Enterprise Loan Acquisitions and Fundings Quarterly National Time Series Share of Loan Acquisitions [Quarterly Acquisition Share](/data/dashboard/enterprise-quarterly-national-share-of-loan-acquisitions) 4/29/2024 **Download**: [Fair Lending aggregate data and documentation](/document/fair-lending-data-files) [ZIP - 266 KB]
+
+Page Last Updated: February 21, 2024​​​​​​
+
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Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Alloca_mnkikn.md

@@ -0,0 +1,249 @@
+---
+source_url: "https://www.fhfa.gov/policy/enterprise-affordable-housing-allocations"
+date_accessed: "2026-01-27T17:54:20.427Z"
+---
+
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+
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+ - Policy & Programs  [Policy](/policy)
+
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+ - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform)
+ - [Credit Risk Transfer](/policy/credit-risk-transfer)
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+
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+
+ - [Affordable Housing & Community Investment](/programs/affordable-housing)
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+ - [Financial Technology](/programs/fintech)
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+
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+
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+
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+ - Fannie Mae & Freddie Mac Affordable Housing Allocations
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+ 
+
+ Policy
+
+ # Fannie Mae & Freddie Mac Affordable Housing Allocations
+
+ The [Housing and Economic Recovery Act of 2008 (HERA)](/node/27141#HERA) requires the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), together, the Enterprises, to set aside an amount equal to 4.2 basis points of each dollar of the unpaid principal balance of Fannie Mae’s and Freddie Mac’s total new business purchases and to allocate and transfer those funds to the Housing Trust Fund and the Capital Magnet Fund; 12 USC 4567(a).
+
+HERA authorizes the Director of the Federal Housing Finance Agency (FHFA) to temporarily suspend allocations by an Enterprise upon a finding by the Director that such allocations: 1) are contributing, or would contribute, to the financial instability of the Enterprise; 2) are causing, or would cause, the Enterprise to be classified as undercapitalized; or 3) are preventing, or would prevent, the Enterprise from successfully completing a capital restoration plan; 12 USC 4567(b).
+
+On November 13, 2008, the Director of FHFA temporarily suspended the allocation of funds by the Enterprises pursuant to section 4567(b). On December 11, 2014, the Director of FHFA terminated the temporary suspension of these allocations and directed the Enterprises to begin making contributions pursuant to 12 USC 4567(a) in accordance with certain terms and conditions.
+
+
+
+#### Links:
+
+---
+
+[FHFA Announces More than $1.1 Billion for Affordable Housing Programs​](/fhfa-announces-more-11-billion-affordable-housing-programs) (2/28/2022)
+
+[FHFA Release on Authorization of Affordable Housing Funds](/fhfa-authorizes-more-1-billion-affordable-housing-funds) (3/1/2021)
+
+[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund-0)​ (2/27/2020)
+
+[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund)(4/3/2019)
+
+[Letter to Fannie Mae](/sites/default/files/2023-04/Affordable-Housing-Funds_FNM-Directive.pdf) (4/3/2019)
+
+[Letter to Freddie Mac](/sites/default/files/2023-04/Affordable-Housing-Funds_FRE-Directive.pdf) (4/3/2019)​
+
+[​](/sites/default/files/2023-02/2-7-18_ltr_fannie_mae_re_housing_trust_fund.pdf)[Letter to Fannie Mae](/sites/default/files/2023-02/2-7-18_ltr_Fannie_Mae_re_Housing_Trust_Fund_0.pdf) (2/7/2018)
+
+[Letter to Freddie Mac](/sites/default/files/2023-02/2-7-18_ltr_freddie_mac_re_housing_trust_fund.pdf) (2/7/2018)
+
+[Housing Trust Fund Interim Final Rule](/regulation/federal-register/interim-final-rule/housing-trust-fund) (12/16/2014)
+
+[FHFA Statement on the Housing Trust Fund and Capital Magnet Fund](/fhfa-statement-housing-trust-fund-and-capital-magnet-fund) (12/11/2014)
+
+[Letter to Fannie Mae](/sites/default/files/2023-04/FNM_HTFCMF12112014.pdf) (12/11/2014)
+
+[Letter to Freddie Mac](/sites/default/files/2023-04/FRE_HTFCMF12112014.pdf) (12/11/2014)
+
+[Letter to Fannie Mae](/sites/default/files/2023-02/11-13-08_ltr_fannie_mae_re_affordable_housing_allocations.pdf) (11/13/2008)
+
+[Letter to Freddie Mac](/sites/default/files/2023-02/11-13-08_ltr_freddie_mac_re_affordable_housing_allocations.pdf) (11/13/2008)
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Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__yhcomd.md

@@ -0,0 +1,317 @@
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+source_url: "https://www.fhfa.gov/programs/enterprise-affordable-housing-goals"
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+
+ ## Breadcrumb
+
+ - [Home](/)
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+ - Fannie Mae & Freddie Mac Affordable Housing Goals
+
+ 
+
+ Program
+
+ # Fannie Mae & Freddie Mac Affordable Housing Goals
+
+ - **News:​**
+
+[Fannie and Freddie Empowered to Support Middle-Class Homeownership](/news/news-release/fannie-and-freddie-empowered-to-support-middle-class-homeownership)
+
+- Learn more about the 2026–2028 Enterprise Housing Goals [Final Rule](/regulation/federal-register/final-rule/2026-2028-enterprise-housing-goals-final-rule).
+​[FHFA Releases Housing Goals Data​](/news/news-release/fhfa-releases-additional-data-on-enterprise-fair-lending-and-housing-goals)
+
+- ​Learn more about [Enterprise housing goals data](/data/enterprise-housing-goals).
+
+ ## Housing Goals Overview
+
+Under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, Fannie Mae and Freddie Mac are subject to affordable housing goals covering their purchases of single-family mortgages and multifamily mortgages.
+
+### Single-Family Housing Goals
+
+There are three single-family housing goals for home purchase mortgages (plus two subgoals) and one single-family housing goal for refinance mortgages.
