Annual

Mortgage Report

2023

March 14, 2024
Affordable Housing Tables

Covering Calendar Year: 2023

For Period Ending: 12/31/2023

Created on: February 16, 2024 - 8:44:10
Contents Description Page

Table 1A Freddie Mac's Mortgage Purchases by Mortgage Type and Housing Goal 

Status Summary Table on Single-Family Housing Goal Performance

1

Table 1B Freddie Mac's Mortgage Purchases by Property Size and Housing Goal 

Status Summary Table on Multifamily Housing Goal Performance

2

Table 1D Distribution of Rental Units Financed by Freddie Mac's Purchases of 

Mortgages on Single Family Rental Properties

3

Table 2 Distribution of Single-Family Owner-Occupied Mortgages Purchased by 

Freddie Mac By Income Class of Mortgagor(s)

4

Table 3A Distribution of Rental Units Financed by Multifamily Mortgages Purchased by 

Freddie Mac by Affordability of Rent

5

Table 3B Distribution of Rental Units Financed by Freddie Mac's Purchases of 

Mortgages on Single-Family Rental Properties By Affordability of Rent

6

Table 4 Freddie Mac Single-Family Owner-Occupied Mortgage Purchases Qualifying 

for the Low-Income Area Purchase Goal by Method of Qualification

7

Table 5A Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By Race of Borrower(s) on Loan Application

8

Table 5B Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By Ethnicity of Borrower(s) on Loan Application

9

Table 6 Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By Gender of Borrower(s)

10

Table 7 Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By Minority Concentration of Census Tract

11

Table 8A Distribution of Freddie Mac's Multifamily Mortgage Purchases By Minority 

Concentration of Census Tract

12

Table 8B Distribution of Freddie Mac's Rental Units Financed by Purchases of 

Mortgages on Single-Family Rental Properties by Minority Concentration of 

Census Tract

13

Table 9 Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases Minority Percentage of Census Tract by Income of Borrower

14

Table 10A Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By State And Territory

15

Table 10B Distribution of Freddie Mac's Multifamily Mortgage Purchases By State And 

Territory

16

Table 10C Distribution of Freddie Mac's Rental Units Financed by Purchases of 

Mortgages on Single-Family Rental Properties by State and Territory

17

Table 11 Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage 

Purchases By LTV Category

18

Table 12 Distribution of Single-Family Owner-Occupied Mortgages Purchased by 

Feddie Mac By Income Class and First Time/Repeat Borrower Status

19

Table 13 Single-Family Owner-Occupied Purchase Money Mortgages Acquired by 

Freddie Mac By Low-Income Census Tract Purchase SUBGOAL Status and 

First Time/Repeat Borrower Status

20

Table 14 Single-Family Owner-Occupied Purchase Money Mortgages Acquired by 

Freddie Mac By Minority Census Tract Purchase SUBGOAL Status and First 

Time/Repeat Borrower Status

21

Table of Contents
Total Mortgages 

Eligible to Qualify

As LowIncome or Very

Low-Income

Purchase Mortgages 

Qualifying LowIncome Purchase

Mortgages

Qualifying Very LowIncome Purchase 

Mortgages 

 

Total Mortgages 

Eligible to

Qualify As

LowIncome Area,

Low-Income 

Census Tracts 

or Minority 

Census Tracts

Purchase

Mortgages

Qualifying Low- 

 Income Area 

 Purchase Money 

 Goal Mortgages 

Qualifying Low- 

 Income Census

Tract

Purchase Subgoal

Mortgages 

Qualifying

Minority

Census Tract 

Purchase Subgoal

Mortgages 

 Total Mortgages 

Eligible 

 As 

Low- Income 

 Refinance1

 

Qualifying Low- 

 Income Refinance 

 Mortgages1 

 

All Mortgage 

Purchases 

 

Purchases of Single Family Mortgages

 Owner Occupied 1-Unit Properties/Mortgages:

 UPB($ Millions) $243,510 $42,250 $7,182 $243,510 $55,039 $20,404 $22,450 $29,666 $8,382 $278,970

 Number of Mortgages 727,841 206,456 49,599 727,841 212,230 67,437 95,008 124,476 53,681 872,965

 Owner Occupied 2-4 Unit Properties/Mortgages:

 UPB($ Millions) $3,372 $692 $96 $3,372 $1,734 $994 $659 $800 $236 $4,175

 Number of Mortgages 8,091 2,976 645 8,091 4,637 2,022 2,370 2,567 1,225 10,670

	 Total Single Family Owner-Occupied Mortgages in 1-4 Unit Properties: 	

 UPB($ Millions) $246,882 $42,942 $7,279 $246,882 $56,773 $21,398 $23,109 $30,466 $8,618 $283,146

 Number of Mortgages 735,932 209,432 50,244 735,932 216,867 69,459 97,378 127,043 54,906 883,635

 

Goals Performance

 Freddie Mac's Single-Family Goals 28% 7% 20% 26%

 Goal Performance Percentages 28.46% 6.83% 29.47% 43.22%

 

 Freddie Mac's Single-Family Subgoal 4% 10%

 Subgoal Performance Percentages 9.44% 13.23%

Mortgages may count toward more than one goal. On certain tables, sum of entries may not equal totals, due to rounding.

1

 MHA Modification loans are included in all Single-Family tables where applicable. An Enterprise's modification of a loan in accordance with the Making Home Affordable program announced on March 4, 2009, that is held in the Enterprise's portfolio or that is in a pool backing

	 a security guaranteed by the Enterprise, shall be treated as a purchase of a refinance mortgage for purposes of the housing goals.

Table 1A

Freddie Mac's Mortgage Purchases by Mortgage Type and Housing Goal Status

Summary Table on Single-Family Housing Goal Performance

For Calendar Year 2023 (Period Ending 12/31/2023)

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Page 1
Qualifying LowIncome 

Purchases

Qualifying Very 

Low-Income 

Purchases

All Goal-Eligible 

Acquisitions

Purchases of Multifamily Mortgages 

 Multifamily 5-50 Unit Properties: 

 UPB($ Million) $1,337 $459 $1,975

 Number of Mortgages1

618 425 709

 Number of Properties 618 425 714

 Number of Units 13,839 5,577 17,096

 Multifamily > 50 Unit Properties: 

 UPB($ Million) $22,399 $5,952 $42,562

 Number of Mortgages1

1,350 925 1,518

 Number of Properties 1,715 1,286 1,883

 Number of Units 215,178 64,581 328,606

 Missing Affordability Data Adjustments 

 Rental Unit Affordability Estimation 

Eligible Units Qualifying Units Eligible Units Qualifying Units

 Units in Multifamily Properties: 

 Number of Units With Missing Data 6,379 6,379 N/A

 Units Where Rent Estimation is Not Possible 753 753 N/A

 Units Where Rent Estimation is Possible

 Large (>50 Unit) Properties 5,418 2,785 5,418 964 N/A

 Small (5-50 Unit) Properties 208 167 208 95 N/A

 Not Subject to Cap 5,130 2,560 5,130 812 N/A

 Subject to Cap 496 391 496 247 N/A

 5% Cap 17,285 17,285 N/A

Adjustments to Number of Units for Missing Data: 2,951 1,059 N/A

Total Multifamily: 

 UPB($ Million) $23,737 $6,411 $44,537

 Number of Mortgages 1,968 1,350 2,224

 Number of Mortgages with both 5-50 and > 50 Unit Properties1

0 0 3

 Number of Properties 2,333 1,711 2,597

 Number of Units 229,017 70,158 345,702

 Number of Units(adjusted) 231,968 71,217 345,702

Goals Performance 

 Freddie Mac's Multifamily Goals Percentage 61.0% 12.0%

 Goal-Qualifying Units (Numerator) 231,968 71,217

 Goal-Eligble Units (Denominator)2 345,702 345,702

 Goal Performance Percentage 67.1% 20.6%

 

Freddie Mac's Small Multifamily Goals Percentage 2.5%

 Goal-Qualifying Units (Numerator) 14,006

 Goal-Eligble Units (Denominator)2 345,702

 Goal Performance Percentage 4.1%

Units may count toward more than one goal. On certain tables, sum of entries may not equal totals, due to rounding.

