Data sets on single-family and multifamily mortgage purchases in 2011 by Fannie Mae and Freddie Mac (the Enterprises) are now available from the Federal Housing Finance Agency (FHFA) in the Public Use Database (PUDB). Mortgage data in the PUDB supply mortgage lenders, planners, researchers, and housing advocates with information concerning the flow of mortgage credit and capital in America’s communities. Fannie Mae and Freddie Mac are required to meet specified goals for purchases of mortgages that finance housing for very low- and low-income families and families living in low-income areas.
FHFA releases the PUDB annually in compliance with Section 1323 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act), as amended, based on loan-level mortgage data submitted by Fannie Mae and Freddie Mac. The single-family data sets include detailed information such as the income, race, and gender of the borrower as well as the census tract location, loan-to-value (LTV) ratio, age of mortgage note, purchase/refinancing, and affordability. The data also include property and unit-class information on all multifamily mortgages acquired by the Enterprises. Multifamily property-level data include information on the size of the property, unpaid principal balance (UPB), and type of seller/servicer from which the Enterprise purchased the mortgage. The multifamily unit-class file includes information on the number and type and affordability of the units. Pursuant to the requirements of the Housing and Economic Recovery Act of 2008, the PUDB Census Tract files include certain Home Mortgage Disclosure Act (HMDA) data fields reported by the Enterprises, e.g., single-family rate spread, HOEPA status, and property type, and both single-family and multifamily lien status.
The PUDB single-family data set consists of four files: Census Tract, National A, National B, and National C. The Census Tract file includes information on the location of the property based on the 2000 Census, while the National files lack detailed geographic information. The multifamily data set consists of two data files for each year: Census Tract and National. The National file of the multifamily data set excludes location information. This is the final year for which locations are specified in the two Census Tract files using 2000 Census tract geography. Next year the two 2012 Census Tract files will be geocoded using 2010 Census tract geography.
Sections 1324 and 1326 of the Safety and Soundness Act, as amended, contain provisions that require the release of certain data on high-cost single-family loans purchased and securitized by the Enterprises. FHFA defines a high-cost loan as a single-family mortgage with a rate spread that equals or exceeds the applicable HMDA rate spread trigger. FHFA is releasing the high-cost loan data as National File C, pursuant to its Notice of Order published on FHFA’s website and in the Federal Register on September 28, 2011. The data include information such as the purchase price of the single-family property, LTV ratio, terms of the mortgage, and creditworthiness of the borrower.
The single-family and multifamily data sets covering the entire nation are available as ASCII downloads in zip files. The single-family Census Tract files are also available as an Access 2007 database for the convenience of researchers. The zip files contain a “Data Dictionary” describing the elements in each corresponding data set. In addition, the Census Tract zip files include files that provide State, MSA, and county names corresponding to the numeric codes reported by the Enterprises.
Single Family Mortgage-Level Owner-Occupied 1-Unit Properties (National File A)
Single Family National File A Data Dictionary
Single Family National File A Data Set 20.8 MB
Single-family Unit-Level Properties (1-4 Unit)
Includes Renter-Occupied 1-Unit Properties (National File B)
Single Family National File B Data Dictionary
Single Family National File B Data Set 25.4 MB
Single Family Mortgage-Level Properties, high-cost single-family mortgages purchased and securitized by the Enterprises (National File C)
Single Family National File C Data Dictionary
Single Family National File C Data Set 206 KB
Single Family Census Tract File
Single Family Census Tract Data Dictionary
Single Family Census Tract Data Set (Fannie Mae) 101 MB
Single Family Census Tract Data Set (Freddie Mac) 58.4 MB
Single Family Census Tract Data Set (Fannie Mae and Freddie Mac) as an Access 2007 database 246 MB
Multifamily National File All Multifamily Properties by Units and Mortgages
Multifamily National File - Property-Level Data Dictionary
Multifamily National File - Unit Class Level Data Dictionary
Multifamily National File - Property and Unit Level Data Sets 223 KB
Multifamily Census Tract File
Multifamily Census Tract File Data Dictionary
Multifamily Census Tract Data Set 222 KB