![]() ![]() There are two separate stress tests, one subjecting the entire Bank portfolio to market risk shocks, and one subjecting Bank held mortgage assets to credit risk shocks. Federal Home Loan Bank Stress Tests for Market and Credit RiskįHFA developed stress tests that are used to estimate potential future losses under stressful economic conditions. The estimates of potential future stress losses represent the amount of capital a Bank should have available to cover certain risks posed by changing economic conditions. FHFA also establishes separate annual goals for multifamily housing. įair lending data on single-family automated underwriting system applications and loans acquired by the Enterprises subset by race and ethnicity. Federal Home Loan Bank Member Dataįederal Home Loan Bank members include thrift institutions, commercial banks, credit unions and insurance companies. 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. ![]() This statutory obligation is included in the Federal Housing Enterprises Financial Safety and Soundness Act of 1992.įHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac. The Duty to Serve regulation governs the statutory obligation of Fannie Mae and Freddie Mac to serve very low-, low-, and moderate-income families in three underserved markets: manufactured housing, affordable housing preservation, and rural housing. Duty to Serve Dataĭata on “rural areas," “Indian areas,” “high opportunity areas,” and "areas of concentrated poverty" as defined by the Duty to Serve Regulation. įannie Mae and Freddie Mac single-family maximum allowable mortgage origination balances by county. Contact FHFA regarding Data and Research or with general questions or feedback. ![]()
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