1

 Mortgages can double count when secured by both 5-50 and >50 unit properties.

2

 Goal-eligible units refer to all dwelling units that are financed by mortgage purchases that could be counted for purposes of the multifamily

 housing goals and subgoals.

Table 1B

Freddie Mac's Mortgage Purchases by Property Size and Housing Goal Status

Summary Table on Multifamily Housing Goal Performance

For Calendar Year 2023 (Period Ending 12/31/2023)

___________________________________________________________________________________________________________________________________________________

Page 2
Low-Income

Purchases

Very Low-Income

Purchases

All Mortgage

Purchases

Purchases of Single Family Mortgages 

 Owner Occupied 2-4 Unit Properties/Mortgages:

 UPB($ Millions) $2,155 $522 $4,175

 Number of Mortgages 7,030 2,363 10,670

 Number of Units* 9,040 3,122 13,493

 

 Investor Owned 1-4 Unit Properties/Mortgages:

 UPB($ Millions) $5,133 $803 $16,502

 Number of Mortgages 30,880 5,800 70,605

 Number of Units* 41,634 10,075 84,835

 

Total Single Family: 

 UPB($ Millions) $7,288 $1,325 $20,677

 Number of Mortgages 37,910 8,163 81,275

 Number of Units* 50,674 13,197 98,328

 

Units may count toward more than one reporting catagory. On certain tables, sum of entries may not equal totals, due to rounding.

Table 1D

Distribution of Rental Units Financed by Freddie Mac's Purchases of Mortgages on Single Family Rental Properties

For Calendar Year 2023 (Period Ending 12/31/2023)

________________________________________________________________________________________________________________________

Page 3
Qualifying

Low-Income

Purchase

Money

Mortgages

Qualifying

Very

Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income

Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money

Mortgages

Acquired

 

Total Refinance

Mortgages

Acquired

 

Total

Mortgages

Acquired

Income No More Than 50% of Median Income

 UPB($ Millions) $7,279 $7,279 $4,408 $2,483 $7,302 $2,492 $9,794

 Number of Mortgages 50,244 50,244 30,120 20,684 50,446 20,764 71,210

 Portion of Qualifying or Total Mortgages Acquired 23.99% 100.00% 13.89% 37.67% 6.69% 16.04% 8.06%

 

Income More Than 50% But No More Than 60% of Median Income

 UPB($ Millions) $8,791 $0 $4,972 $1,837 $8,820 $1,844 $10,664

 Number of Mortgages 46,010 0 25,658 11,539 46,212 11,590 57,802

 Portion of Qualifying or Total Mortgages Acquired 21.97% 0.00% 11.83% 21.02% 6.13% 8.95% 6.54%

Income More Than 60% But No More Than 80% of Median Income

 UPB($ Millions) $26,873 $0 $14,585 $4,297 $26,996 $4,322 $31,318

 Number of Mortgages 113,178 0 60,804 22,683 113,916 22,859 136,775

 Portion of Qualifying or Total Mortgages Acquired 54.04% 0.00% 28.04% 41.31% 15.11% 17.65% 15.48%

 

Income More Than 80% But No More Than 100% of Median Income

 UPB($ Millions) $0 $0 $15,628 $0 $29,984 $4,128 $34,113

 Number of Mortgages 0 0 53,497 0 104,110 18,482 122,592

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 24.67% 0.00% 13.80% 14.27% 13.87%

 

Income More Than 100% But No More Than 120% of Median Income

 UPB($ Millions) $0 $0 $4,505 $0 $30,531 $3,588 $34,119

 Number of Mortgages 0 0 14,081 0 92,053 14,088 106,141

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 6.49% 0.00% 12.21% 10.88% 12.01%

 

Income More Than 120% of Median Income

 UPB($ Millions) $0 $0 $12,675 $0 $148,450 $14,687 $163,138

 Number of Mortgages 0 0 32,707 0 347,411 41,704 389,115

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 15.08% 0.00% 46.07% 32.21% 44.04%

 

Missing

 UPB($ Millions) $0 $0 $0 $0 $0 $0 $0

 Number of Mortgages 0 0 0 0 0 0 0

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

 

All Income Levels 2 

 UPB($ Millions) $42,942 $7,279 $56,773 $8,618 $252,085 $31,061 $283,146

 Number of Mortgages 209,432 50,244 216,867 54,906 754,148 129,487 883,635

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

1

 Based on actual borrower incomes before affordability estimation. Mortgages where affordability was estimated are included in "Missing."

2

 Includes Missing.

Table 2

Distribution of Single-Family Owner-Occupied Mortgages

Purchased by Freddie Mac

By Income Class of Mortgagor(s)1

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 4
Qualifying Low-Income

Purchases

Qualifying Very LowIncome PurchasesTotal Goal Eligible

Units Financed2

Affordable At No More Than 30% Of Median Income

 $UPB(MILLIONS) $3,244 $3,244 $3,244

 Number of Units 29,753 29,753 29,753

 Portion of Qualifying or Total Units Financed 12.83% 41.78% 8.61%

Affordable At More Than 30% but No More than 50% Of Median Income

 $UPB(MILLIONS) $3,167 $3,167 $3,170

 Number of Units 40,405 40,405 40,461

 Portion of Qualifying or Total Units Financed 17.42% 56.73% 11.70%

Affordable At More Than 50% but No More than 60% Of Median Income

 $UPB(MILLIONS) $5,565 $0 $5,565

 Number of Units 59,669 0 59,669

 Portion of Qualifying or Total Units Financed 25.72% 0.00% 17.26%

Affordable At More Than 60% but No More than 80% Of Median Income

 $UPB(MILLIONS) $11,761 $0 $11,761

 Number of Units 99,190 0 99,190

 Portion of Qualifying or Total Units Financed 42.76% 0.00% 28.69%

Affordable At More Than 80% but No More than 100% Of Median Income

 $UPB(MILLIONS) $0 $0 $8,071

 Number of Units 0 0 54,137

 Portion of Qualifying or Total Units Financed 0.00% 0.00% 15.66%

Affordable At More Than 100% but No More than 120% Of Median Income

 $UPB(MILLIONS) $0 $0 $5,058

 Number of Units 0 0 28,663

 Portion of Qualifying or Total Units Financed 0.00% 0.00% 8.29%

Affordable At More Than 120% Of Median Income

 $UPB(MILLIONS) $0 $0 $6,408

 Number of Units 0 0 27,450

 Portion of Qualifying or Total Units Financed 0.00% 0.00% 7.94%

Tenant Rent Missing

 $UPB(MILLIONS) $562 $188 $1,260

 Number of Units 2,951 1,059 6,379

 Portion of Qualifying or Total Units Financed 1.27% 1.49% 1.85%

All Income Levels3 

 $UPB(MILLIONS) $24,299 $6,599 $44,537

 Number of Units 231,968 71,217 345,702

 Portion of Qualifying or Total Units Financed 100.00% 100.00% 100.00%

_______________________________________________________________________________________________________________________________________________________________

Table 3A

Distribution of Rental Units

Financed by Multifamily Mortgages Purchased by Freddie Mac

By Affordability of Rent1

For Calendar Year 2023 (Period Ending 12/31/2023)

1

 Based on actual rents before affordability estimation. Units where affordability was estimated, including all units in senior housing facilities, are

 included in "Tenant Rent Missing."

