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National Mortgage Database ProgramThe National Mortgage Database (NMDB®) [1] program is jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). This program is designed to provide a rich source of information about the U.S. mortgage market. It has three primary components:
The NMDB program enables FHFA to meet the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, to conduct a monthly mortgage market survey. Specifically, FHFA must, through a survey of the mortgage market, collect data on the characteristics of individual mortgages, including those eligible for purchase by Fannie Mae and Freddie Mac and those that are not, and including subprime and nontraditional mortgages. In addition, FHFA must collect information on the creditworthiness of borrowers, including a determination of whether subprime and nontraditional borrowers would have qualified for prime lending. [4]
For CFPB, the NMDB program supports policymaking and research efforts and helps identify and understand emerging mortgage and housing market trends. CFPB uses the NMDB, among other purposes, in support of the market monitoring called for by the Dodd-Frank Wall Street Reform and Consumer Protection Act, including understanding how mortgage debt affects consumers and for retrospective rule review required by the statute.
No information on borrower names, addresses, Social Security numbers, or dates of birth is ever used or stored by FHFA or CFPB as part of the NMDB program. Furthermore, safeguards are in place to ensure that information in the database is not used to identify individual borrowers or lenders and is handled in full accordance with federal privacy laws and the Fair Credit Reporting Act (FCRA).
The National Mortgage Database (NMDB) is the first component of the National Mortgage Database program. NMDB is updated quarterly for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States.
The purpose of NMDB is to inform and educate FHFA, CFPB and other federal agencies about lending products and mortgage market health. The database is comprehensive, and there are many possibilities for how it may be used. Some examples include:
The NMDB assembles credit, administrative, servicing, and property data for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. The database includes the following information:
The National Survey of Mortgage Originations (NSMO) is the second component of the National Mortgage Database program. The NSMO is conducted quarterly and is jointly sponsored by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB).
The purpose of the NSMO is to collect voluntary feedback directly from mortgage borrowers about their experience obtaining a mortgage. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers’ experiences taking out a mortgage. The data will help shape policies in the future to better protect consumers.
If you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers.
If you obtained a mortgage to purchase or refinance either a personal home or a home for someone else (such as a rental property), we would like to know more about your experience in obtaining that mortgage. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers.
This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.
The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys.
We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey.
For those who have been selected to be a part of the survey, it can be completed online. Go to www.NSMOsurvey.com and enter your personal PIN number that was included in the letter mailed to you.
If you have any questions about this survey, please feel free to call us at 1-855-531-0724. We look forward to hearing from you.
The American Survey of Mortgage Borrowers (ASMB) is the third component of the National Mortgage Database program. The ASMB is conducted annually and is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB).
The purpose of the ASMB is to collect voluntary feedback directly from mortgage borrowers about their experience with their mortgage and property. ASMB respondents are representative of the overall population of borrowers with a mortgage loan, including those who recently took out a loan and those who have had their loan for multiple years. The feedback collected by the ASMB includes information about a range of topics related to maintaining a mortgage and property, such as borrowers’ experiences with managing their mortgage, responding to financial stressors, insuring against risks, seeking assistance from federally-sponsored programs and other sources, and terminating a mortgage loan. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers' experiences maintaining a mortgage. The data will help shape policies in the future to better protect consumers.
If you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers.
If you have or recently had a mortgage on a personal home or a home for someone else (such as a rental property), we would like to know more about your experiences with your mortgage and with property ownership. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers.
This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.
The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys.
We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey.
For those who have been selected to be a part of the survey, it can be completed online. Go to www.ASMBsurvey.com and enter your personal PIN number that was included in the letter mailed to you.
If you have any questions about this survey, please feel free to call us at 855-339-7877. We look forward to hearing from you.
