Fannie Mae and Freddie Mac Loan-Level Dataset

Borrower Demographics, Loan-to-Value Ratios, and Census Tract Location

By Natarajan Krishnaswami [source]

About this dataset

The FHFA Public Use Databases provide an unprecedented look into the flow of mortgage credit and capital in America's communities. With detailed information about the income, race, gender and census tract location of borrowers, this database can help lenders, planners, researchers and housing advocates better understand how mortgages are acquired by Fannie Mae and Freddie Mac.

This data set includes 2009-2016 single-family property loan information from the Enterprises in combination with corresponding census tract information from the 2010 decennial census. It allows for greater granularity in examining mortgage acquisition patterns within each MSA or county by combining borrower/property characteristics, such as borrower's race/ethnicity; co-borrower demographics; occupancy type; Federal guarantee program (conventional/other versus FHA-insured); age of borrowers; loan purpose (purchase, refinance or home improvement); lien status; rate spread between annual percentage rate (APR) and average prime offer rate (APOR); HOEPA status; area median family income and more.

In addition to demographic data on borrowers and properties, this dataset also provides insight into affordability metrics such as median family incomes at both the MSA/county level as well as functional owner occupied bankrupt tracts using 2010 Census based geography while taking into account American Community Survey estimates available at January 1st 2016. This allows us to calculate metrics that are important for assessing inequality such as tract income ratios which measure what portion of an area’s median family income is made up by a single borrows earnings or the ratio between borrows annual income compared to an area’s average median family iincome for those year’s reporting period. Finally each record contains Enterprise Flags associated with whether loans were purchased my Fannie Mae or Freddie Mac indicating further insights regarding who is financing policies affecting undocumented immigrant labor access as well affordable housing legislation targeted towards first time home buyers

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

This guide will provide you with all the information needed to use the Fannie Mae and Freddie Mac Loan-Level Dataset for 2016. The dataset contains loan-level data for both Fannie Mae and Freddie Mac, including loans acquired in 2016. It includes details such as homeowner demographics, loan-to-value ratio, census tract location, and affordability of mortgage.

The first step to using this dataset is understanding how it is organized. There are 38 fields that make up the loan level data set, making it easy to understand what is being looked at. For each field there is a description of what the field represents and potential values it can take on (i.e., if it’s an integer or float). Having an understanding of the different fields will help when querying certain data points or comparing/contrasting.

Once you understand what type of information is available in this dataset you can start to create queries or visualizations that compare trends across Fannie Mae & Freddie Mac loans made in 2016. Depending on your interest areas such as homeownership rates or income disparities certain statistics may be pulled from the dataset such as borrower’s Annual Income Ratio per area median family income by state code or a comparison between Race & Ethnicity breakdown between borrowers and co-borrowers from various states respective MSAs, among other possibilities based on your inquiries . Visualizations should then be created so that clear comparisons and contrasts could be seen more easily by other users who may look into this same dataset for additional insights as well .

After creating queries/visualization , you can dive deeper into research about corresponding trends & any biases seen within these datasets related within particular racial groupings compared against US Postal & MSA codes used within the 2010 Census Tract locations throughout the US respectively by further utilizing publicly available research material that looks at these subjects with regards housing policies implemented through out years one could further draw conclusions depending on their current inquiries

Research Ideas

• Use the dataset to analyze borrowing patterns based on race, nationality and gender, to better understand the links between minority groups and access to credit...

The Federal Housing Administration, generally known as FHA, provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934. The insurance is force represents the outstanding balance of an active loan.

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" as: (a) census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI), (b) families with income not greater than 100 percent of AMI who reside in minority census tracts, and (c) 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. Census tract level data identifying these areas are available below for 2010 and 2011 based on 2000 Census tract geography, for 2012 through 2021 based on 2010 Census tract geography, and for 2022 and subsequent years based on 2020 Census tract geography.