2

 Goal-eligible units refer to all dwelling units that are financed by mortgage purchases that could be counted for purposes of the multifamily

 housing goals and subgoals.

3

 Includes Missing.

Page 5
Low-Income

Purchases

Very LowIncome PurchasesAggregate Units Financed

Affordable At No More Than 30% Of Median Income

 UPB($ Millions) $173 $173 $173

 Number of Units 1,105 1,105 1,105

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 2.18% 8.37% 1.12%

 

Affordable At More Than 30% but No More than 50% Of Median Income

 UPB($ Millions) $1,152 $1,152 $1,153

 Number of Units 12,092 12,092 12,100

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 23.86% 91.63% 12.31%

 

Affordable At More Than 50% but No More than 60% Of Median Income

 UPB($ Millions) $1,498 $0 $1,499

 Number of Units 11,818 0 11,820

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 23.32% 0.00% 12.02%

Affordable At More Than 60% but No More than 80% Of Median Income

 UPB($ Millions) $4,464 $0 $4,465

 Number of Units 25,659 0 25,662

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 50.64% 0.00% 26.10%

 

Affordable At More Than 80% but No More than 100% Of Median Income

 UPB($ Millions) $0 $0 $4,963

 Number of Units 0 0 21,272

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 0.00% 0.00% 21.63%

 

Affordable At More Than 100% but No More than 120% Of Median Income

 UPB($ Millions) $0 $0 $3,282

 Number of Units 0 0 11,553

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 0.00% 0.00% 11.75%

 

Affordable At More Than 120% Of Median Income

 UPB($ Millions) $0 $0 $4,631

 Number of Units 0 0 12,328

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 0.00% 0.00% 12.54%

 

Tenant Rent Missing

 UPB($ Millions) $0 $0 $511

 Number of Units 0 0 2,488

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 0.00% 0.00% 2.53%

 

All Income Levels1 

 UPB($ Millions) $7,288 $1,325 $20,677

 Number of Units 50,674 13,197 98,328

Portion of Total Low-income, Very low-Income or Aggregate Units Financed 100.00% 100.00% 100.00%

______________________________________________________________________________________________________________________________________________

1

 Includes Missing.

Table 3B

Distribution of Rental Units

Financed by Freddie Mac's Purchases of Mortgages on Single-Family

Rental Properties By Affordability of Rent1

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 6
Family Income <=

 100% of Area 

____Median1

Family Income > 

 100% of Area 

_____Median1

Family Income <=

 100% of Area 

____Median1

Family Income > 

 100% of Area 

_____Median1

Qualifying Low-

 Income Area 

Purchase Money 

Mortgages1

Total Mortgages 

Eligible To Qualify As 

Low-Income Area 

Purchase Money

(1) Tract Income <= 80% of Area Median

 UPB($ Millions) $4,961 $7,493 $12,640 $9,686 $34,780 $34,780

 Number of Mortgages 22,798 19,124 58,783 27,664 128,369 128,369

 Percent of Eligible 17.76% 14.90% 45.79% 21.55% 100.00% 100.00%

 

(2) 80% < Tract Income < 100% ofArea Median and 

 Tract >= 30% Minority 

 UPB($ Millions) $3,230 $7,172 $6,496 $8,083 $9,727 $24,982

 Number of Mortgages 12,948 17,363 25,520 20,660 38,468 76,491

 Percent of Eligible 16.93% 22.70% 33.36% 27.01% 50.29% 100.00%

 

(3) 80% < Tract Income < 100% ofArea Median and 

 Tract < 30% Minority 

 UPB($ Millions) $1,859 $3,343 $7,814 $9,279 $1,859 $22,294

 Number of Mortgages 8,639 9,362 38,874 28,328 8,639 85,203

 Percent of Eligible 10.14% 10.99% 45.63% 33.25% 10.14% 100.00%

 

(4) Tract Income >= 100% of Area Median2

 UPB($ Millions) $10,408 $53,955 $25,334 $75,128 $10,408 $164,825

 Number of Mortgages 41,391 121,489 103,620 179,369 41,391 445,869

 Percent of Eligible 9.28% 27.25% 23.24% 40.23% 9.28% 100.00%

(5) Total 

 UPB($ Millions) $20,457 $71,963 $52,285 $102,177 $56,773 $246,882

 Number of Mortgages 85,776 167,338 226,797 256,021 216,867 735,932

 Percent of Eligible 11.66% 22.74% 30.82% 34.79% 29.47% 100.00%

Table 4

Freddie Mac Single-Family Owner-Occupied Mortgage Purchases

Qualifying for the Low-Income Area Purchase Goal

by Method of Qualification

For Calendar Year 2023 (Period Ending 12/31/2023)

__________________________________________________________________________________________________________________________________________________________________________________________________

1

 Includes mortgages where affordability was estimated.

2

 Includes tracts with missing median incomes or missing percent minority.

Tract is in a Designated DisasterArea Tract is not in a Designated Disaster Area

Page 7
Qualifying

Low-Income

Purchase Money

Mortgages

Qualifying

Very Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money Mortgages

Acquired

 

Total Refinance

Mortgages Acquired

 

Total Mortgages

Acquired

American Indian or Alaskan Native2

 UPB($ Millions) $327 $59 $485 $70 $1,777 $254 $2,031

 Number of Mortgages 1,662 425 1,985 462 5,677 1,125 6,802

 Portion of Qualifying or Total Mortgages Acquired 0.79% 0.85% 0.92% 0.84% 0.75% 0.87% 0.77%

Asian2

 UPB($ Millions) $3,447 $463 $6,206 $286 $30,034 $1,482 $31,516

 Number of Mortgages 13,320 2,644 18,523 1,406 70,938 4,415 75,353

 Portion of Qualifying or Total Mortgages Acquired 6.36% 5.26% 8.54% 2.56% 9.41% 3.41% 8.53%

 

Black or African American2

 UPB($ Millions) $3,287 $618 $4,783 $874 $14,061 $2,346 $16,407

 Number of Mortgages 15,304 4,119 18,746 5,713 42,810 11,199 54,009

 Portion of Qualifying or Total Mortgages Acquired 7.31% 8.20% 8.64% 10.41% 5.68% 8.65% 6.11%