+
+The single-family home purchase (HP) housing goals are based on the percentage of the total number of home purchase mortgages that an Enterprise purchases each year that are for families in the following categories:
+
+- Low-income families (income no greater than 80 percent of area median income);
+- Very low-income families (income no greater than 50 percent of area median income); and
+- Families in low-income areas which include families with income no greater than 100 percent of area median income who reside in designated disaster areas and the subgoal(s):- Before 2022: low-income areas subgoal
+- Since 2022: low-income census tracts subgoal and minority census tracts subgoal
+Th​e single-family refinance housing goal is based on the percentage of the total number of refinance mortgages that an Enterprise purchases each year that are for low-income families (income no greater than 80 percent of area median income).
+
+FHFA is required to [estimate the size of the mortgage market in order to establish benchmarks for Fannie Mae and Freddie Mac single-family mortgage housing goals](/research?category%5B176%5D=176).
+
+### ​Multifamily Housing Goals
+
+There are three multifamily housing goals and subgoals in the following categories:
+
+- A goal for the percentage of units affordable to low-income families (income no greater than 80 percent of area median income);
+- A subgoal for the percentage of units affordable to very low-income families (income no greater than 50 percent of area median income); and
+- A subgoal for units in small (5- to 50-unit) multifamily properties affordable to low-income families.
+Before 2023, the multifamily goals and subgoals were based on the absolute number of affordable units in multifamily properties financed by mortgages purchased by the Enterprises. Starting in 2023, the multifamily goals and subgoals are based on the percentage of affordable units in multifamily properties financed by mortgages purchased by the Enterprises.
+
+## Resources****
+
+**Housing Goals Performance​**
+
+​Learn more about [Fannie Mae's and Freddie Mac's housing goals performance](/programs/affordable-housing/housing-goals-performance).
+
+[Annual Housing Report](/reports/annual-housing-report)
+
+
+
+**Housing Goals Data**
+
+Learn more about [Fannie Mae's and Freddie Mac's housing goals data](/data/enterprise-housing-goals)​.​
+
+**Housing Goals Final Rule Documents**
+
+[Housing Goals Final Rule for 2026-2028 Enterprise Housing Goals](/regulation/federal-register/final-rule/2026-2028-enterprise-housing-goals-final-rule)
+
+[Housing Goals Final Rule for 2025-2027 Enterprise Housing Goals](/regulation/federal-register/final-rule/2025-2027-enterprise-housing-goals-final-rule)
+
+[Housing Goals Final Rule Model Paper: The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/sites/default/files/2024-12/Dec2024-Market-Estimates-2025-2027.pdf)
+
+[Housing Goals Final Rule for 2023-2024 Multifamily Goals](/regulation/federal-register/final-rule/2023-2024-multifamily-enterprise-housing-goals-final-rule)
+
+[Housing Goals Final Rule for 2022-2024 Single-Family and 2022 Multifamily Goals](/regulation/federal-register/final-rule/2022-2024-single-family-and-2022-multifamily-enterprise-housing-goals)
+
+[Housing Goals Final Rule Model Paper: The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals](/sites/default/files/documents/Dec2021_Market-Estimates-2022-2024.pdf)
+
+
+
+**Housing Goals Proposed Rule Documents**
+
+[Housing Goals Proposed Rule for 2025-2027 Enterprise Housing Goals](/regulation/federal-register/proposed-rulemaking/2025-2027-enterprise-housing-goals)
+
+[Housing Goals Proposed Rule Model Paper: The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/sites/default/files/2024-09/Market-Estimates_2025-2027.pdf)
+
+[Housing Goals Proposed Rule for 2023-2024 Multifamily Goals](/regulation/federal-register/proposed-rulemaking/2023-2024-multifamily-enterprise-housing-goals-proposed-rule)
+
+[Housing Goals Proposed Rule for 2022-2024 Single-Family and 2022 Multifamily Goals](/regulation/federal-register/proposed-rulemaking/2022-2024-enterprise-housing-goals-proposed-rule)
+
+[Housing Goals Proposed Rule Model Paper: The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals](/sites/default/files/documents/Market-Estimates_2022-2024.pdf)
+
+
+
+**Archive Rule Documents**
+
+Rule Year Proposed Rule Final Rule 2021 [Federal Register](https://www.federalregister.gov/documents/2020/08/13/2020-15959/2021-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2020/12/21/2020-28083/2021-enterprise-housing-goals) 2018-2020 [Federal Register](https://www.federalregister.gov/documents/2017/07/07/2017-14286/2018-2020-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2018/02/12/2018-02649/2018-2020-enterprise-housing-goals) 2015-2017 [Federal Register](https://www.federalregister.gov/documents/2014/09/11/2014-21118/2015-2017-enterprise-housing-goals) [Federal Register](https://www.federalregister.gov/documents/2015/09/03/2015-20880/2015-2017-enterprise-housing-goals) 
+
+**​Enterprise Reports**
+
+[Fannie Mae Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/fannie-mae)  
+[Freddie Mac Housing Goal Annual Housing Activity Reports and Determinations](/programs/affordable-housing/enterprise-housing-goals/freddie-mac)
+
+
+
+**Group Homes Letters**
+
+[Fannie Mae](/sites/default/files/2024-02/Group-Homes-Fannie-Mae-2252016.pdf)  
+[Freddie Mac](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf)
+
+#### Utility Allowances Letters
+
+Year Fannie Mae Freddie Mac 2024-Present [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-121523.pdf) [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Freddie-Mac-121523.pdf) 2015-2023 [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-082715.pdf) [[PDF]](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf) 
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Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Private_Mortgage_Insurer__kfezpq.md

@@ -0,0 +1,229 @@
+---
+source_url: "https://www.fhfa.gov/policy/pmiers"
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+
+ 
+
+ Policy
+
+ # Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS)
+
+ ## Background
+
+When Fannie Mae and Freddie Mac (the Enterprises) purchase single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80 percent of the value of the underlying property, their charters require them to obtain an acceptable form of credit enhancement for the mortgage. Mortgage insurance is the most commonly used form of credit enhancement. Primary mortgage insurance covers the first losses on mortgage loans that exceed 80 percent loan-to-value (LTV) and reduces potential losses for Fannie Mae and Freddie Mac in the event of foreclosure.