Listing of SONYMA target areas by US Census Bureau Census Tract or Block Numbering Area (BNA). The State of New York Mortgage Agency (SONYMA) targets specific areas designated as ‘areas of chronic economic distress’ for its homeownership lending programs. Each state designates ‘areas of chronic economic distress’ with the approval of the US Secretary of Housing and Urban Development (HUD). SONYMA identifies its target areas using US Census Bureau census tracts and block numbering areas. Both census tracts and block numbering areas subdivide individual counties. SONYMA also relates each of its single-family mortgages to a specific census tract or block numbering area. New York State identifies ‘areas of chronic economic distress’ using census tract numbers. 26 US Code § 143 (current through Pub. L. 114-38) defines the criteria that the Secretary of Housing and Urban Development uses in approving designations of ‘areas of chronic economic distress’ as: i) the condition of the housing stock, including the age of the housing and the number of abandoned and substandard residential units, (ii) the need of area residents for owner-financing under this section, as indicated by low per capita income, a high percentage of families in poverty, a high number of welfare recipients, and high unemployment rates, (iii) the potential for use of owner-financing under this section to improve housing conditions in the area, and (iv) the existence of a housing assistance plan which provides a displacement program and a public improvements and services program. The US Census Bureau’s decennial census last took place in 2010 and will take place again in 2020. While the state designates ‘areas of chronic economic distress,’ the US Department of Housing and Urban Development must approve the designation. The designation takes place after the decennial census.

Because the 2020 Census relationship files released by the Census Bureau did not include population or housing unit percentage allocations, alternative methodologies to allocate population and housing units between 2010 and 2020 Census tracts were tested. The methodology selected by DRU was to use building footprints and residential parcels at the 2020 Census block level to allocate population and housing units.

Analysis of ‘State of New York Mortgage Agency (SONYMA) Target Areas by Census Tract’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://catalog.data.gov/dataset/54c83793-f5bc-4411-93f6-15a5761c6cdb on 27 January 2022.

--- Dataset description provided by original source is as follows ---

Listing of SONYMA target areas by US Census Bureau Census Tract or Block Numbering Area (BNA). The State of New York Mortgage Agency (SONYMA) targets specific areas designated as ‘areas of chronic economic distress’ for its homeownership lending programs. Each state designates ‘areas of chronic economic distress’ with the approval of the US Secretary of Housing and Urban Development (HUD). SONYMA identifies its target areas using US Census Bureau census tracts and block numbering areas. Both census tracts and block numbering areas subdivide individual counties. SONYMA also relates each of its single-family mortgages to a specific census tract or block numbering area. New York State identifies ‘areas of chronic economic distress’ using census tract numbers. 26 US Code § 143 (current through Pub. L. 114-38) defines the criteria that the Secretary of Housing and Urban Development uses in approving designations of ‘areas of chronic economic distress’ as: i) the condition of the housing stock, including the age of the housing and the number of abandoned and substandard residential units, (ii) the need of area residents for owner-financing under this section, as indicated by low per capita income, a high percentage of families in poverty, a high number of welfare recipients, and high unemployment rates, (iii) the potential for use of owner-financing under this section to improve housing conditions in the area, and (iv) the existence of a housing assistance plan which provides a displacement program and a public improvements and services program. The US Census Bureau’s decennial census last took place in 2010 and will take place again in 2020. While the state designates ‘areas of chronic economic distress,’ the US Department of Housing and Urban Development must approve the designation. The designation takes place after the decennial census.

--- Original source retains full ownership of the source dataset ---

U.S. Census Tracts with over 1000 fields of Federal Financial Institutions Examination Council data for use with GIS mapping software, databases, and web applications.

Boundaries of Census Tracts (2020) in the City of Tempe.Please note that Tract boundaries have been clipped to the City of Tempe boundary and may not represent the full size or shape of the Tract.

From landing page:FHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac. The Enterprise 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 is provided below. Single-Family Enterprise Mortgage Acquisitions: Race and Ethnicity Data The new housing goals data tables provide insight on the racial and ethnic composition of loans acquired by the Enterprises that are eligible for housing goals credit. FHFA has provided the racial and ethnic distribution of the Enterprises' acquisitions across each of the current single-family housing goals categories. ​ 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.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 2024 can be ​found here. A map of census tracts identified as low-income census tracts in 2024 can be found here. ​Learn more about low-income census tracts, minority census tracts, and designated disaster areas.

