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The COVID-19 Pandemic Migration and Enterprise Acquisitions of Manufactured Home Loans
The COVID-19 Pandemic Migration (the Migration) led to a decline in state-level acquisition shares of manufactured housing mortgages on the West Coast and increasing shares in the Sun Belt states. This blog demonstrates how financing from the Enterprises enabled a practical solution for lower-income...
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Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California
FHFA analysis shows higher relative growth in the median appraised value for Enterprise-backed single-family properties with accessory dwelling units than for those without accessory dwelling units in the state of California between 2013 and 2023. UAD Aggregate Statistics The Federal Housing Finance...
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Who Lives in Rural America?
Introduction In this blog post, we share insights into the demographics and housing characteristics of rural America. Through our analysis of the Census Bureau’s American Community Survey (ACS), we find that, on average, rural areas are older, have lower labor force participation rates, and have...
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An Overview of FHFA’s Key Initiatives to Address Climate-Related Financial Risks
The Federal Housing Finance Agency (FHFA) recognizes that the growing frequency and severity of natural disasters, as well as rapidly increasing insurance costs, presents a serious threat to homeowners, renters, and the U.S. housing finance system. As a result, FHFA has been engaging in a variety of...
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Estimating the Impact of Hurricanes Helene and Milton on Single-Family Mortgages
In the aftermath of the destruction spanning North Carolina to Florida following Hurricanes Helene and Milton in late September and early October, many residents of this region face a long road to recovery. The Federal Housing Finance Agency (FHFA) today published a dashboard with data on single...
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Enterprise Multifamily Focus in 2022 and 2023
Summary Statistics From FHFA’s Multifamily Public Use Databases In 2022 and 2023, Fannie Mae and Freddie Mac (the Enterprises) financed more multifamily properties in the Northeast, Florida, Texas, and California than elsewhere in the contiguous United States. The Enterprises’ financing of...
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FHFA’s Fall 2024 Econ Summit on Climate Risk
The Federal Housing Finance Agency (FHFA) hosted over 300 stakeholders from government, industry, and academia at its third annual Econ Summit on Climate Risk on November 12, 2024. In her opening remarks, Director Sandra L. Thompson emphasized that climate change poses a serious threat to the safety...
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Energy Transition Risk in the Housing Market
This blog post examines energy transition risk in the housing market and its potential impacts on the housing market’s energy sustainability efforts. Energy transition risk can be defined as risk related to the process of adjustment towards a low-carbon economy. [1] As society moves away from carbon...
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The Dynamics of FHFA Conforming Loan Limits and House Prices
Large increases in the FHFA Conforming Loan Limit values in recent years have raised concerns that those changes may be permitting Enterprise loan acquisitions to drift into higher-priced segments of the housing market. We find that Enterprise-acquired loans close to the limit have not shifted...
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The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter
The volume of purchase and refinance FHA appraisals increased between the second quarters of 2023 and 2024 and between the first and second quarters of 2024. The median appraised value for FHA purchase appraisals also increased over the past year and quarter. The Federal Housing Finance Agency (FHFA...