+
+A direct result of the financial crisis was a steep rise in defaults and foreclosures of single-family mortgages, including those owned or guaranteed by the Enterprises. Mortgage insurers (MIs) and the Enterprises suffered significant losses as a result of these defaults and foreclosures. Because many MIs did not have sufficient capital to withstand the sharp downturn, Fannie Mae and Freddie Mac suffered losses when some MIs failed to fully pay their mortgage insurance claims.
+
+Historically, each Enterprise had its own set of eligibility requirements for MIs to obtain and maintain the status of "Approved Insurer" eligible to do business with that Enterprise. FHFA, in its role as Conservator of the Enterprises, directed Fannie Mae and Freddie Mac to revise and align their mortgage insurer eligibility requirements to ensure that approved MIs possess the financial and operational capacity to withstand a financial crisis or severe downturn going forward. This is a key Scorecard item for 2015.
+
+On July 10, 2014 the Federal Housing Finance Agency sought public on draft eligibility requirements for private mortgage insurers that provide mortgage insurance on loans acquired by Fannie Mae or Freddie Mac. The public input period lasted 60 days, and closed on September 8. To view documents related to the draft PMIERs and input received, click here​.
+
+On April 17, 2015, Fannie Mae and Freddie Mac published revised PMIERs on their websites.
+
+On June 30, 2015, Fannie Mae and Freddie Mac further revised the PMIERS to include financial requirements for loans with lender-paid mortgage insurance.
+
+In the 2017 and 2018 Scorecards, FHFA directed the Enterprises to evaluate the existing PMIERS and whether changes or updates were appropriate. The Enterprises completed their analysis of the existing PMIERs and after consulting with the mortgage insurance companies, published revised PMIERs on September 27, 2018.
+
+FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Update Their Private Mortgage Insurer Eligibility Requirements](/node/8866) (9/27/2018)
+
+FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Issue Revised Private Mortgage Insurer Eligibility Requirements](/node/7631) (4/17/2015)
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Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac___FHFA_yu76yj.md

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+date_accessed: "2026-01-27T17:54:20.417Z"
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+ - [Credit Scores](/policy/credit-scores)
+ - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio)
+ - [Executive Compensation](/policy/executive-compensation)
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+ - [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)
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+ - [Financial Technology](/programs/fintech)
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+ - [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)
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+
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+
+ [Research](/research)
+
+ - [Briefs, Notes & White Papers](/research?category%5B176%5D=176)
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+
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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)
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+ - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report)
+ - [FHLBank System at 100](/reports/fhlbank-system-at-100)
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+ .usa-header--basic .usa-nav__link:hover::after { height: 0; }  Menu
+
+ 
+
+ # Fannie Mae & Freddie Mac
+
+ FHFA is responsible for ensuring that Fannie Mae and Freddie Mac operate in a safe and sound manner. This is done through prudential supervision and regulation.
+
+## Examination
+
+FHFA’s annual examination program assesses Fannie Mae's and Freddie Mac's financial safety and soundness and overall risk management practices.
+
+We utilize three approaches to achieve our supervisory responsibilities:
+
+- ongoing monitoring;
+- targeted examinations; and
+- risk assessments.
+We evaluate Fannie Mae's and Freddie Mac's financial condition, earnings, liquidity, and efforts taken to mitigate losses in its single-family and multifamily portfolios.
+
+We assess their response to continued stress in the mortgage markets and its effect on their risk profile, performance, and condition.
+
+Additionally, we evaluate their effectiveness of remediation of previously identified matters requiring attention.
+
+We also evaluate the board’s and management’s responses to deficiencies and weaknesses identified by the Enterprise’s Internal Audit Department and external auditors.
+
+Our oversight program ensures coordination among all mission-critical supervisory functions throughout the examination process - including accounting and disclosure, capital adequacy, examination, financial analysis, and supervision infrastructure.
+
+These interdependent assessments provide us with the basis for assigning a composite safety and soundness rating.
+
+**[OFHEO - Predecessor Agency - Special Examination Reports]**
+
+[Report of the Special Examination of Fannie Mae - May 2006](/sites/default/files/2023-03/20060517_SpecialExaminationFannieMae_N508.pdf)  
+[Report of Findings to Date Special Examination of Fannie Mae - September 2004](/sites/default/files/2023-03/FNMfindingstodate17sept04_0.pdf)   
+[Report of the Special Examination of Freddie Mac - December 2003](/sites/default/files/2023-03/20031220_SpecialExaminationReportFreddieMac_N508.pdf)
+
+## Reporting Framework
+
+We use a specific framework to summarize examination results and conclusions to Fannie Mae's and Freddie Mac's board of directors and Congress. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**
+
+Read our [Annual Report to Congress](/reports/annual-report-to-congress).
+
+[Fannie Mae and Freddie Mac Capital Requirements](/supervision/fannie-mae-and-freddie-mac/capital-requirements)
+
+[Miscellaneous Pre-2008 Guidance](/supervision/fannie-mae-and-freddie-mac/miscellaneous-pre-2008-guidance)
+
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Public_Use_Database___FHFA/links/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__zfw6p4.md

@@ -0,0 +1,294 @@
+---
+source_url: "https://www.fhfa.gov/policy/enterprise-multifamily-businesses"
+date_accessed: "2026-01-27T17:54:20.680Z"
+---
+
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+
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+ - [Pilot Transparency](/policy/pilot-transparency)
+ - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers)
+ - [Representation and Warranty Framework](/policy/representation-and-warranty-framework)
+
+ [Programs](/programs)
+
+ - [Affordable Housing & Community Investment](/programs/affordable-housing)
+ - [Duty to Serve](/programs/duty-to-serve)
+ - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals)
+ - [Financial Technology](/programs/fintech)
+ - [Fraud Prevention](/programs/fraud-prevention)
+ - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission)
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+ - [National Mortgage Database](/programs/nmdb)
+ - [Natural Disaster Risk](/programs/natural-disaster-risk)
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+
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+
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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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+
+ 
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [Policy](/policy)
+ - Fannie Mae and Freddie Mac Multifamily Businesses
+
+ 
+
+ Policy
+
+ # Fannie Mae and Freddie Mac Multifamily Businesses
+
+ Fannie Mae and Freddie Mac continue to play a significant role in supporting multifamily housing needs, particularly for low-income households. FHFA's goal is to maintain Enterprise support of the multifamily affordable housing market without crowding out private capital. FHFA's focus includes multifamily lending for affordable units across several sectors, including traditional affordable housing such as Low-Income Housing Tax Credit (LIHTC) properties, seniors housing, rural markets, and manufactured housing communities.