The Pre-1990 HMDA Aggregation Data were prepared annually during this period by the FFIEC on behalf of institutions reporting HMDA data. The Aggregation Data consists of home purchase and home improvement loans that a depository institution originated or purchased during each calendar year. The collected HMDA data were individually aggregated up to the tract level by the reporting depository institution and submitted accordingly to the FFIEC. Individual records are the summary of loan activity for the specified respondent for the indicated census tract except when the census tract numbers were either 888888 or 999999. The 888888 tract records are the sum of all loan activity by the reporter outside of the MSA being reported, but not appearing in any other MSA report. The 999999 tract records are the consolidated county summary data for loans made in untracted counties or counties with 1980 total population less than 30,000. The 1988 and 1989 Aggregation Data files include aggregated data from nondepository institutions, specifically mortgage banking subsidiaries of bank holding companies.

Provides the annual total number of Maryland Notices of Intent to Foreclose (NOI) by census tract as reported to the Office of Financial Regulation (OFR). For more information and definitions, please see OFR's Foreclosure Data Tracker: https://www.labor.maryland.gov/finance/consumers/frforeclosuredatatracker.shtml. NOTE: The data provided is for informational and research purposes only and is not intended to guide policy or provide specific outreach targets. The data provided is compiled from third-party filings with the OFR pursuant to applicable law. These third-party filings may contain duplicates and other errors and the OFR cannot guarantee the accuracy and quality of the submissions upon which the data is based. The data does not constitute foreclosure case records and may differ from the official foreclosure records contained in the court records of the State of Maryland. In addition, errors in reported street addresses mean that some NOIs are not able to be matched with a census tract. This may result in a different total number of annual NOIs than the total number in other related reports. OFR makes no express or implied warranties or representations concerning the data contained in this report. Blank values indicate census tracts with fewer than 10 NOIs.

Public Use Database - Fannie Mae and Freddie Mac

Source: https://www.fhfa.gov/DataTools/Downloads/Pages/Public-Use-Databases.aspx

The Housing and Economic Recovery Act (HERA) of 2008 requires certain information be made publicly available. Sections 1126 and 1212 address the availability of a “public use database”.

Data on mortgages acquired by Fannie Mae and Freddie Mac, which are regulated by FHFA, supplies mortgage lenders, planners, researchers, and housing advocates with information concerning the flow of mortgage credit and capital in America’s communities.

The Department of Housing and Urban Development (HUD) previously released this data annually through the Public Use Database (PUDB) 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 data submitted to HUD by Fannie Mae and Freddie Mac. HUD’s mission regulatory authority with regard to Fannie Mae and Freddie Mac, with the exception of matters pertaining to fair housing/lending, was transferred from HUD to FHFA by the Housing and Economic Recovery Act of 2008 (HERA), which was enacted in July 2008.

The PUDB single-family data set includes detailed information such as the income, race, and gender of the borrower as well as the census tract location of the property, loan-to-value ratio, age of mortgage note, and affordability of the mortgage. The PUDB multifamily property-level data set includes information on the size of the property, unpaid principal balance, and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class file also includes information on the number and affordability of the units in the property. Both the single-family and multifamily data include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. Prior to 2010 the PUDB single-family data set consisted of three files: Census Tract, National A, and National B files. With the 2010 PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The Census Tract file includes information on the location of the property based on the 2000 Census, while the National files contain other information but lack detailed geographic information. The multifamily data set consists of two data files for each year: Census Tract and National files. The National file of the multifamily data set excludes location information. Beginning with the 2012 PUDB the location of single-family and multifamily properties is based on the 2010 Census.

The PUDB must include the same data for the Enterprises that is required under the Home Mortgage Disclosure Act (HMDA), subject to modifications to protect borrower privacy, as required by 12 U.S.C. 4543(a)(2) and 4546(d). The 2018 PUDB is being released as an interim release pending receipt of additional data fields that reflect new 2018 reporting requirements under HMDA. A final release that includes these additional HMDA data fields is expected later this fall and will replace the 2018 PUDB available below in its entirety.