 

Native Hawaiian or Other Pacific Islander2

 UPB($ Millions) $75 $12 $130 $23 $524 $88 $612

 Number of Mortgages 331 73 441 115 1,372 300 1,672

 Portion of Qualifying or Total Mortgages Acquired 0.16% 0.15% 0.20% 0.21% 0.18% 0.23% 0.19%

 

White - Hispanic or Latino3

 UPB($ Millions) $4,748 $826 $8,091 $799 $24,887 $2,727 $27,614

 Number of Mortgages 21,306 5,147 29,393 4,618 72,816 11,081 83,897

 Portion of Qualifying or Total Mortgages Acquired 10.17% 10.24% 13.55% 8.41% 9.66% 8.56% 9.49%

 

White - Non Hispanic or Latino

 UPB($ Millions) $25,238 $4,333 $28,449 $4,960 $143,217 $18,846 $162,064

 Number of Mortgages 130,315 31,340 116,449 32,989 455,454 79,865 535,319

 Portion of Qualifying or Total Mortgages Acquired 62.22% 62.38% 53.70% 60.08% 60.39% 61.68% 60.58%

 

Two or More Minority Races4

 UPB($ Millions) $89 $8 $192 $17 $754 $74 $828

 Number of Mortgages 394 52 616 95 1,935 270 2,205

 Portion of Qualifying or Total Mortgages Acquired 0.19% 0.10% 0.28% 0.17% 0.26% 0.21% 0.25%

 

Joint - either Borrower or Co-Borrower are of a minority group5

 UPB($ Millions) $0 $0 $1 $0 $6 $1 $6

 Number of Mortgages 2 1 4 0 16 1 17

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

 

Information not Provided by Borrower or Co-Borrower 6

 UPB($ Millions) $5,587 $941 $8,205 $1,576 $35,542 $5,181 $40,724

 Number of Mortgages 26,239 6,321 30,004 9,427 100,094 21,006 121,100

 Portion of Qualifying or Total Mortgages Acquired 12.53% 12.58% 13.84% 17.17% 13.27% 16.22% 13.70%

 

Not Applicable

 UPB($ Millions) $0 $0 $0 $0 $0 $0 $0

 Number of Mortgages 0 0 0 0 0 0 0

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

 

Data Not Provided by Loan Seller

 UPB($ Millions) $145 $20 $233 $14 $1,282 $62 $1,344

 Number of Mortgages 559 122 706 81 3,036 225 3,261

 Portion of Qualifying or Total Mortgages Acquired 0.27% 0.24% 0.33% 0.15% 0.40% 0.17% 0.37%

 

Total

 UPB($ Millions) $42,942 $7,279 $56,773 $8,618 $252,085 $31,061 $283,146

 Number of Mortgages 209,432 50,244 216,867 54,906 754,148 129,487 883,635

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

Table 5A

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases

By Race of Borrower(s) on Loan Application1

For Calendar Year 2023 (Period Ending 12/31/2023)

________________________________________________________________________________________________________________________________________________________________________________________________________

4

 The loan is classified as "Two or More Minority Races" where: the borrower is identified as two or more minority races and either there is no co-borrower or the co-borrower is identified as one or more minority races; or one borrower's race is missing and the other 

borrower is identified as two or more minority races.

5

 If either the borrower or co-borrower is identified as one or more minority race(s) and the other borrower is identified as White, the loan is classified as "Joint."

6

 This category consists or mortgages where borrower and co-borrower race information is not provided in mail, internet, or telephone application, even if ethnicity data are reported.

1Borrowers are asked to report both Race and Ethnicity. Race associated with the loan is based on data for the borrower and, if any, co-borrower. Borrower and co-borrower may be identified with any combination of, and up to, 5 race categories: (1) American 

Indian or Alaska Native, (2) Asian, (3) Black or African American, (4) Native Hawaiian or OtherPacific Islander, and (5) White. A borrower or co-borrower identified as both White and one minority race is classified as the minority race.

If race is known for one borrower but not the other borrower, the loan is classified according to the known race. A Loan where one borrower is identified as White and the race of the other borrower is missing, or where both the borrower and co-borrower are 

identified as White, is categorized in one of the two White categories.

Separately, ethnicity associated with a loan also is based on data for the borrower and, if any, co-borrower. Borrower and co-borrower may choose either (1) Hispanic or Latino or (2) Not Hispanic or Latino. In this table, the White race category is further categorized 

as either "Hispanic or Latino," or "Not Hispanic or Latino"Table 5B shows the ethnicity distribution of all loans acquired.

2

 If the borrower and co-borrower are both identified as the same minority race or different minority races, the loan is classified as the race of the borrower.

3

 If the loan is classified as White (see footnote 1) and if either borrower or co-borrower is identified as Hispanic or Latino, the loan is classified as "White - Hispanic or Latino." The category "White - Non Hispanic or Latino" includes loans where borrower and coborrower are both identified as "Not Hispanic or Latino" or when the ethnicity is missing for both borrowers.

Page 8
Qualifying

Low-Income

Purchase

Money

Mortgages

Qualifying

Very

Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income

Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money

Mortgages

Acquired

 

Total Refinance

Mortgages

Acquired

 

Total

Mortgages

Acquired

Borrower and Co-Borrower are Hispanic or Latino:

 UPB($ Millions) $5,641 $1,031 $9,073 $968 $24,295 $2,852 $27,147

 Number of Mortgages 25,428 6,428 33,526 5,669 73,547 12,127 85,674

 Portion of Qualifying or Total Mortgages Acquired 12.14% 12.79% 15.46% 10.32% 9.75% 9.37% 9.70%

 

Borrower and Co-Borrower are not Hispanic or Latino:

 UPB($ Millions) $31,704 $5,345 $39,169 $6,110 $187,393 $22,672 $210,065

 Number of Mortgages 157,409 37,616 152,387 40,018 567,714 95,417 663,131

 Portion of Qualifying or Total Mortgages Acquired 75.16% 74.87% 70.27% 72.88% 75.28% 73.69% 75.05%

 

Joint - Either Borrower or Co-Borrower are Hispanic or Latino:2

 UPB($ Millions) $434 $35 $1,190 $74 $6,902 $562 $7,465

 Number of Mortgages 1,867 221 3,755 401 17,615 1,924 19,539

 Portion of Qualifying or Total Mortgages Acquired 0.89% 0.44% 1.73% 0.73% 2.34% 1.49% 2.21%

 

Information not Provided by Borrower or Co-Borrower:3 

 UPB($ Millions) $4,759 $797 $6,807 $1,381 $31,591 $4,730 $36,321

 Number of Mortgages 22,755 5,481 25,102 8,287 89,303 18,924 108,227

 Portion of Qualifying or Total Mortgages Acquired 10.87% 10.91% 11.57% 15.09% 11.84% 14.61% 12.25%

Not Applicable:

 UPB($ Millions) $4 $1 $6 $1 $28 $2 $31

 Number of Mortgages 20 5 25 4 84 11 95

 Portion of Qualifying or Total Mortgages Acquired 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%

 

Data Not Provided By Loan Seller

 UPB($ Millions) $399 $70 $528 $85 $1,875 $242 $2,117

 Number of Mortgages 1,953 493 2,072 527 5,885 1,084 6,969

 Portion of Qualifying or Total Mortgages Acquired 0.93% 0.98% 0.96% 0.96% 0.78% 0.84% 0.79%

 

Total:

 UPB($ Millions) $42,942 $7,279 $56,773 $8,618 $252,085 $31,061 $283,146

 Number of Mortgages 209,432 50,244 216,867 54,906 754,148 129,487 883,635

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

Table 5B

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases

By Ethnicity of Borrower(s) on Loan Application1

For Calendar Year 2023 (Period Ending 12/31/2023)

________________________________________________________________________________________________________________________________________________________________________________________________________

1

 If ethnicity is known for one borrower but not the other, loan is classified according to the known ethnicity.

