FHFA Data: Public Use Database

Project Title:  View help for Project Title FHFA Data: Public Use Database

Summary:  View help for Summary 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.
Enterprise Multifamily Public Use Database Dashboard
The 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 Dashboard
• Press Release - FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions

FHFA 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 Dashboard
• Mortgage Loan and Natural Disaster Dashboard FAQs

***For Fannie Mae and Freddie Mac - Release of 2023 Census-Tract Multifamily Properties Census Data
Microdata: Yes
Level of Analysis: Groups - Property Level; Local - Census Tract
Variables Present: Yes - Separate Document
File Layout: .txt
Codebook: Yes
Methods: Yes
Weights (with appropriate documentation): No
Publications: Yes
Aggregate Data: No

***Fannie Mae and Freddie Mac - Release of 2023 Single Family Census Data
Microdata: Yes
Level of Analysis: Groups - mortgage-level data on all single-family properties, Class-level; National
Variables Present: Yes - Separate Document
File Layout: .txt
Codebook: Yes
Methods: No
Weights (with appropriate documentation): No
Publications: Yes
Aggregate Data: No

***Fannie Mae and Freddie Mac - Release of 2023 Single Family National Data
Microdata: Yes
Level of Analysis: Groups - unit-level and mortgage-level data on all single-family properties, Class-level; National
Variables Present: Yes - Separate Document
File Layout: .txt
Codebook: Yes
Methods: No
Weights (with appropriate documentation): No
Publications: Yes
Aggregate Data: No

***Federal Home Loan Bank System 2023
Microdata: Yes
Level of Analysis: Local - Census, Groups - Loan; Individual - Borrowers
Variables Present: Yes
File Layout: .csv, .xlsx
Codebook: Yes
Methods: No
Weights (with appropriate documentation): No
Publications: No
Aggregate Data: No

Original Distribution URL:  View help for Original Distribution URL https://www.fhfa.gov/data/pudb

Subject Terms:  View help for Subject Terms mortgage companies; mortgage

Geographic Coverage:  View help for Geographic Coverage United States of America

Time Period(s):  View help for Time Period(s) 2018 – 2023

Universe:  View help for Universe publicly disclose data about the FHFA’s single-family and multifamily mortgage acquisitions

Data Type(s):  View help for Data Type(s) census/enumeration data; event/transaction data

Unit(s) of Observation:  View help for Unit(s) of Observation loan-level records