Datasets

-Single-Family Mortgage-Level Owner-Occupied 1-Unit Properties (National File A) 2018 Data (zip) / Dictionary (pdf) / Previous Years

-Single-Family Unit-Level Properties (1-4), includes Renter-Occupied 1-Unit Properties (National File B) 2018 Data (zip) / Dictionary (pdf) / Previous Years

-Single-Family MSingle-Family Mortgage-Level Properties, high-cost single-family mortgages purchased and securitized by the Enterprises (National File C) 2018 Data (zip) / Dictionary (pdf) / Previous Years

-Single-Family Census Tract File 2018 Freddie Mac Data (zip) / 2018 Fannie Mae Data (zip) / 2018 GSE Data (zip) / Dictionary (pdf) / Previous Years

-MMultifamily National File, All Multifamily properties by Unit and Mortgages 2018 Data (zip) /Property Level Dictionary (pdf) / Unit Class Level Dictionary (pdf) / Previous Years

-Multifamily Census Tract File 2018 Data (zip) / Dictionary (pdf) / Previous Years

The Community Development Financial Institutions (CDFI) Fund, a division of the US Department of the Treasury, administers the New Markets Tax Credit (NMTC). The NMTC Program incentivizes community development and economic growth through the use of tax credits that attract private investment to distressed communities. This layer depicts area that are NMTC Qualified.New Market Tax Credit Program Note that the latest eligibility criteria use Census American Community Survey (ACS) 2016-2020 estimates.

This layer was developed by the Research & Analytics Group of the Atlanta Regional Commission, using Home Mortgage Disclosure Act (HMDA) data to show mortgage loan applications, originations, denials, and amounts, for 2015, by census tract in the Atlanta Region.

Attributes:

GEOID10 = 2010 Census tract identifier (combination of FIPS codes for state, county, and tract)

County = County identifier (combination of Federal Information Processing Series (FIPS) codes for state and county)

Area_Name = 2010 Census tract number and county name

Total_Population_ACS_2016 = # Total population estimate, 2016 (American Community Survey)

Total_Population_ACS_MOE_2016 = # Total population estimate (Margin of Error), 2016 (American Community Survey)

Planning_Region = Planning region designation for ARC purposes

AcresLand = Land area within the tract (in acres)

AcresWater = Water area within the tract (in acres)

AcresTotal = Total area within the tract (in acres)

SqMi_Land = Land area within the tract (in square miles)

SqMi_Water = Water area within the tract (in square miles)

SqMi_Total = Total area within the tract (in square miles)

TRACTCE10 = Census tract Federal Information Processing Series (FIPS) code. Census tracts are identified by an up to four-digit integer number and may have an optional two-digit suffix; for example 1457.02 or 23. The census tract codes consist of six digits with an implied decimal between the fourth and fifth digit corresponding to the basic census tract number but with leading zeroes and trailing zeroes for census tracts without a suffix. The tract number examples above would have codes of 145702 and 002300, respectively.

CountyName = County Name

ALL_LOAN_APPS_2015 = All Loan Applications, 2015

ALL_LOAN_ORIG_2015 = All Loan Originations, 2015

ALL_LOAN_DENIALS_2015 = All Loan Denials, 2015

HOME_PURCH_LOAN_APPS_2015 = Home Purchase Loan Applications, 2015

HOME_PURCH_LOAN_ORIG_2015 = Home Purchase Loan Originations, 2015

HOME_PURCH_LOAN_DENIALS_2015 = Home Purchase Loan Denials, 2015

HOME_REFI_LOAN_APPS_2015 = Home Refinancing Loan Applications, 2015

HOME_REFI_LOAN_ORIG_2015 = Home Refinancing Loan Originations, 2015

HOME_REFI_LOAN_DENIALS_2015 = Home Refinancing Loan Denials, 2015

MED_AMT_LOAN_APLD_1K = Median Amount of Loan Applied for, $1k

MED_AMT_LOAN_ORIG_1K = Median Amount of Loan Originated, $1k

MED_AMT_LOAN_DEND_1K = Median Amount of Loan Denied, $1k

MED_AMT_HOME_PURCH_LOAN_APLD_1K = Median Amount of Home Purchase Loan Applied for, $1k