2

 Joint means one Borrower is of Hispanic or Latino ethnicity and the other is not in any order.

3

 This category consists of mortgages where borrower and co-borrower ethnicity (as Hispanic/Latino or not) information is not provided in mail, internet, or telephone application, even if race data are reported.

Page 9
Qualifying

Low-Income

Purchase

Money

Mortgages

Qualifying

Very

Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income

Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money

Mortgages

Acquired

 

Total Refinance

Mortgages

Acquired

 

Total

Mortgages

Acquired

All Male:

 UPB($ Millions) $16,655 $2,846 $20,262 $2,776 $78,779 $9,257 $88,036

 Number of Mortgages 81,264 19,370 78,907 17,710 243,330 39,291 282,621

 Portion of Qualifying or Total Mortgages Acquired 38.80% 38.55% 36.38% 32.26% 32.27% 30.34% 31.98%

All Female:

 UPB($ Millions) $16,085 $3,393 $16,852 $3,294 $52,517 $7,389 $59,906

 Number of Mortgages 81,492 23,820 71,151 21,866 183,717 36,469 220,186

 Portion of Qualifying or Total Mortgages Acquired 38.91% 47.41% 32.81% 39.82% 24.36% 28.16% 24.92%

 

Male and Female:

 UPB($ Millions) $8,175 $703 $16,790 $1,738 $107,099 $11,843 $118,942

 Number of Mortgages 36,819 4,691 56,020 10,452 287,810 43,033 330,843

 Portion of Qualifying or Total Mortgages Acquired 17.58% 9.34% 25.83% 19.04% 38.16% 33.23% 37.44%

 

Not Applicable:

 UPB($ Millions) $11 $3 $15 $3 $49 $11 $60

 Number of Mortgages 54 18 59 18 153 45 198

 Portion of Qualifying or Total Mortgages Acquired 0.03% 0.04% 0.03% 0.03% 0.02% 0.03% 0.02%

 

Not Provided:

 UPB($ Millions) $2,018 $334 $2,854 $807 $13,640 $2,561 $16,201

 Number of Mortgages 9,803 2,345 10,730 4,860 39,138 10,649 49,787

 Portion of Qualifying or Total Mortgages Acquired 4.68% 4.67% 4.95% 8.85% 5.19% 8.22% 5.63%

 

Missing:

 UPB($ Millions) $0 $0 $0 $0 $0 $0 $0

 Number of Mortgages 0 0 0 0 0 0 0

 Portion of Qualifying or Total Mortgages Acquired 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

 

Total:

 UPB($ Millions) $42,942 $7,279 $56,773 $8,618 $252,085 $31,061 $283,146

 Number of Mortgages 209,432 50,244 216,867 54,906 754,148 129,487 883,635

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

1

 Borrower and Co-Borrower with a Not Provided or Not Applicable are placed in the specific gender of the Borrower or Co-Borrower.

Table 6

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases

By Gender of Borrower(s)1

For Calendar Year 2023 (Period Ending 12/31/2023)

___________________________________________________________________________________________________________________________________________________________________________________________________________________________

Page 10
Qualifying

Low-Income

Purchase

Money

Mortgages

Qualifying

Very

Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income

Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money

Mortgages

Acquired

 

Total Refinance

Mortgages

Acquired

 

Total

Mortgages

Acquired

Minority < 10% 25,886 6,945 9,481 7,462 78,668 17,801 96,469

10% <= Minority < 20% 46,701 10,670 27,783 11,472 174,448 29,218 203,666

20% <= Minority < 30% 37,493 8,333 28,329 8,301 149,169 21,380 170,549

30% <= Minority < 50% 47,017 10,788 61,211 10,816 178,960 26,374 205,334

50% <= Minority < 80% 36,280 8,602 59,472 9,757 127,160 21,181 148,341

80% <= Minority <= 100% 16,052 4,906 30,535 7,093 45,675 13,505 59,180

Tract Missing / Unable to Classify 3 0 56 5 68 28 96

Total: 209,432 50,244 216,867 54,906 754,148 129,487 883,635

Table 7

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases

By Minority Concentration of Census Tract

For Calendar Year 2023 (Period Ending 12/31/2023)

_______________________________________________________________________________________________________________________________________________________________________________________

Page 11
Qualifying Low-Income

Units

Qualifying Very LowIncome Units Total Goal-Eligible

 Units Financed1

Minority < 10% 1,859 920 2,178

10% <= Minority < 20% 10,731 3,027 17,310

20% <= Minority < 30% 22,851 6,479 39,758

30% <= Minority < 50% 54,771 13,505 89,074

50% <= Minority < 80% 78,686 18,857 120,924

80% <= Minority <= 100% 63,068 28,429 76,458

Tract Missing / Unable to Classify 0 0 0

Total: 231,968 71,217 345,702

 housing goals and subgoals.

Table 8A

Distribution of Freddie Mac's Multifamily Mortgage Purchases

By Minority Concentration of Census Tract

For Calendar Year 2023 (Period Ending 12/31/2023)

___________________________________________________________________________________________________________________________________

1

 Goal-eligible units refer to all dwelling units that are financed by mortgage purchases that could be counted for purposes of the multifamily

Page 12
Qualifying Low-Income

Units

Qualifying Very LowIncome UnitsTotal Units Financed

Minority < 10% 2,881 1,084 5,282

10% <= Minority < 20% 6,950 1,882 13,783

20% <= Minority < 30% 6,440 1,506 13,674

30% <= Minority < 50% 10,869 2,549 22,621

50% <= Minority < 80% 12,464 2,936 24,078

80% <= Minority <= 100% 11,063 3,240 18,847

Tract Missing / Unable to Classify 7 0 43

Total: 50,674 13,197 98,328

Table 8B

Distribution of Freddie Mac's Rental Units Financed by Purchases of Mortgages on Single-Family

Rental Properties by Minority Concentration of Census Tract

For Calendar Year 2023 (Period Ending 12/31/2023)

_________________________________________________________________________________________________

Page 13
Qualifying

Low-Income

Purchase

Money

Mortgages

Qualifying

Very

Low-Income

Purchase

Money

Mortgages

Qualifying

Low-Income

Area

Purchase

Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total

Purchase

Money

Mortgages

Acquired

 

Total

Refinance

Mortgages

Acquired

 

