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  Progress With Purpose Hero Image
  
  
            Progress With Purpose
            At Fannie Mae, we’re driving the housing industry forward with innovative initiatives and sustainable solutions that uphold our strong ethics and culture. We’re changing the way we do business together to ensure an affordable, inclusive, and accessible housing market.

  What Progress Means

Our goal is as simple as it is important. We aim to provide more housing opportunities for everyone in America.

We aim to do that in three ways: First, by looking inward to ensure that we are creating an equitable and inclusive environment where all our employees can thrive and contribute to our mission. Second, by knocking down the housing barriers of the past and expanding access to a quality, affordable place to call home. Third, by driving change across the entire housing industry, so that it better represents the people it serves.
Progress With Purpose - What Process Means
  
  
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The homeownership gap


How we’re making progress


Appraiser Diversity Initiative success stories


Moving forward today

  
  The Homeownership Gap

Many consumers encounter obstacles throughout their housing journey, especially those from historically underserved groups. Across the country, many of the communities that suffered from a discriminatory past continue to suffer a persistently diminished present, with housing at the crux of the divide. 44% of Black consumers and 51% of Latino consumers own homes compared to 73% of non-Latino white consumers. These 29 and 22 percentage point gaps translate to roughly 4.4 million Black households and 4 million Latino households.


Homeownership Rate Gap Graph
  
  
      Housing Reality Circle Callout

The housing reality for underserved Americans

Black and Latino Americans historically – and currently – face significant obstacles when it comes to securing and maintaining housing, both in the rental market as well as in homeownership. It’s vital that we understand these issues to develop solutions that responsibly expand housing equity for Black and Latino renters and homeowners.

Learn more
  
  
      Equitable Housing Finance Plan Circle Callout

Equitable Housing Finance Plan

Fannie Mae recently updated the 2022-2024 Equitable Housing Finance Plan focused on knocking down barriers faced by underserved communities and further drive our mission of facilitating equitable and sustainable access to homeownership and quality affordable rental housing in a safe and sound manner.

Read the plan

  

  How We’re Making Progress

We’re building sustainable solutions and taking actions to help create quality, affordable housing and a healthier environment while maintaining responsible business practices.
How Were Making Process 9
      
      Working together to drive positive impact
        We expect our business partners to join us in prioritizing diversity and inclusion consistent with Equal Employment Opportunity and Anti-Discrimination Laws.
              Read more
                                How We're Making Process 8
      
      Advancing diversity and inclusion in the workplace
        As of 12/31/2022, racial/ethnic minorities made up 58% of our workforce and 28% of our officers. Women made up 44% of our workforce and 39% of our officers.
              Learn more
                                How Were Making Process 7
      
      Creating opportunities for borrowers without credit scores
        Homebuyers without credit scores have traditionally faced challenges when trying to qualify for a mortgage, but DU® enhancements help with that.
              Learn more
                                How Were Making Process 1
      
      Making rent count
        We’re helping lenders qualify more first-time homebuyers for a mortgage using their history of consistent rent payments.
              Learn more
                                How Were Making Process 3
      
      Educating first-time homebuyers
        We have a go-to resource that’s designed to help first-time homebuyers navigate the mortgage process in English or Spanish.
              Learn more
                                How Were Making Process 4
      
      The power of diversity and inclusion
        Fannie Mae is committed to diversity in our supplier base, as evidenced by the millions of dollars we directly award to diverse suppliers annually.
              Learn more
                                How Were Making Process 5
      
      Opening doors to rewarding careers in housing
        Future Housing Leaders® connects college students to internship opportunities to help foster diversity and inclusion in the housing industry workforce.
              Learn more
                                How Were Making Process 6
      
      Recognizing the benefits of a more diverse appraiser workforce
        The Appraiser Diversity Initiative is intended to attract new entrants to the appraisal field, knock down barriers to entry, and foster diversity.
              Learn more

  

  Appraiser Diversity Initiative success stories — Jessica Brown
In partnership with the National Urban League, the Appraiser Diversity Initiative is cultivating the next generation of appraisers.

  

  Moving Forward Today

Our commitment to increasing positive social and environmental impacts in the housing industry has resulted in real benefits for households and communities.


Moving Forward Callout - 2000 Households
      
      Approximately 5,600 mortgage applications
        have benefitted from positive rent payment history in Desktop Underwriter® from September 2021 to December 2023. Of those, 41% of the borrowers identified specifically as Black or Latino/Hispanic.
            Moving Forward Callout - 25000 First Time Homebuyers
      
      More than 178,000 first-time homebuyers
        have completed the HomeView® education course.
            Moving Forward Callout - 45 Billion of Mortgages
      
      $32.6 billion of mortgages
        purchased in 2022 originated from single-family lenders that identified as minority- or women-owned lenders.

  

  We are committed to advancing an equitable housing finance system for the diverse renters, homeowners, and communities we serve. We are intentional about measuring and reporting on our results to ensure that we hold ourselves accountable and truly make progress with purpose.



Sharifa Anderson, SVP & Chief Diversity and Inclusion Officer

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