MED_AMT_HOME_PURCH_LOAN_ORIG_1K = Median Amount of Home Purchase Loan Originated, $1k

MED_AMT_HOME_PURCH_LOAN_DEND_1K = Median Amount of Home Purchase Loan Denied, $1k

MED_AMT_HOME_REFI_LOAN_APLD_1K = Median Amount of Home Refinancing Loan Applied for, $1k

MED_AMT_HOME_REFI_LOAN_ORIG_1K = Median Amount of Home Refinancing Loan Originated, $1k

MED_AMT_HOME_REFI_LOAN_DEND_1K = Median Amount of Home Refinancing Loan Denied, $1k

MED_INCOME_FOR_LOAN_APLD_1K = Median Applicant Income for Loan Applied for, $1k

MED_INCOME_FOR_LOAN_ORIG_1K = Median Applicant Income for Loan Originated, $1k

MED_INCOME_FOR_LOAN_DEND_1K = Median Applicant Income for Loan Denied, $1k

MED_INCOME_PURCH_LOAN_APLD_1K = Median Applicant Income for Home Purchase Loan Applied for, $1k

MED_INCOME_PURCH_LOAN_ORIG_1K = Median Applicant Income for Home Purchase Loan Originated, $1k

MED_INCOME_PURCH_LOAN_DEND_1K = Median Applicant Income for Home Purchase Loan Denied, $1k

MED_INCOME_REFI_LOAN_APLD_1K = Median Applicant Income for Home Refinancing Loan Applied for, $1k

MED_INCOME_REFI_LOAN_ORIG_1K = Median Applicant Income for Home Refinancing Loan Originated, $1k

MED_INCOME_REFI_LOAN_DEND_1K = Median Applicant Income for Home Refinancing Loan Denied, $1k

LOANS_ORIG_PER_SQ_MI_2015 = Loans Originated per Square Mile, 2015

HOME_PURCH_LOANS_ORIG_SQMI_2015 = Loans Originated for Home Purchase per Square Mile, 2015

HOME_REFI_LOANS_ORIG_SQMI_2015 = Loans Originated for Home Refinancing per Square Mile, 2015

PCT_LOAN_APPS_ORIG_2015 = % of Loan Applications Originated, 2015

PCT_HOME_PURCH_LN_APPS_ORG_2015 = % of Home Purchase Loan Applications Originated, 2015

PCT_HOME_REFI_LN_APPS_ORG_2015 = % of Home Refinancing Loan Applications Originated, 2015

Chg_Loans_Orig_2012_15 = Change in Loan Originations, 2012-2015

Chg_Purch_Loans_Orig_2012_15 = Change in Loan Originations for Home Purchase, 2012-2015

Chg_Refi_Loans_Orig_2012_15 = Change in Loan Originations for Home Refinancing, 2012-2015

Chg_Loans_Orig_SqMi_2012_15 = Change in Loans Originated per Square Mile, 2012-2015

Chg_PurLoans_Orig_SqMi_2012_15 = Change in Loans Originated for Home Purchase per Square Mile, 2012-2015

Chg_RefLoans_Orig_SqMi_2012_15 = Change in Loans Originated for Home Refinancing per Square Mile, 2012-2015

ChgPct_Loan_Apps_Orig_2012_15 = Change in % of Loan Applications Originated, 2012-2015

ChgPct_PurLoan_AppsOrig_2012_15 = Change in % of Home Purchase Loan Applications Originated, 2012-2015

ChgPct_RefLoan_AppsOrig_2012_15 = Change in % of Home Refinancing Loan Applications Originated, 2012-2015

Chg_Loans_Orig_2014_15 = Change in Loan Originations, 2014-2015

Chg_Purch_Loans_Orig_2014_15 = Change in Loan Originations for Home Purchase, 2014-2015

Chg_Refi_Loans_Orig_2014_15 = Change in Loan Originations for Home Refinancing, 2014-2015

Chg_Loans_Orig_SqMi_2014_15 = Change in Loans Originated per Square Mile, 2014-2015