Total

Mortgages

Acquired

Income <= 50% of Median Income 

 Minority < 10% 6,945 6,945 1,616 2,825 6,981 2,845 9,826

 10% <= Minority < 30% 19,003 19,003 7,584 7,271 19,078 7,293 26,371

 30% <= Minority < 50% 10,788 10,788 8,580 3,934 10,833 3,949 14,782

 50% <= Minority < 80% 8,602 8,602 7,638 3,759 8,632 3,777 12,409

 80% <= Minority <= 100% 4,906 4,906 4,702 2,895 4,922 2,900 7,822

 Tract Missing / Unable to Classify 0 0 0 0 0 0 0

 Subtotal 50,244 50,244 30,120 20,684 50,446 20,764 71,210

 

50% < Income <=60% of MSA Median Income 

 Minority < 10% 5,934 0 1,165 1,531 5,982 1,541 7,523

 10% <= Minority < 30% 18,719 0 6,947 4,237 18,781 4,252 23,033

 30% <= Minority < 50% 10,271 0 7,699 2,322 10,323 2,335 12,658

 50% <= Minority < 80% 7,761 0 6,703 1,996 7,791 2,005 9,796

 80% <= Minority <= 100% 3,325 0 3,144 1,453 3,335 1,457 4,792

 Tract Missing / Unable to Classify 0 0 0 0 0 0 0

 Subtotal 46,010 0 25,658 11,539 46,212 11,590 57,802

 

60% < Income <=80% of MSA Median Income 

 Minority < 10% 13,007 0 2,332 3,106 13,157 3,153 16,310

 10% <= Minority < 30% 46,472 0 16,433 8,265 46,768 8,313 55,081

 30% <= Minority < 50% 25,958 0 18,262 4,560 26,085 4,597 30,682

 50% <= Minority < 80% 19,917 0 16,501 4,002 20,043 4,026 24,069

 80% <= Minority <= 100% 7,821 0 7,273 2,745 7,860 2,765 10,625

 Tract Missing / Unable to Classify 3 0 3 5 3 5 8

 Subtotal 113,178 0 60,804 22,683 113,916 22,859 136,775

 

80% < Income <=100% of MSA Median Income 

 Minority < 10% 0 0 1,948 0 11,108 2,550 13,658

 10% <= Minority < 30% 0 0 15,335 0 43,880 7,011 50,891

 30% <= Minority < 50% 0 0 16,117 0 24,642 3,842 28,484

 50% <= Minority < 80% 0 0 14,276 0 18,036 3,121 21,157

 80% <= Minority <= 100% 0 0 5,818 0 6,441 1,951 8,392

 Tract Missing / Unable to Classify 0 0 3 0 3 7 10

 Subtotal 0 0 53,497 0 104,110 18,482 122,592

 

100% < Income <=120% of MSA Median Income 

 Minority < 10% 0 0 749 0 9,089 1,966 11,055

 10% <= Minority < 30% 0 0 2,940 0 39,455 5,560 45,015

 30% <= Minority < 50% 0 0 3,240 0 22,081 2,920 25,001

 50% <= Minority < 80% 0 0 4,201 0 15,771 2,258 18,029

 80% <= Minority <= 100% 0 0 2,948 0 5,653 1,382 7,035

 Tract Missing / Unable to Classify 0 0 3 0 4 2 6

 Subtotal 0 0 14,081 0 92,053 14,088 106,141

 

120% of MSA Median Income < Income 

 Minority < 10% 0 0 1,671 0 32,351 5,746 38,097

 10% <= Minority < 30% 0 0 6,873 0 155,655 18,169 173,824

 30% <= Minority < 50% 0 0 7,313 0 84,996 8,731 93,727

 50% <= Minority < 80% 0 0 10,153 0 56,887 5,994 62,881

 80% <= Minority <= 100% 0 0 6,650 0 17,464 3,050 20,514

 Tract Missing / Unable to Classify 0 0 47 0 58 14 72

 Subtotal 0 0 32,707 0 347,411 41,704 389,115

 

Borrower Income Missing 

 Minority < 10% 0 0 0 0 0 0 0

 10% <= Minority < 30% 0 0 0 0 0 0 0

 30% <= Minority < 50% 0 0 0 0 0 0 0

 50% <= Minority < 80% 0 0 0 0 0 0 0

 80% <= Minority <= 100% 0 0 0 0 0 0 0

 Tract Missing / Unable to Classify 0 0 0 0 0 0 0

 Subtotal 0 0 0 0 0 0 0

Total: 209,432 50,244 216,867 54,906 754,148 129,487 883,635

Table 9

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases

Minority Percentage of Census Tract by Income of Borrower

For Calendar Year 2023 (Period Ending 12/31/2023)

____________________________________________________________________________________________________________________________________________________________________________________________________________________

Page 14
Qualifying

Low-Income

Purchase Money

Mortgages

Qualifying

Very Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money Mortgages

Acquired

 

Total Refinance

Mortgages Acquired

 

