AHAR and AMR
Building a better future for housing
Fannie Mae is working to knock down barriers that keep people from accessing affordable, stable homeownership and rental opportunities, including barriers that disproportionately impact people of color. In 2021, we adapted our mission to the housing needs of a country recovering from a pandemic and wrestling with its persistent disparities in homeownership, wealth, and opportunity. That mission, “to facilitate equitable and sustainable access to homeownership and quality affordable rental housing across America,” is as urgent today as at any time in our history. Our successes in 2021 laid the groundwork for a better future for U.S. housing — a future that the people of Fannie Mae are ready and eager to build.
As required by Fannie Mae’s Charter Act and implementing regulations, the company submits its Annual Housing Activities Report (“AHAR”) and Annual Mortgage Report (“AMR”).
The AHAR and AMR reflect housing activities undertaken by Fannie Mae and the company’s performance against our housing goals established by the Federal Housing Finance Agency (“FHFA”).
The AHAR and AMR include data tables that provide information about each goal and our performance under each goal and subgoal. Included in the tables are dollar volumes, number of mortgages and number of units related to owner occupied and rental properties financed by Fannie Mae’s mortgage purchases.
2021 by the Numbers
Affordable housing Consumer education Racial equity Supporting the market Relief response
Home-purchase mortgages to low-income borrowers*
Home-purchase mortgages to very low-income borrowers*
Mortgages to borrowers at no more than 120% of Area Median Income
First-time homebuyer mortgages, more than half of all Fannie Mae home-purchase mortgage* acquisitions
Rental units affordable to low-income families*
Rental units affordable to very low-income families*
Multifamily affordable housing volume
Saved through RefiNow™ appraisal credits in 2021
Fannie Mae potential homebuyers received homeownership education
Unique visitors to consumer education websites**
Increase in the number of Future Housing Leaders® interns from 2020
Future Housing Leaders survey respondents who identify as a racial or ethnic minority
In liquidity provided to the mortgage market
In financing provided to the multifamily market
Reached in Green Bond issuances
Record dollar volume of first-time homebuyer mortgages
Single-family loans that exited forbearance 2021
Consumers who took advantage of counseling sessions
* Housing-goals-eligible mortgages.
** Sites reflected include KnowYourOptions.com, Here to Help, Your Own Story, and RefiNow during the time period 1/1/2021 – 11/30/2021.