Chg_PurLoans_Orig_SqMi_2014_15 = Change in Loans Originated for Home Purchase per Square Mile, 2014-2015

Chg_RefLoans_Orig_SqMi_2014_15 = Change in Loans Originated for Home Refinancing per Square Mile, 2014-2015

ChgPct_Loan_Apps_Orig_2014_15 = Change in % of Loan Applications Originated, 2014-2015

ChgPct_PurLoan_AppsOrig_2014_15 = Change in % of Home Purchase Loan Applications Originated, 2014-2015

ChgPct_RefLoan_AppsOrig_2014_15 = Change in % of Home Refinancing Loan Applications Originated, 2014-2015

last_edited_date = Last date the feature was edited by ARC

Source: Home Mortgage Disclosure Act (HMDA), Atlanta Regional Commission

Date: 2015

For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com.

The Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods. Beginning with data for mortgages acquired in 2018, FHFA has ordered that the PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1).The PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage. New for 2018 are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level. The PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. New for 2018 is the inclusion of property size data at the census tract level. The multifamily unit-class files also include information on the number and affordability of the units in the property. Both the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population.Prior to 2010 the single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information.Several dashboards are available to analyze the data:Enterprise Multifamily Public Use Database DashboardThe Enterprise Multifamily Public Use Database (PUDB) Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of multifamily mortgage acquisitions by Fannie Mae and Freddie Mac. It shows characteristics about multifamily loans, properties and units at the national level, and characteristics about multifamily loans and properties at the state level. It includes key statistics, time series charts, and state maps of multifamily housing characteristics such as median loan amount, number of properties, average number of units per property, and unit affordability. The underlying aggregate statistics presented in the dashboard come from three multifamily data files in the Enterprise PUDB, updated annually since 2008, including two property-level datasets and a data file on the size and affordability of individual units.Enterprise Multifamily Public Use DashboardPress Release - FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage AcquisitionsMortgage Loan and Natural Disaster DashboardFHFA published an interactive Mortgage Loan and Natural Disaster Dashboard that combines FHFA’s PUDB reports on single-family and multifamily acquisitions for the regulated entities, FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas. Desired geographies can be exported to .pdf and Excel from the Public Use Database and National Risk Index Dashboard.Mortgage Loan and Natural Disaster DashboardMortgage Loan and Natural Disaster Dashboard FAQs