Total Mortgages

Acquired

Alabama 2,770 697 2,817 754 9,256 2,115 11,371

Alaska 313 83 252 78 965 170 1,135

Arizona 4,687 935 4,696 1,595 21,128 3,501 24,629

Arkansas 1,488 327 1,056 439 5,685 1,475 7,160

California 5,626 735 14,640 3,646 50,450 10,140 60,590

Colorado 5,036 993 5,256 1,120 18,934 2,516 21,450

Connecticut 3,564 887 3,441 639 8,220 1,123 9,343

Delaware 1,045 281 926 217 3,479 436 3,915

District of Columbia 567 167 495 88 1,525 159 1,684

Florida 11,349 1,894 22,398 3,770 68,396 9,721 78,117

Georgia 6,364 1,343 6,269 2,452 25,962 5,664 31,626

Hawaii 211 35 452 99 1,363 263 1,626

Idaho 1,393 230 1,144 411 5,959 1,056 7,015

Illinois 13,930 3,969 8,690 2,082 36,011 4,300 40,311

Indiana 9,261 2,859 4,781 1,977 20,957 3,524 24,481

Iowa 3,757 1,223 3,143 491 7,918 967 8,885

Kansas 2,621 755 1,432 425 6,774 934 7,708

Kentucky 3,577 991 2,928 890 9,743 1,986 11,729

Louisiana 1,650 304 3,012 523 7,147 1,775 8,922

Maine 785 147 476 281 3,131 622 3,753

Maryland 5,939 1,674 4,766 1,169 14,592 2,062 16,654

Massachusetts 3,694 687 3,069 946 11,639 1,879 13,518

Michigan 11,645 3,431 11,546 2,712 29,337 5,267 34,604

Minnesota 7,517 2,139 3,910 939 16,652 1,890 18,542

Mississippi 593 120 617 266 2,737 951 3,688

Missouri 6,909 2,098 5,609 1,337 16,649 2,836 19,485

Montana 534 107 579 212 2,202 577 2,779

Nebraska 1,585 451 782 284 4,164 656 4,820

Nevada 1,613 301 1,632 500 8,164 1,122 9,286

New Hampshire 1,133 240 755 402 3,715 742 4,457

New Jersey 4,789 969 6,410 1,337 20,622 3,227 23,849

New Mexico 606 113 758 258 3,380 754 4,134

New York 6,674 1,423 7,828 1,677 26,867 4,439 31,306

North Carolina 6,535 1,424 6,726 1,878 25,972 4,262 30,234

North Dakota 443 103 141 70 1,295 169 1,464

Ohio 14,195 4,160 7,553 2,893 34,104 5,379 39,483

Oklahoma 2,454 628 3,185 527 8,243 1,598 9,841

Oregon 2,003 319 3,193 594 10,573 1,505 12,078

Pennsylvania 10,521 2,964 9,091 2,235 29,713 4,182 33,895

Rhode Island 682 100 494 226 2,037 408 2,445

South Carolina 4,047 900 4,531 1,024 15,609 2,322 17,931

South Dakota 345 92 209 140 1,396 375 1,771

Tennessee 4,384 910 5,113 1,514 17,040 3,696 20,736

Texas 11,576 1,851 24,175 5,322 70,034 16,438 86,472

Utah 2,211 352 2,582 606 9,710 1,723 11,433

Vermont 354 76 169 111 1,321 303 1,624

Virginia 6,837 1,634 5,374 1,437 20,383 2,920 23,303

Washington 3,753 611 4,669 1,053 17,697 2,686 20,383

West Virginia 838 252 587 206 2,361 451 2,812

Wisconsin 4,721 1,184 2,280 916 11,761 1,871 13,632

Wyoming 297 76 137 131 1,002 290 1,292

Guam 2 0 23 3 24 14 38

Puerto Rico 8 0 37 2 108 33 141

Virgin Islands 1 0 33 2 42 13 55

Other Territories 0 0 0 0 0 0 0

Unable to Geocode 0 0 0 0 0 0 0

Total 209,432 50,244 216,867 54,906 754,148 129,487 883,635

____________________________________________________________________________________________________________________________________________________________________

Table 10A

Distribution of Freddie Mac's

Single-Family Owner-Occupied Mortgage Purchases

By State And Territory

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 15
Qualifying Low-Income

Units

Qualifying Very LowIncome Units Total Goal-Eligible

 Units Financed1

Alabama 1,132 299 1,339

Alaska 48 42 48

Arizona 10,654 1,158 15,697

Arkansas 2,235 810 2,257

California 12,678 7,023 28,949

Colorado 6,109 1,121 8,385

Connecticut 2,506 587 4,812

Delaware 869 378 870

District of Columbia 2,332 2,082 2,623

Florida 10,209 2,369 38,234

Georgia 11,952 3,054 17,698

Hawaii 379 379 379

Idaho 186 20 467

Illinois 8,846 2,614 15,571

Indiana 8,609 3,225 9,261

Iowa 1,038 464 1,051

Kansas 2,503 1,373 2,541

Kentucky 2,494 796 2,505

Louisiana 2,876 491 4,036

Maine 97 31 125

Maryland 3,822 1,850 5,081

Massachusetts 592 308 1,078

Michigan 3,886 1,904 4,553

Minnesota 3,887 1,613 4,183

Mississippi 1,182 336 1,267

Missouri 2,899 1,450 3,279

Montana 83 83 84

Nebraska 929 67 941

Nevada 2,642 286 4,885

New Hampshire 248 111 376

New Jersey 3,411 1,535 8,589

New Mexico 2,951 421 3,775

New York 11,257 7,870 18,698

North Carolina 14,722 2,518 17,027

North Dakota 321 321 321

Ohio 11,336 4,710 13,040

Oklahoma 2,449 1,182 2,453

Oregon 1,986 423 3,113

Pennsylvania 2,574 1,192 3,768

Rhode Island 68 14 68

South Carolina 2,886 937 3,772

South Dakota 246 0 278

Tennessee 6,246 1,386 9,171

Texas 45,231 7,439 57,355

Utah 1,576 306 2,609

Vermont 191 114 191

Virginia 8,716 2,881 9,877

Washington 5,891 792 6,654

West Virginia 101 90 101

Wisconsin 1,321 439 1,701

Wyoming 304 266 304

Guam 0 0 0

Puerto Rico 262 55 262

Virgin Islands 0 0 0

Other Territories 0 0 0

Unable to Geocode 0 0 0

Total 231,968 71,217 345,702

1

 Goal-eligible units refer to all dwelling units that are financed by mortgage purchases that could be counted

for purposes of the multifamily housing goals and subgoals.

Table 10B

Distribution of Freddie Mac's

Multifamily Mortgage Purchases

By State And Territory

For Calendar Year 2023 (Period Ending 12/31/2023)

____________________________________________________________________________________________________

Page 16
Qualifying Low-Income

Units

Qualifying Very LowIncome UnitsTotal Units Financed

Alabama 717 179 1,192

Alaska 167 38 275

Arizona 722 100 2,421

Arkansas 428 52 631

California 2,491 370 9,622

Colorado 576 82 1,509

Connecticut 1,318 517 1,607

Delaware 176 42 291

District of Columbia 128 44 192

Florida 1,309 118 8,374

Georgia 1,475 197 3,385

Hawaii 44 11 195

Idaho 244 36 626

Illinois 3,188 1,124 4,455

Indiana 1,619 622 2,102

Iowa 469 215 545

Kansas 450 178 600

Kentucky 635 168 864

Louisiana 494 66 1,007

Maine 286 47 478

Maryland 1,139 257 1,544

Massachusetts 1,723 287 2,516

Michigan 2,213 622 2,936

Minnesota 796 231 995

Mississippi 154 32 292

Missouri 1,520 573 1,877

Montana 165 42 273

Nebraska 240 66 272

Nevada 291 34 1,037

New Hampshire 346 102 477

New Jersey 1,885 199 3,662

New Mexico 202 50 462

New York 3,028 1,122 6,849

North Carolina 1,576 173 3,168

North Dakota 52 32 66

Ohio 4,250 1,965 5,050

Oklahoma 640 79 978

Oregon 387 39 937

Pennsylvania 2,987 1,048 3,753

Rhode Island 483 88 670

South Carolina 488 58 1,387

South Dakota 104 35 140

Tennessee 881 101 2,081

Texas 3,764 381 9,459

Utah 492 88 1,162

Vermont 95 25 145

Virginia 1,321 241 1,962

Washington 780 115 1,650

West Virginia 137 43 219

Wisconsin 1,501 822 1,733

Wyoming 91 41 104

Guam 0 0 1

Puerto Rico 0 0 58

Virgin Islands 7 0 42

Other Territories 0 0 0

Unable to Geocode 0 0 0

Total 50,674 13,197 98,328

Table 10C

Distribution of Freddie Mac's Rental Units Financed by Purchases of Mortgages on Single-Family

Rental Properties by State and Territory

For Calendar Year 2023 (Period Ending 12/31/2023)

_____________________________________________________________________________________________________

Page 17
Qualifying

Low-Income

Purchase Money

Mortgages

Qualifying

Very Low-Income

Purchase Money

Mortgages

Qualifying

Low-Income Area

Purchase Money

Mortgages

Qualifying

Low-Income

Refinance

Mortgages

 

Total Purchase

Money Mortgages

Acquired

 

Total Refinance

Mortgages Acquired

 

Total Mortgages

Acquired

0% < LTV <= 60%

 UPB($ Millions) $5,538 $1,422 $5,046 $5,239 $26,788 $14,969 $41,757

 Number of Mortgages 34,103 11,234 26,667 36,785 105,919 73,145 179,064

 Portion of Total 16.28% 22.36% 12.30% 67.00% 14.04% 56.49% 20.26%

 