+
+FHFA will require the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. The Enterprises use two models of credit risk transfers: Fannie Mae uses loss-sharing transactions through a delegated underwriting system, which has produced low losses since it was first offered in 1988; and Freddie Mac has a capital markets execution to transfer the bulk of its credit risk. Both approaches align interests between the Enterprises and lenders to manage complex credit decisions and limit losses. The positive results of these models were confirmed by the Enterprises' multifamily portfolio performance through the 2008 financial crisis and by the broad liquidity available to most segments of the market.
+
+## Related Documents
+
+[FHFA Revises Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac (September 13, 2019 News Release)](/document/frereport_mf_marketanalysis)[​](/document/frereport_mf_marketanalysis)[FACT SHEET: New Multi](/document/frereport_mf_marketanalysis)[family Caps for Fannie Mae and Freddie Mac (S](/media/31391)[eptember 13, 2019)](/media/14296)​   
+[Prepared Remarks of Melvin L. Watt at the Brookings Institution Forum on the Future of Fannie Mae and Freddie Mac​](/node/6816)​  
+[2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/node/2756)  
+[The 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac](/node/2681)  
+[FHFA Seeks Public Input on Reducing Fannie Mae and Freddie Mac Multifamily Businesses (August 9, 2013 News Release](/node/5341))  
+[FHFA Releases Fannie and Freddie Reports on Viability of Their Multifamily Businesses Without Government Guarantees (May 3, 2013 News Release)](/node/5756)  
+[Fannie Mae: Analysis of the Viability of Fannie Mae’s Multifamily Business Operating without a Government Guarantee - Response to FHFA Scorecard Directive (December 17, 2012)](/media/31391)  
+[Freddie Mac: Report to the Federal Housing Finance Agency: Housing Finance Reform in the Multifamily Mortgage Market (December 2012)](/media/21851)
+
+## Public Input
+
+[Undated Arbor Commercial Mortgage](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)  
+[Undated Bridge Capital Partners](/sites/default/files/2023-02/bridge_capital_partnerss.pdf)  
+[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[CBRE Capital Markets](/sites/default/files/2023-03/cbre.pdf)  
+[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[H and H Homes](/sites/default/files/2023-02/h_and_h_homes.pdf)  
+[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Martell & Associates](/sites/default/files/2023-02/martellandassociates.pdf)  
+[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Sonoma Housing Advisors](/sites/default/files/2023-03/sonoma_housing_advisors.pdf)  
+[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Washington State Housing Finance Corporation (WSHFC)](/sites/default/files/2023-03/wshfc.pdf)  
+[8/16/2013 Northmarq Capital](/sites/default/files/2023-03/northmarq_capital.pdf)  
+[9/1/2013 Louisiana Community Reinvestment Coalition](/sites/default/files/2023-03/louisiana_community_reinvestment_coalition.pdf)  
+[9/5/2013 PPM Finance](/sites/default/files/documents/PPM_Finance.pdf)  
+[9/9/2013 BRE Properties](/sites/default/files/2023-04/BRE_Properties.pdf)  
+[9/9/2013 McDougal Companies](/sites/default/files/2023-03/mcdougal_companies.pdf)   
+[9/12/2013 Southern Management](/sites/default/files/2023-04/Southern_Management.pdf)  
+[9/19/2013 CWS Capital Partners](/sites/default/files/2023-04/CWS_Capital_Partners.pdf)  
+[9/19/2013 Paragus Group](/sites/default/files/2023-03/paragus_group.pdf)  
+[9/19/2013 Pollock Shores Real Estate Group](/sites/default/files/2023-03/pollack_shore_real_estate_group.pdf)  
+[9/20/2013 Pinnacle](/sites/default/files/2023-03/pinnacle_letter_9-20-2013.pdf)  
+[9/24/2013 Gables](/sites/default/files/2023-04/Gables_Letter_to_FHFA_9-24-13.pdf)  
+[9/25/2013 Highridge Costa Investments](/sites/default/files/2023-03/high_ridge_costa_investors.pdf)  
+[9/25/2013 Wells Fargo Multifamily Capital (WFMC)](/sites/default/files/2023-03/wells_fargo_multifamily_capital_wfmc.pdf)  
+[9/27/2013 Federal Home Loan Bank of New York](/sites/default/files/2023-04/Federal_Home_Loan_Bank_of_New_York.pdf)  
+[9/30/2013 AGPM](/sites/default/files/2023-04/AGPM.pdf)  
+[9/30/2013 Aukum Management](/sites/default/files/2023-04/Aukum_management.pdf)  
+[10/8/2013 American Bankers Association et al.](/sites/default/files/2023-03/american_bankers_association_aba_et._al.pdf)  
+[10/1/2013 hmi Property Solutions](/sites/default/files/2023-04/hmi_Property_Solutions_Inc_.pdf)  
+[10/1/2013 Waterton Associates](/sites/default/files/2023-03/waterton_assoc_.pdf)  
+[10/1/2013 Westdale Real Estate Investment & Management](/sites/default/files/2023-03/westdale_real_estate_investment_and_management.pdf)  
+[10/2/2013 Legacy Partners](/sites/default/files/documents/Legacy_Partners.pdf)  
+[10/3/2013 The CT Group](/sites/default/files/2023-03/the_ct_group.pdf)  
+[10/4/2013 American Seniors Housing Association (ASHA)](/sites/default/files/2023-03/american_senior_housing_association_asha.pdf)  
