The National Mortgage Database (NMDB®) is a nationally​​ representative five percent sample of residential mortgages in the United States. Publication ​of aggregate data from NMDB is a step toward implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The statute requires FHFA to conduct a monthly mortgage market survey to collect data on the characteristics of individual mortgages, both Enterprise and​ non-Enterprise, and to make the data a​vailable to the public while protecting the privacy of the borrowers.​Notes:1) All CSV file headers are now standardized as described in the Data Dictionary and Technical Notes and all CSV files are zipped.2) Alternate wide format CSV files are available. The wide format may be more easily opened by MS Excel.

The Uniform Appraisal Dataset (UAD) Aggregate Statistics Data File and Dashboards are the nation’s first publicly available datasets of aggregate statistics on appraisal records, giving the public new access to a broad set of data points and trends found in appraisal reports. The UAD Aggregate Statistics for Enterprise Single-Family, Enterprise Condominium, and Federal Housing Administration (FHA) Single-Family appraisals may be grouped by neighborhood characteristics, property characteristics and different geographic levels.DocumentationOverview (10/28/2024)Data Dictionary (10/28/2024)Data File Version History and Suppression Rates (12/18/2024)Dashboard Guide (2/3/2025)UAD Aggregate Statistics DashboardsThe UAD Aggregate Statistics Dashboards are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards here.UAD Aggregate Statistics DatasetsNotes:Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R.All CSV files are zipped.

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

Version 2.1 (2/4/2025)The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) is the nation’s first publicly available appraisal-level dataset of appraisal records, giving the public new access to a selected set of data fields found in appraisal reports. The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals:The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages acquired by the Enterprises. The current release includes appraisals from 2013 through 2022.The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022.The UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download.The UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market.​DocumentationUAD PUF Dat​a Dictionary Version 2.1 (2/4/2025)UAD PUF Version History Version 2.1 (2/4/2025)UAD PUF D​ata Documentation (2/4/2025)

BackgroundWhere the data come fromThe Mortgage Performance Trends data come from the NMDB, a joint project we’ve undertaken with the Federal Housing Finance Agency (FHFA). For more information, visit the NMDB program page .The core data in the NMDB come from data maintained by one of the top three nationwide credit repositories. The NMDB has a nationally representative, 5 percent sample of all outstanding, closed-end, first-lien, 1–4 family residential mortgages.The data and analyses presented herein are the sole product of the CFPB. Use of information downloaded from our website, and any alteration or representation regarding such information by a party, is the responsibility of such party.Why the data matterMortgage delinquency rates reflect the health of the mortgage market, and the health of the overall economy.The 30–89 mortgage delinquency rate is a measure of early stage delinquencies. It generally captures borrowers that have missed one or two payments. This rate can be an early indicator of mortgage market health. However, this rate is seasonally volatile and sensitive to temporary economic shocks.The 90–day delinquency rate is a measure of serious delinquencies. It generally captures borrowers that have missed three or more payments. This rate measures more severe economic distress.PrivacyThe Mortgage Performance Trends data have many protections in place to protect personal identity. Before the CFPB or the FHFA receive any data for the NMDB, all records are stripped of information that might reveal a consumer’s identity, such as names, addresses, and Social Security numbers. All data shown are aggregated by state, metropolitan statistical area, or county.