Federal National Mortgage Association
FNMAM
Other OTC13.15
USD
-0.05
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Federal National Mortgage Association
FNMAM
(Other OTC)
Recent
price
13.15
P/E
ratio
- -
div
yld
- -
ROIC.AI
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- Business
- Federal National Mortgage Association (Fannie Mae) (OTCQB: FNMA) operates as a government-sponsored enterprise that provides liquidity, stability and affordability to the U.S. housing market by purchasing residential mortgage loans originated by lenders, securitizing them into mortgage-backed securities (MBS), and guaranteeing timely principal and interest payments to investors; it operates through Single-Family and Multifamily segments, with the Single-Family business supporting financing for one- to four-unit properties via products including HomeReady low-down-payment mortgages with income flexibilities and $2,500 credits for very low-income first-time homebuyers effective March 2025, HFA Preferred paired with housing finance agencies, 97% loan-to-value options, HomeStyle Renovation for repairs and improvements, HomeStyle Energy for efficiency upgrades, construction products, accessory dwelling unit financing, manufactured housing including MH Advantage, Native American lending, down payment assistance, shared equity programs, and RefiNow refinances; the Multifamily business finances properties with five or more units including low-income housing tax credit investments with a 2025 annual limit increased to $2 billion, while both segments involve mortgage acquisitions, securitizations such as lender swaps and structured transactions, credit risk management via underwriting standards and transfers including Connecticut Avenue Securities, Credit Insurance Risk Transfer, mortgage insurance and lender risk-sharing covering 47% of single-family and 99% of multifamily guaranty books as of September 30, 2025, and credit enhancements for state housing authority bonds. Fannie Mae, founded in 1938 and headquartered at 1100 15th Street NW in Washington, DC, supports homebuyers, refinancers, homeowners and renters nationwide, holding or guaranteeing an estimated 25% of single-family and 21% of multifamily mortgage debt outstanding as of June 30, 2025, with a $4.1 trillion guaranty book, $4.3 trillion in total assets, and $287 billion in third-quarter 2025 funding that enabled financing for about 401,000 home purchases, refinances and rental units including over 80% low-income renters in multifamily. In recent developments, Fannie Mae reported third-quarter 2025 net income of $3.9 billion and net worth of $105.5 billion up from $101.6 billion in the second quarter amid stable $7.3 billion net revenues driven by guaranty fees at 48.5 basis points average for single-family and 72.4 for multifamily, single-family acquisition volume rising to $90.4 billion with $72 billion in purchases where first-time buyers comprised half, multifamily acquisitions increasing to $18.7 billion pushing the book to $521.3 billion, FHFA setting 2025 multifamily loan purchase caps at $73 billion each for Fannie Mae and Freddie Mac with 50% mission-driven minimum and workforce housing exemptions amid over $4.5 billion financed through third-quarter 2024, and publishing 2025 Dodd-Frank stress test results demonstrating resilience while meeting most 2024 housing goals.