+[10/4/2013 Amerisphere](/sites/default/files/2023-03/amerisphere.pdf)  
+[10/4/2013 Brightview Senior Living](/sites/default/files/2023-02/bridge_capital_partnerss.pdf)  
+[10/4/2013 DUS Peer Group](/sites/default/files/2023-04/DUS_Peer_Group.pdf)  
+[10/4/2013 GID Investment Advisors](/sites/default/files/2023-02/gid_investment_adviisors.pdf)  
+[10/4/2013 National Association of Home Builders (NAHB)](/sites/default/files/2023-03/national_association_of_home_builders_nahb.pdf)  
+[10/7/2013 Berkadia](/sites/default/files/2023-03/berkadia.pdf)  
+[10/7/2013 Brookdale Senior Living](/sites/default/files/2023-04/Brookdale_Senior_Living.pdf)  
+[10/7/2013 Capital Senior Living](/sites/default/files/2023-04/Capital_Senior_Living.pdf)  
+[10/7/2013 Centerline Capital Group](/sites/default/files/documents/Centerline_Capital_Group.pdf)  
+[10/7/2013 era living](/sites/default/files/2023-03/era_living.pdf)  
+[10/7/2013 John M. Corcoran and Company](/sites/default/files/2023-03/john_m._cochrane_and_company.pdf)  
+[10/7/2013 Mercy Housing](/sites/default/files/2023-03/mercy_housing.pdf)  
+[10/7/2013 Red Capital Group](/sites/default/files/documents/Red_Capital.pdf)  
+[10/7/2013 Senior Star Living](/sites/default/files/2023-03/senior_star_living.pdf)  
+[10/8/2013 Center for American Progress et al.](/sites/default/files/2023-04/Center_for_American_Progress_etal.pdf)  
+[10/8/2013 Citizen's Housing and Planning Association, Inc. (CHAPA)](/sites/default/files/2023-03/citizenshousingandplanningassociationchapa.pdf)  
+[10/8/2013 Community Investment Corporation (CIC)](/sites/default/files/2023-03/community_investments_corporation.pdf)  
+[10/8/2013 Community Preservation Corporation (CPC)](/sites/default/files/2023-04/Community_Preservation_Corporation_%28CPC%29.pdf)  
+[10/8/2013 Enterprise Community Partners](/sites/default/files/2023-04/Enterprise_Community_Partners.pdf)  
+[10/8/2013 Grandbridge Real Estate Capital](/sites/default/files/2023-03/grandbridge_real_estate_capital.pdf)  
+[10/8/2013 Greystone](/sites/default/files/2023-03/greystone.pdf)  
+[10/8/2013 Legend Senior Living](/sites/default/files/2023-03/legend_senior_living.pdf)  
+[10/8/2013 Milestone Group](/sites/default/files/2023-04/Milestone_Group.pdf)  
+[10/8/2013 Mortgage Bankers Association](/sites/default/files/2023-03/mortgage_bankers_association_mba.pdf)  
+[10/8/2013 National Assocation of Affordable Housing Lenders (NAAHL)](/sites/default/files/2023-03/national_association_of_affordable_housing_lenders_naahl_.pdf)  
+[10/8/2013 National Low Income Housing Coalition (NLIHC)](/sites/default/files/2023-03/national_low_income_housing_coalition_nlihc.pdf)  
+[10/8/2013 National Council of State Housing Agencies (NCSHA)](/sites/default/files/2023-03/national_council_of_state_housing_agencies_ncsha.pdf)  
+[10/8/2013 National Housing Conference (NHC)](/sites/default/files/2023-03/national_housing_conference_nhc.pdf)  
+[10/7/2013 National Multifamily Housing Council/National Apartment Association (NMHC/NAA)](/sites/default/files/2023-03/national_multifamily_housing_council_nmhc_.pdf)  
+[10/8/2013 New York City Housing Development Corporation (HDC)](/sites/default/files/2023-03/new_york_city_housing_development_corporation_nychcd_0.pdf)  
+[10/8/2013 Oak Grove Capital](/sites/default/files/documents/Oak_Grove_Capital.pdf)  
+[10/8/2013 PNC Real Estate](/sites/default/files/2023-03/pnc_real_estate.pdf)  
+[10/8/2013 Prudential Mortgage Capital Company (PMCC)](/sites/default/files/2023-03/prudential_mortgage_capital_company_pmcc.pdf)  
+[10/8/2013 Representative Carolyn B. Maloney](/sites/default/files/2023-04/CommentLetterfromCongresswomanCarolynBMaloney.pdf)  
+[10/8/2013 Senator Charles E. Schumer](/sites/default/files/2023-03/schumermfcomment1082013.pdf)  
+[10/16/2013 Walker and Dunlop](/sites/default/files/2023-03/walker_and_dunlop.pdf)  
+[11/1/2013 Representative Ed Perlmutter et al.](/sites/default/files/2023-04/HouseMembersFHFAMultifamilyLetter1112013.pdf) ​
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Public_Use_Database___FHFA/links/_.md/Federal_Home_Loan_Bank_Membership_Data___FHFA_lbkges.md

@@ -0,0 +1,215 @@
+---
+source_url: "https://www.fhfa.gov/data/fhlb-membership"
+date_accessed: "2026-01-27T17:54:20.600Z"
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+
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+ 
+
+ # Federal Home Loan Bank Membership Data
+
+ ## Breadcrumb
+
+ - [Home](/)
+ - [FHFA Data](/data)
+ - Federal Home Loan Bank Membership Data
+
+ 
+
+ The Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,500 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation.
+
+## Membership Listings
+
+The Federal Home Loan Banks (FHLB) members include thrift institutions, commercial banks, credit unions, and insurance companies. A financial institution joins the FHLBank district that serves the state where the institution's home office or principal place of business is located. A financial institution may become a member by meeting certain statutory requirements.