description: Census Tract Data - Census 2000 This data layer represents Census 2000 demographic data derived from the PL94-171 redistricting files and SF3. Census geographic entities include blocks, blockgroups and tracts. Tiger line files are the source of the geometry representing the Census blocks. Attributes include total population counts, racial/ethnic, and poverty/income information. Racial/ethnic classifications are represented in units of blocks, blockgroups and tracts. Poverty and income data are represented in units of blockgroups and tracts. Percentages of each racial/ethnic group have been calculated from the population counts. Total Minority counts and percentages were compiled from each racial/ethnic non-white category. Categories compiled to create the Total Minority count includes the following: African American, Asian, American Indian, Pacific Islander, White Hispanic, Other and all mixed race categories. The percentage poverty attribute represents the percent of the population living at or below poverty level. The per capita income attribute represents the sum of all income within the geographic entity, divided by the total population of that entity. Special fields designed to be used for EJ analysis have been derived from the PL data and include the following: Percentage difference of block, blockgroup and total minority from the state and county averages, percentile rank for each percent total minority within state and county entities. Food Desert Locator Documenation The Healthy Food Financing Initiative (HFFI) Working Group defines a food desert as a low-income census tract where a substantial number or share of residents has low access to a supermarket or large grocery store. To qualify as low-income, census tracts must meet the Treasury Department's New Markets Tax Credit (NMTC) program eligibility criteria. Furthermore, to qualify as a food desert tract at least 33% of the tract's population (or a minimum of 500 people) must have low access to a supermarket or large grocery store. Low access to a healty food retail outlet is defined as more than 1 mile from a supermarket or large grocery store in urban ares and as more than 10 miles in rural areas. The Food Desert Locator includes characteristics only for census tracts that qualify as food deserts. All store data come from the 2006 directory of stores, and all population and household data come from the 2000 Census of Population and Housing. For the 140 urban census tracts for which grid-level data are not available, all people in the tract are assumed to have low-access to a supermarket or large grocery store.; abstract: Census Tract Data - Census 2000 This data layer represents Census 2000 demographic data derived from the PL94-171 redistricting files and SF3. Census geographic entities include blocks, blockgroups and tracts. Tiger line files are the source of the geometry representing the Census blocks. Attributes include total population counts, racial/ethnic, and poverty/income information. Racial/ethnic classifications are represented in units of blocks, blockgroups and tracts. Poverty and income data are represented in units of blockgroups and tracts. Percentages of each racial/ethnic group have been calculated from the population counts. Total Minority counts and percentages were compiled from each racial/ethnic non-white category. Categories compiled to create the Total Minority count includes the following: African American, Asian, American Indian, Pacific Islander, White Hispanic, Other and all mixed race categories. The percentage poverty attribute represents the percent of the population living at or below poverty level. The per capita income attribute represents the sum of all income within the geographic entity, divided by the total population of that entity. Special fields designed to be used for EJ analysis have been derived from the PL data and include the following: Percentage difference of block, blockgroup and total minority from the state and county averages, percentile rank for each percent total minority within state and county entities. Food Desert Locator Documenation The Healthy Food Financing Initiative (HFFI) Working Group defines a food desert as a low-income census tract where a substantial number or share of residents has low access to a supermarket or large grocery store. To qualify as low-income, census tracts must meet the Treasury Department's New Markets Tax Credit (NMTC) program eligibility criteria. Furthermore, to qualify as a food desert tract at least 33% of the tract's population (or a minimum of 500 people) must have low access to a supermarket or large grocery store. Low access to a healty food retail outlet is defined as more than 1 mile from a supermarket or large grocery store in urban ares and as more than 10 miles in rural areas. The Food Desert Locator includes characteristics only for census tracts that qualify as food deserts. All store data come from the 2006 directory of stores, and all population and household data come from the 2000 Census of Population and Housing. For the 140 urban census tracts for which grid-level data are not available, all people in the tract are assumed to have low-access to a supermarket or large grocery store.

Census Tracts were intersected with HOLC Polygons. Census information can be joined via the "nhgis_join". The field "perc_tract" gives you the proportion of a given Census Tract in the HOLC Polygon.

This layer was developed by the Research & Analytics Group of the Atlanta Regional Commission, using data from Community Reinvestment Act (CRA) to show total amount and number of small business loans, by loan size, for 2014, by census tract in the Atlanta region.

Attributes:

GEOID10 = 2010 Census tract identifier (combination of FIPS codes for state, county, and tract)

County = County identifier (combination of Federal Information Processing Series (FIPS) codes for state and county)

Area_Name = 2010 Census tract number and county name

Total_Population_ACS_2016 = # Total population estimate, 2016 (American Community Survey)

Total_Population_ACS_MOE_2016 = # Total population estimate (Margin of Error), 2016 (American Community Survey)

Planning_Region = Planning region designation for ARC purposes

AcresLand = Land area within the tract (in acres)

AcresWater = Water area within the tract (in acres)

AcresTotal = Total area within the tract (in acres)

SqMi_Land = Land area within the tract (in square miles)

SqMi_Water = Water area within the tract (in square miles)

SqMi_Total = Total area within the tract (in square miles)

TRACTCE10 = Census tract Federal Information Processing Series (FIPS) code. Census tracts are identified by an up to four-digit integer number and may have an optional two-digit suffix; for example 1457.02 or 23. The census tract codes consist of six digits with an implied decimal between the fourth and fifth digit corresponding to the basic census tract number but with leading zeroes and trailing zeroes for census tracts without a suffix. The tract number examples above would have codes of 145702 and 002300, respectively.

