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FHFA Updates Collection of Mortgage-Acquisition Data

The Federal Housing Finance Agency (FHFA) has revised the datasets for the Public Use Databases​ (PUDBs) of single-family and multifamily mortgage acquisitions by Fannie Mae and Freddie Mac.

The revisions include newly available 2019 data and final versions of data for 2018. This includes 25 new data elements for the 2018 and 2019 Single-Family Census Tract files, which provide statistics on the loan-to-value ratio of properties and the debt-to-income ratio of borrowers.

Also being added are 21 new data elements in the Multifamily Census Tract files, including the number of units in the property. The additions to the Single-Family and Multifamily Census Tract files feature geographic indicators to enhance the government-sponsored enterprises’ Duty to Serve Program.

These additions will replace the interim files uploaded in September 2019.

According to the FHFA, the revised PUDBs also feature “additional loan-level data that increases their alignment with information reported under the Home Mortgage Disclosure Act.” This additional data is designed to bring greater transparency to understanding Fannie Mae and Freddie Mac’s impact on local economies will offering more information to the public about their roles within the secondary mortgage market.

“FHFA is pleased to release the new and revised Enterprise PUDB files,” said Lynn Fisher, Deputy Director of the Division of Research and Statistics. “The PUDB provides stakeholders in the housing and mortgage sectors with critical data concerning the Enterprises’ acquisition of mortgages nationwide and at the local level.”

The datasets are available at fhfa.gov/DataTools/Downloads/Pages/Public-Use-Databases.aspx​. The FHFA also maintains the datasets for prior years.​

About Author: Phil Hall

Phil Hall is a former United Nations-based reporter for Fairchild Broadcast News, the author of nine books, the host of the award-winning SoundCloud podcast "The Online Movie Show," co-host of the award-winning WAPJ-FM talk show "Nutmeg Chatter" and a writer with credits in The New York Times, New York Daily News, Hartford Courant, Wired, The Hill's Congress Blog and Profit Confidential. His real estate finance writing has been published in the ABA Banking Journal, Secondary Marketing Executive, Servicing Management, MortgageOrb, Progress in Lending, National Mortgage Professional, Mortgage Professional America, Canadian Mortgage Professional, Mortgage Professional News, Mortgage Broker News and HousingWire.

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