+
+Description Format FHLBank Membership as of September 30, 2025 [[XLSX]](/document/fhlb_members_q32025.xlsx) ​FHLBank Membership as of June 30, 2025 [[XLSX]](/document/fhlb_members_q22025.xlsx) ​FHLBank Membership as of March 31, 2025 [[XLSX]](/document/fhlb_members_q12025.xlsx) FHLBank Membership as of December 31, 2024 [[XLSX]](/document/fhlb_members_q42024.xlsx) FHLBank Membership as of September 30, 2024 [[XLSX]](/sites/default/files/2024-11/FHLB_Members_Q32024.xlsx) FHLBank Membership as of June 30, 2024 [[XLSX]](/sites/default/files/2024-08/FHLB_Members_Q22024.xlsx) ​​FHLBank Membership as of March 31, 2024 ​​[[XLSX]](/sites/default/files/2024-05/FHLB_Members_Q12024.xlsx)​ FHLBank Membership as of December 31, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q42023_Release.xlsx) FHLBank Membership as of September 30, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q32023_Release.xlsx) ​FHLBank Membership as of June 30, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22023_Release.xlsx) ​FHLBank Membership as of March 31, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12023_Release.xlsx) FHLBank Membership as of December 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42022_Release.xlsx) ​FHLBank Membership as of September 30, 2022 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32022_Release.xlsx) ​​FHLBank Membership as of June 30, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22022_Release.xlsx) ​​FHLBank Membership as of March 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12022_Release.xlsx) FHLBank Membership as of December 31, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42021_Release.xlsx) FHLBank Membership as of September 30, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32021_Release.xlsx) ​FHLBank Membership as of June 30, 2021 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22021_Release.xlsx) FHLBank Membership as of March 31, 2021 [​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12021_Release.xlsx) FHLBank Membership as of December 31, 2020 [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42020_Release.xlsx) FHLBank Membership as of September 30, 2020 ​​​​ [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32020.xlsx) ​FHLBank Membership as of June 30, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22020.xlsx) ​FHLBank Membership as of March 31, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12020.xlsx) ​FHLBank Membership as of December 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q42019_Release.xlsx) FHLBank Membership as of September 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q32019.xlsx) ​FHLBank Membership as of June 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22019_Release.xlsx) FHLBank Membership as of March 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12019.xlsx) ​FHLBank Membership as of December 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_12312018.xlsx) FHLBank Membership as of September 30, 2018 [[XLSX]](/sites/default/files/2023-10/FHLB-Members-09302018.xlsx) FHLBank Membership as of June 30, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22018_Release.xlsx) ​FHLBank Membership as of March 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12018_Release.xlsx) FHLBank Membership as of December 31, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42017_Release.xlsx) ​FHLBank Membership as of September 30, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32017_Release.xlsx) ​FHLBank Membership as of June 30, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22017_Release.xls) ​FHLBank Membership as of March 31, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12017_Release.xls) ​FHLBank Membership as of December 31, 2016 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42016_Release.xlsx) FHLBank Membership as of September 30, 2016 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32016_Release.xls) FHLBank Membership as of June 30, 2016 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22016_Release.xls) ​​FHLBank Membership as of March 31, 2016​​​ [​[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12016_Release.xls) FHLBank Membership as of December 31, 2015 ​​ [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42015_Release.xls) ​FHLBank Membership as of September 30, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32015_Release.xls) ​FHLBank Membership as of June 30, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22015_Release.xls) ​FHLBank Membership as of March 31, 2015 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12015_Release.xls) ​FHLBank Membership as of December 31, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42014_Release.xls) FHLBank Membership as of September 30, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32014_Release.xls) FHLBank Membership as of June 30, 2014 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22014_Release.xls) FHLBank Membership as of March 31, 2014 ​ [[XLS]](/sites/default/files/2023-10/FHLB_Members_033114.xls) FHLBank Membership as of December 31, 2013 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42013_Release.xls) FHLBank Membership as of September 30, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32013_Release.xls) FHLBank Membership as of June 30, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22013_Release.xls) FHLBank Membership as of March 31, 2013 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12013_Release.xls) FHLBank Membership as of December 31, 2012 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42012_Release.xls) FHLBank Membership as of September 30, 2012 ​[[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32012_Release.xls) FHLBank Membership as of June 30, 2012 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22012_Release.xls) FHLBank Membership as of March 31, 2012 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12012_Release.xls) FHLBank Membership as of December 31, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42011_Release.xls) FHLBank Membership as of September 30, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32011_Release.xls) FHLBank Membership as of June 30, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22011_Release.xls) FHLBank Membership as of March 31, 2011 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12011_Release.xls) FHLBank Membership ​as of December 31, 2010 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q42010_Release.xls) FHLBank Membership as of September 30, 2010 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q32010_Release.xls) FHLBank Membership as of June 30, 2010 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22010_Release.xls) FHLBank 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Public_Use_Database___FHFA/links/_.md/Federal_Home_Loan_Bank_Stress_Tests_For_Market_And_zt81xk.md

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+ - Federal Home Loan Bank Stress Tests For Market And Credit Risk
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+ 
+
+ # Federal Home Loan Bank Stress Tests For Market And Credit Risk
+
+ ## In General
+
+FHFA has developed market and credit risk related macroeconomic scenarios that it provides to the Federal Home Loan Banks (Banks). These scenarios are inputs to financial models that the Banks use to assess the exposure of their entire portfolio to market risk, and the exposure of their mortgage-related assets to credit risk. These exposures are measures of the potential loss in market value under stressful economic conditions. FHFA updates both the market and credit risk macroeconomic scenarios quarterly.
