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2005 GSE Mortgage Data

* GSE 2005 (SELF-EXTRACTING ZIP *.exe, 651 KB)


Datasets on single-family and multifamily mortgage purchases in 2005 by Fannie Mae and Freddie Mac (Government-Sponsored Enterprises, or “GSEs”) are available from HUD USER. The 2005 datasets add a thirteenth year in HUD’s GSE public-use mortgage data series. 2005 is the first year in which the GSE housing goals specified by HUD in November 2004 were in effect.

GSE mortgage data supply mortgage lenders, planners, researchers, and housing advocates with a wealth of data concerning the flow of mortgage credit and capital in America's communities. Fannie Mae and Freddie Mac are required to meet specified goals for purchases of mortgages that finance housing for very low-, low- and moderate-income families and families living in areas traditionally underserved by the mortgage market.

HUD releases the GSE Public-Use Database annually in compliance with Section 1323 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (FHEFSSA), based on loan-level data submitted by Fannie Mae and Freddie Mac. The single-family dataset includes detailed information such as the income, race, and gender of the borrower as well as the census tract location, loan-to-value (LTV) ratios, seasoning, purchase/refinancing, and affordability. The data also include property and unit-class information on all multifamily properties acquired by the GSEs. Multifamily property-level data include information on the size of the property, categorized by unpaid principal balance (UPB), and type of seller/servicer from which the GSE purchased the mortgage. The multifamily unit-class file includes information on the number and type and affordability of the units. Both the single-family and multifamily data include indicators of whether the purchases are from "underserved" census tracts and non-metropolitan counties, as defined in terms of their median income and percentage minority population.

In accordance with the Notice of Final Order published on October 4, 2004 are additional data on loan purpose, metropolitan area indication, federal guarantee, race, gender, and occupancy code for single-family loans, and date of mortgage note and seller institution for multifamily loans.

The single-family dataset consists of three data files for 2005: Census Tract, National A, and National B files. The Census Tract file includes information on the location of the property based on the 2000 Census, while the National files are stripped of detailed geographic information. The multifamily dataset consists of two data files for each year: Census Tract and National files. The National file of the multifamily dataset excludes location information. 2005 is the third year for which locations are specified, in the two Census Tract files, in terms of the 2000 Census geocoding system.

The single-family and multifamily datasets covering the entire Nation are available on CD-ROM (ASCII format). Single-family Census Tract data are also available in extracts for individual States and Metropolitan Statistical Areas (MSAs). Multifamily Census Tract and National data are available through download from https://www.huduser.gov. A "Data Dictionary," sent with each order, describes the elements in each dataset and contains files that give State, MSA, and county names corresponding to the numeric codes.

To order 2005 GSE Datasets, please specify items and amounts below. Provide address information on the reverse side. (NOTE: For information about 1993-2004 data, please contact HUD USER, 1-800-245-2691 or go to https://webstore.huduser.gov.)

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[ ] Please send me the combined 2005 GSE Single Family National And Multifamily Census Tract Files on CD-ROM @ $35.00 each (AVI-000143): ORDER

Subtotal $_________

[ ] Please send me the 2005 GSE Single Family Census Tract Files By State on CD-ROM @ $25.00 each (AVI-000144):ORDER

Subtotal $________

[ ] Please send me the 2005 GSE Single Family Census Tract Files By MSA on CD-ROM @ $25.00 each (AVI-000145): ORDER

Subtotal $________

Total for order: $___________

Mail this form to HUD USER, P.O. Box 23268, Washington, D.C. 20026-3268. All orders must be prepaid. To place credit card orders or for more information, call 1-800-245-2691, (202) 708-9981 (fax), 1-800-927-7589 (TDD).





City/State/ZIP: ____________________ Phone: __________________________

Enclosed is a check or money order payable to HUD USER.

Charge my MasterCard/VISA Acct. No.:___________________________

Signature: ______________________ Exp. Date:____________________

Enclosed is Government Purchase Order____________________________

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