60% < LTV <= 80%

 UPB($ Millions) $14,280 $2,306 $19,046 $3,220 $99,925 $14,508 $114,434

 Number of Mortgages 65,995 14,942 69,335 17,204 279,941 51,800 331,741

 Portion of Total 31.51% 29.74% 31.97% 31.33% 37.12% 40.00% 37.54%

 

80% < LTV <= 90%

 UPB($ Millions) $6,916 $1,024 $10,283 $102 $47,106 $1,034 $48,140

 Number of Mortgages 30,755 6,597 35,262 445 126,660 2,741 129,401

 Portion of Total 14.68% 13.13% 16.26% 0.81% 16.80% 2.12% 14.64%

90% < LTV <= 95%

 UPB($ Millions) $9,141 $1,200 $15,841 $30 $63,580 $494 $64,073

 Number of Mortgages 42,224 8,064 55,878 142 181,934 1,274 183,208

 Portion of Total 20.16% 16.05% 25.77% 0.26% 24.12% 0.98% 20.73%

 

95% < LTV <=100%

 UPB($ Millions) $7,066 $1,324 $6,557 $4 $14,666 $9 $14,676

 Number of Mortgages 36,303 9,378 29,695 18 59,475 35 59,510

 Portion of Total 17.33% 18.66% 13.69% 0.03% 7.89% 0.03% 6.73%

 

100% < LTV

 UPB($ Millions) $0 $0 $0 $0 $11 $0 $11

 Number of Mortgages 0 0 0 0 74 0 74

 Portion of Total 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.01%

 

Missing LTV

 UPB($ Millions) $3 $1 $1 $24 $8 $47 $55

 Number of Mortgages 52 29 30 312 145 492 637

 Portion of Total 0.02% 0.06% 0.01% 0.57% 0.02% 0.38% 0.07%

 

Total

 UPB($ Millions) $42,942 $7,279 $56,773 $8,618 $252,085 $31,061 $283,146

 Number of Mortgages 209,432 50,244 216,867 54,906 754,148 129,487 883,635

 Portion of Total 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

1

 Does not include second mortgages and non-applicable categories.

Table 11

Distribution of Freddie Mac's Single-Family Owner-Occupied Mortgage Purchases1

By LTV Category

For Calendar Year 2023 (Period Ending 12/31/2023)

__________________________________________________________________________________________________________________________________________________________________________________________________________

Page 18
First-Time

Buyer

Mortgages

Repeat

Buyer

Mortgages

Buyer Status

Not Available

Mortgages

 

Total

Mortgages

Income No More Than 50% of Median Income

 UPB($ Millions) $5,011 $2,279 $0 $7,291

 Number of Mortgages 33,903 16,435 0 50,338

 Portion of Qualifying or Total Mortgages Acquired 9.00% 4.50% 6.80%

Income More Than 50% But No More Than 60% of Median Income

 UPB($ Millions) $5,900 $2,903 $0 $8,803

 Number of Mortgages 30,320 15,767 0 46,087

 Portion of Qualifying or Total Mortgages Acquired 8.10% 4.40% 6.30%

Income More Than 60% But No More Than 80% of Median Income

 UPB($ Millions) $17,243 $9,663 $0 $26,905

 Number of Mortgages 70,753 42,573 0 113,326

 Portion of Qualifying or Total Mortgages Acquired 18.80% 11.80% 15.40%

Income More Than 80% But No More Than 100% of Median Income

 UPB($ Millions) $17,653 $12,180 $0 $29,833

 Number of Mortgages 58,752 44,508 0 103,260

 Portion of Qualifying or Total Mortgages Acquired 15.60% 12.30% 14.00%

Income More Than 100% But No More Than 120% of Median Income

 UPB($ Millions) $16,483 $13,833 $0 $30,316

 Number of Mortgages 47,143 43,831 0 90,974

 Portion of Qualifying or Total Mortgages Acquired 12.60% 12.10% 12.30%

Income More Than 120% of Median Income

 UPB($ Millions) $58,780 $85,166 $0 $143,946

 Number of Mortgages 134,560 198,129 0 332,689

 Portion of Qualifying or Total Mortgages Acquired 35.80% 54.80% 45.20%

Missing

 UPB($ Millions) 

 Number of Mortgages 

 Portion of Qualifying or Total Mortgages Acquired 

All Income Levels1

 UPB($ Millions) $121,070 $126,024 $0 $247,093

 Number of Mortgages 375,431 361,243 0 736,674

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00%

_______________________________________________________________________________________________________________________________________

1

 Includes Missing.

Table 12

Distribution of Single-Family Owner-Occupied Mortgages

Purchased by Freddie Mac

By Income Class and First Time/Repeat Borrower Status

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 19
First-Time

Buyer

Mortgages

Repeat

Buyer

Mortgages

Buyer Status

Not Available

Mortgages

 

Total

Mortgages

Low-Income Census Tract Subgoal-Qualifying Mortgages

 UPB($ Millions) $11,710 $9,688 $0 $21,398

 Number of Mortgages 38,209 31,250 0 69,459

 Portion of Qualifying or Total Mortgages Acquired 10.20% 8.70% 9.40%

Non-Qualifying Mortgages

 UPB($ Millions) $109,249 $116,234 $0 $225,483

 Number of Mortgages 336,807 329,666 0 666,473

 Portion of Qualifying or Total Mortgages Acquired 89.80% 91.30% 90.60%

Total Mortgages 

 UPB($ Millions) $120,960 $125,922 $0 $246,882

 Number of Mortgages 375,016 360,916 0 735,932

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00%

_______________________________________________________________________________________________________________________________________

Table 13

Single-Family Owner-Occupied Purchase Money Mortgages Acquired by

Freddie Mac by First Time/Repeat Borrower Status, for Mortgages Qualifying

and Not Qualifying for the Low-Income Census Tract Purchase SUBGOAL

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 20
First-Time

Buyer

Mortgages

Repeat

Buyer

Mortgages

Buyer Status

Not Available

Mortgages

 

Total

Mortgages

Minority Census Tract Subgoal-Qualifying Mortgages

 UPB($ Millions) $16,381 $6,727 $0 $23,109

 Number of Mortgages 68,290 29,088 0 97,378

 Portion of Qualifying or Total Mortgages Acquired 18.20% 8.10% 13.20%

Non-Qualifying Mortgages

 UPB($ Millions) $104,579 $119,194 $0 $223,773

 Number of Mortgages 306,726 331,828 0 638,554

 Portion of Qualifying or Total Mortgages Acquired 81.80% 91.90% 86.80%

Total Mortgages 

 UPB($ Millions) $120,960 $125,922 $0 $246,882

 Number of Mortgages 375,016 360,916 0 735,932

 Portion of Qualifying or Total Mortgages Acquired 100.00% 100.00% 100.00% 100.00%

_______________________________________________________________________________________________________________________________________

Table 14

Single-Family Owner-Occupied Purchase Money Mortgages Acquired by

Freddie Mac by First Time/Repeat Borrower Status, for Mortgages Qualifying

and Not Qualifying for the Minority Census Tract Purchase SUBGOAL

For Calendar Year 2023 (Period Ending 12/31/2023)

Page 21