+
+## Market Risk Macroeconomic Scenarios
+
+The FHFA market risk scenarios are comprised of instantaneous shocks to current measures of four key interest rates, implied volatility, and option-adjusted spreads. FHFA derives its interest rate shocks from historical interest rate changes observed over successive 6-month intervals, measured from the first day of each month extending back to 1998. FHFA has determined that the breadth of movements in interest rates over this historical period, especially during 2007 - 2011, is sufficient to result in a number of scenarios that constitute stressful economic conditions as applied to each Bank’s portfolio. Bank use of the scenarios for the purpose of measuring market-risk based capital requirements will be considered compliant with FHFA guidance.
+
+A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing the methodology, and the historically-based market risk scenarios are [available here](/data/fhlb-stress-tests/market-risk-scenarios).
+
+## Credit Risk Macroeconomic Scenarios for Stress-Testing Mortgage Related Assets
+
+The FHFA credit risk scenarios for mortgage assets are comprised of 30-year time paths for several interest rates and state-level house price indexes (HPIs). The scenarios are constructed to represent worst-case, yet plausible, paths for house price levels. Since each mortgage loan is collateralized by the property, mortgage holders generally do not suffer a credit loss unless the underlying property has suffered a loss in market value, or price. Consequently, the macroeconomic scenario is made stressful by subjecting the mortgage assets to a downward shock in HPI, accompanied by a drop in interest rates as is likely to occur during an economic recession. Bank use of the scenarios for measuring the credit risk of mortgage assets is compliant with FHFA guidance.
+
+A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing that methodology, and the historically-based macroeconomic market risk scenarios are [available here](/data/fhlb-stress-tests/cmast).
+
+
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+*Page last updated: July 17, 2023​*
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+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+ {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16966","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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_Home_Loan_Bank_System___FHFA_4d9tv9.md

@@ -0,0 +1,276 @@
+---
+source_url: "https://www.fhfa.gov/supervision/federal-home-loan-bank-system"
+date_accessed: "2026-01-27T17:54:20.419Z"
+---
+
+> *[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
+
+ 
+
+ # Federal Home Loan Bank System
+
+ FHFA is responsible for ensuring that the Federal Home Loan Banks operate in a financially safe and sound fashion, remain adequately capitalized and able to raise funds in the capital markets, and operate in a manner consistent with their housing finance mission.
+
+To carry out these statutory duties, FHFA has implemented a program of FHLBank supervision to conduct on-site annual examinations and off-site monitoring of the FHLBanks and the Office of Finance.
+
+## Examination and Supervision
+
+FHFA examines each FHLBank and the Office of Finance annually. We have designated a separate examiner-in-charge for each FHLBank and the Office of Finance who serves as the principal point of contact for the management of examination issues at the assigned FHLBank.
+
+Annual examinations are conducted by an examiner-in-charge and a team of examiners plus financial analysts, economists, and accountants. In addition, our examiners visit the FHLBanks between examinations to follow up on examination findings and discuss emerging issues.
+
+FHFA examiners collaborate with FHFA analysts, modelers, economists, accountants, and attorneys in carrying out the supervision of the FHLBanks.
+
+Our off-site monitoring program includes reviews of monthly and quarterly financial reports and information submitted to FHFA, FHLBank board and committee minutes, data on FHLBank investments, and financial statements and reports filed with the Securities and Exchange Commission.
+
+We also monitor debt issuance activities of the Office of Finance and track financial market trends. We review FHLBank documents, such as the board of directors’ compensation packages for each FHLBank, and analyze responses to a wide array of periodic and ad hoc information and data requests, including an annual survey of FHLBank collateral and collateral management practices, data on collateral securing advances made to individual insurance company members, unsecured credit data, liquidity, and periodic data on the FHLBanks' holdings of private-label MBS.
+
+Section 20 of the Federal Home Loan Bank Act (12 USC 1440) requires each Federal Home Loan Bank (FHLBank) to be examined at least annually.
+
+Learn more about FHFA’s [Housing Finance Commission Program](/programs/housing-finance-examiner-commission).
+
+## A Risk-based Approach
+
+FHFA examiners carry out a risk-based safety and soundness supervision program that assesses the FHLBanks’ condition and performance, governance, credit risk, market risk, and operational risk. These interdependent assessments provide FHFA with the basis for assigning a composite examination rating. The Division of FHLBank Regulation provides oversight and ensures coordination among all mission-critical examination and monitoring functions. These functions include programs for safety and soundness examinations, Affordable Housing Program (AHP) examinations, examination and supervisory policy and program development, FHLBank analysis, risk modeling, risk monitoring and information management, and risk analysis and research. Each of these programs contributes to a comprehensive assessment of the safety and soundness and the AHP effectiveness of the FHLBanks.
+
+FHFA examiners use a risk-based approach to supervision. Risk-based supervision is designed to
+
+- identify existing and potential risks that could adversely affect a regulated entity,
+- evaluate the overall integrity and effectiveness of each regulated entity’s risk management systems and controls, and
+- determine compliance with laws and regulations applicable to the regulated entity.