CountyName = County Name

Sq_Miles = Square Miles

Num_SBloans_lessEq_100k_2014 = Number of Small Business (SB) Loans Originated <=$100k, 2014

Num_SBloans_100k_250k_2014 = # SB Loans Originated $100-250k, 2014

Num_SBloans_250k_1M_2014 = # SB Loans Originated $250k-$1M, 2014

Num_SBloans_Rev_lessEq_1M_2014 = # SB Loans Originated With Gross Annual Revenue <=$1M, 2014

TotNum_SBloans_Orig_2014 = Total

SB Loans Originated, 2014

Tot_SBloans_Orig_perSqMi_2014 = Total SB Loans Originated, per sq mile, 2014

PctNum_SBloans_lessEq_100k_2014 = % of

SB Loans Originated <=$100k, 2014

PctNum_SBloans_100k_250k_2014 = % of # SB Loans Originated $100k-$250k, 2014

PctNum_SBloans_250k_1M_2014 = % of

SB Loans Originated $250k-$1M, 2014

Pct_SBloans_Rev_lessEq_1M_2014 = % of

SB Loans Originated With Gross Annual Revenue <=$1M, 2014

TotAmt_Sbloans_lessEq100k_2014 = Total Amt SB Loans Originated <=$100k, 2014 (in $000s)

TotAmt_Sbloans_100k_250k_2014 = Total Amt SB Loans Originated $100-250k, 2014 (in $000s)

TotAmt_Sbloans_250k_1M_2014 = Total Amt SB Loans Originated $250k-$1M, 2014 (in $000s)

TotAmt_SBlnsRevless1M_2014 = Total Amount SB Loans Originated With Gross Annual Revenue <=$1M, 2014 ($000s)

TotAmt_SBloans_2014 = Total Amt SB Loans Originated, 2014 ($000s)

TotAmt_SBloansOrig_perSqMi_2014 = Amount of SB Loans Originated, per sq mile, 2014

PctTotAmt_SBlns_less_100k_2014 = % of Total Amount SB Loans Originated <=$100k, 2014

PctTotAmt_SBloans_100k250k_2014 = % of Total Amount SB Loans Originated $100k-$250k, 2014

PctTotAmt_SBloans_250k_1M_2014 = % of Total Amount SB Loans Originated $250k-$1M, 2014

PctAmt_SBlns_Rev_lessEq_1M_2014 = % of AMT SB Loans Originated With Gross Annual Revenue <=$1M, 2014

Chg_TotNum_SBloans_Orig_2013_14 = Change in the Total # of SB Loans Originated, 2013-2014

Chg_Amt_SBlns_Orig_2013_14 = Change in the Total Amount of SB Loans Originated, 2013-2014 ($000s)

Chg_TotNum_SBloans_Orig_2012_14 = Change in the Total # of SB Loans Originated, 2012-2014

Chg_Amt_SBlns_Orig_2012_14 = Change in the Total Amount of SB Loans Originated, 2012-2014 ($000s)

last_edited_date = Last date the feature was edited by ARC

Source: Community Reinvestment Act (CRA), Atlanta Regional Commission

Date: 2014

For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com.

The following data were used for the Department of Water Resources' (DWR) Disadvantaged Communities (DAC) Mapping Tool: https://gis.water.ca.gov/app/dacs/. The data source is from the US Census (American Community Survey), that may include attribute table additions by DWR. The DAC Mapping Tool was designed, and the related datasets made publicly available, to assist in the evaluation of DACs throughout the state, as may relate to the various Grant Programs within the Financial Assistance Branch (FAB) at DWR. The definition of DAC may vary by grant program (within FAB, DWR or grant programs of other public agencies). As such, users should be familiar with the specific requirements for meeting DAC status, based on the particular grant solicitation/program of interest.

For more information related to the Grant Programs within the Financial Assistance Branch, visit: https://water.ca.gov/Work-With-Us/Grants-And-Loans/IRWM-Grant-Programs https://water.ca.gov/Work-With-Us/Grants-And-Loans/Sustainable-Groundwater

Additional questions or requests for information related to the DAC datasets (or the DAC Mapping Tool) should be directed to: dwr_irwm@water.ca.gov.

For more information on DWR's FAB programs, please visit: https://water.ca.gov/Work-With-Us/Grants-And-Loans/IRWM-Grant-Programs