Fair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA monitors fair lending data and risk presented by regulated entity activities.

This dataset denotes the locations and pertinent information for Fair Housing Assistance Program (FHAP) grantees. If such agencies are determined by FHEO to enforce state or local fair housing laws that are substantially equivalent to the federal Fair Housing Act, they can receive financial and operational assistance from FHEO to enforce such laws. FHAP agencies receive funding from HUD to support their efforts. Payments are made once a year after the end of the period of performance for that agency.

FHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac.

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, and for 2012 and subsequent years based on 2010 Census tract geography. As in the previous underserved area definition, low-income area and minority census tract definitions are based on prior year metropolitan area definitions as determined by OMB. 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. Each file includes a map of the counties identified as designated disaster areas and a description of the data layout, also available separately.

The FHA Office of Housing last conducted a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative in 2016. The current sales structure consisted of whole loan, competitive auctions, offering for purchase defaulted single family mortgages provided by FHA-approved loan servicers. The loans sold contained specified representations and warranties and may be sold with post-sale restrictions and/or reporting requirements. FHA sold loans in large national pools, as well as loan pools in designated geographical areas that are aimed at a neighborhood stabilization outcome (“NSO pools”).

Multifamily Portfolio datasets (section 8 contracts) - The information has been compiled from multiple data sources within FHA or its contractors. HUD oversees more than 22,000 privately owned multifamily properties, and more than 1.4 million assisted housing units. These homes were originally financed with FHA-insured or Direct Loans and many are supported with Section 8 or other rental assistance contracts. Our existing stock of affordable rental housing is a critical resource for seniors and families who otherwise would not have access to safe, decent places to call home.

The terms and conditions apply to FFY 2025 Federal financial assistance awards (grants and cooperative agreements) administered by the Administration for Children and Families (ACF). Metadata-only record linking to the original dataset. Open original dataset below.