+## Communicating and Obtaining Results
+
+Examiners communicate all findings to management and any matters requiring attention to the FHLBank’s board of directors and management. In addition, examiners obtain a commitment from the board and management to correct significant deficiencies in a timely manner and then verify the effectiveness of corrective actions. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**
+
+[Historical Information: 2008 and Before](/supervision/federal-home-loan-bank-system/historical-information-pre-2008)
+
+## Additional Resources
+
+**Affordable Housing and Community Investment**
+
+- [Affordable Housing and Community Investment home page](/programs/affordable-housing)
+- [FHLBank Community Lending Plans](/programs/fhlbank-community-lending-plans)
+- [Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities)
+- [Voluntary and pilot programs](/programs/fhlbank-voluntary-and-pilot-programs)
+**Governance**
+
+- [Independent Director Application Form](/document/fhfa-form-129-federal-home-loan-bank-independent-director-application-form.pdf)
+- [Independent Director Annual Certification Form](/document/fhfa-form-130-federal-home-loan-bank-independent-director-annual-certification-form.pdf)
+- [Member Director Eligibility Certification Form](/document/fhfa-form-131-federal-home-loan-bank-member-director-eligibility-certification-form.pdf)
+**Guidance and Rulemaking**
+
+- [Advisory Bulletins](/advisory-bulletin)
+- [Code of Federal Regulations: FHLBanks](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-D)
+- [Rulemaking and Federal Register](/regulation/rulemaking)
+
+**Membership**
+
+- [FHLBank contacts](/supervision/federal-home-loan-bank-system/districts)
+- [Membership listings](/data/fhlb-membership)
+**Office of Finance**
+
+- [Combined Financial Reports](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/fhlbank-financial-data-36)
+- [Debt issuance reporting](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/debt-statistics-61)
+**Stress Tests**
+
+- [Stress tests and risk scenarios](/data/fhlb-stress-tests)
+**Other Reports and Initiatives**
+
+- [Annual Report on Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks)
+- [FHLBank System at 100](/programs/fhlbank-system-at-100-focusing-on-the-future)
+
+ - ## Related Links
+
+ - [Advisory Bulletins](/advisory-bulletin)
+- [Reports](/advisory-bulletin)
+- [About FHLBank System](/supervision/federal-home-loan-bank-system/about)
+- [Additional Resources](#additional-resources)
+
+ Sign up for email updates
+
+     Leave this field blank
+
+ *[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+ ## Footer Highlighted
+
+ - [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+ ---
+
+ - [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+ ## Footer
+
+ - [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+ {"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/791","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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___OIG_ajpq3u.md

@@ -0,0 +1,96 @@
+---
+source_url: "https://www.fhfaoig.gov/"
+date_accessed: "2026-01-27T17:54:20.798Z"
+---
+
+[Skip to main content](#main-content) Hotline: Report Fraud, Waste & Abuse 1-800-793-7724
+
+ Text Size: [- A](javascript:;) [+ A](javascript:;)
+
+Current Size: 100%
+
+ Search
+
+ [![image](/core/misc/feed.svg)](/rss.xml)
+
+ [![image](/themes/custom/fhfa/logo.jpg)](/)
+
+ - About  - [What We Do](/what-we-do)
+ - [Headquarters and Locations](/fhfa-oig-headquarters-and-locations)
+ - [Organization Chart](/about/Organization)
+ - [Frequently Asked Questions](/frequently-asked-questions)
+ - [OIG Offices](/OIGOffices)
+ - [Hotline](/ReportFraud)
+ - [Careers](/Career)
+
+ ## Sidebar Menu
+
+ - Reports  - [All OIG Reports](/all-oig-reports)
+ - [Audits and Evaluations](/Reports/Audits%20and%20Evaluations)
+ - [Compliance Reviews and Inspections](/Reports/Compliance_Reviews)
+ - [Management Alerts and Management Advisories](/Reports/ManagementAlerts)
+ - [Risk Assessments](/Reports/RiskAssessments)
+ - [White Papers](/Reports/WhitePapers)
+ - [Status and Special Reports](/reports/statusreports)
+ - [Administrative Inquiries](/Reports/Administrative_Inquiries)
+ - [Other Action Items](/Reports/AdditionalActionItems)
+ - OIG Publications  - [Management and Performance Challenges](/Reports/ManagementPerformanceChallenges)
+ - [Annual Plan](/Reports/AuditAndEvaluationPlan)
+ - [Strategic Plan](/Reports/StrategicPlan)
+ - [Semiannual Report to Congress](/Reports/Semiannual)
+ - [Compendium of Recommendations](/Reports/Compendium_of_Recommendations)
+ - [Press Releases](/PressRelease)
+ - [Testimony](/Reports/Testimony)
+ - [Current Peer Review Reports](/Reports/PeerReview)
+
+ []() # The Latest
+
+ ## Recent Publications
+
+ [**FHFA Continues to Monitor and Assess the Adequacy of Fannie Mae’s Allowance for Loan Losses in Its Multifamily Line of Business** (EVL-2026-001) - 01/06/2026](/sites/default/files/EVL-2026-001_redacted.pdf)
+
+ [**Compendium of Unimplemented Recommendations (January 2026)** - 01/01/2026](/sites/default/files/CompendiumJanuary2026.pdf)
+
+ [**Thirtieth Semiannual Report to Congress** - 04/01/2025  to 09/30/2025](/sites/default/files/Thirtieth%20Semiannual%20Report%20to%20Congress.pdf)
+
+ [**The Division of Federal Home Loan Bank Regulation Needs to Improve Controls Over Internal Model Risk** (AUD-2025-009) - 09/29/2025](/sites/default/files/AUD-2025-009.pdf)
+
+ ## Press Releases
+
+ [**Grand jury indicts owners of real estate investment group, closing & title company employees in more than $50 million bank fraud conspiracy** - 01/14/2026](/sites/default/files/Grand-jury-indicts-owners-of-real-estate-investment-group%2C-closing-%26-title-company-employees-in-more-than-%2450-million-bank-fraud-conspiracy.pdf)
+
+ [**Former President of Failed Oklahoma Bank Indicted for Bank Fraud** - 12/04/2025](/sites/default/files/Former-President-of-Failed-Oklahoma-Bank-Indicted-for-Bank-Fraud.pdf)
+
+ [**New Jersey Man Sentenced To Federal Prison For Scheme To Fraudulently Obtain Bank Loans Guaranteed By The SBA** - 11/14/2025](/sites/default/files/NEW-JERSEY-MAN-SENTENCED-TO-FEDERAL-PRISON-FOR-SCHEME-TO-FRAUDULENTLY-OBTAIN-BANK-LOANS-GUARANTEED-BY-THE-SBA.pdf)
+
+ [**Florida Woman Sentenced For Role In Mortgage Fraud Conspiracy** - 11/14/2025](/sites/default/files/Florida-Woman-Sentenced-For-Role-In-Mortgage-Fraud-Conspiracy.pdf)
+
+ [![OIG Hotline](/sites/default/files/OIG-hotline.png)](ReportFraud)
+
+ ![image](/sites/default/files/FY%202024%20Convictions%20blank%20copy_0.jpg)
+
+ ## Footer
+
+ - [FHFA.gov](https://www.fhfa.gov)
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