{ "@type": "Dataset", "accessRights": "Public", "accrualPeriodicity": "asNeeded", "bureauCode": [ "025:00" ], "contactPoint": { "@type": "vcard:Kind", "fn": "HUD GIS Helpdesk", "hasEmail": "mailto:GIShelpdesk@hud.gov" }, "describedBy": { "@id": "https://www.arcgis.com/sharing/rest/content/items/4b9a3a33708c4771bb89dcfa0a7164f1/info/metadata/metadata.xml?format=default", "@type": "foaf:Document", "mediaType": "XML document", "title": "Source metadata" }, "description": "This dataset denotes the FHFA Conforming Loan Limits 2022. The Federal Housing Finance Agency (FHFA) is an independent regulatory agency that is not part of the Department of Housing and Urban Development (HUD). The FHFA was established by the Housing and Economic Recovery Act of 2008 (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of Fannie Mae, Freddie Mac (the Enterprises), Common Securitization Solutions, LLC (CSS), and the Federal Home Loan Bank System, which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. Conforming Loan Limits are mortgage limits set annually (as required by HERA) by the FHFA. In order for a mortgage loan to be eligible to be insured by Freddie Mac or Fannie Mae, the loan amount must be less than the loan limit. The Federal Housing Finance Agency (FHFA) is an independent regulatory agency\nthat is not part of the Department of Housing and Urban Development\n(HUD).\n\nThe FHFA was established by the Housing and Economic Recovery Act of 2008 (HERA)\nand is responsible for the effective supervision, regulation, and housing\nmission oversight of Fannie Mae, Freddie Mac (the Enterprises), Common\nSecuritization Solutions, LLC (CSS), and the Federal Home Loan Bank System,\nwhich includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of\nFinance. Since 2008, FHFA has also served as conservator of Fannie Mae and\nFreddie Mac.\n\nConforming Loan Limits are mortgage limits set annually (as required by HERA)\nby the FHFA. In order for a mortgage loan to be eligible to be insured by\nFreddie Mac or Fannie Mae, the loan amount must be less than the loan limit.\nMortgage exceeding the Conforming Loan Limit are referred to as\n\"non-conforming loans\" or \"jumbo loans.\" While most counties use a single set of Conforming Loan Limits based on the number of\nunits, high cost of living counties use higher Conforming Loan Limits. The\nFHFA analyzes year-over-year change in average home prices in October of each\nyear using the Monthly Interest Rate Survey (MIRS) to adjust the Conforming\nLoan Limits for the upcoming year.\n\nGeospatial data in this feature service uses the Census 2010 County\ngeographies.\n\nTo learn more about about the FHFA, please visit:https://www.fhfa.gov/AboutUs\n\nFor more information about FHFA Conforming Loan Limits, please visit:https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx, for questions about the spatial attribution of this dataset, please reach out to us at GISHelpdesk@hud.gov.\n\nDate of Coverage: 2022\nData Dictionary:DD_FHFA Conforming Loan Limits", "distribution": [ { "@type": "dcat:DataService", "accessURL": "https://services.arcgis.com/VTyQ9soqVukalItT/arcgis/rest/services/FHFA_Conforming_Loan_Limits/FeatureServer/4", "downloadURL": "https://services.arcgis.com/VTyQ9soqVukalItT/arcgis/rest/services/FHFA_Conforming_Loan_Limits/FeatureServer/4", 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"@type": "dcat:Distribution", "accessURL": "https://www.arcgis.com/home/item.html?id=4b9a3a33708c4771bb89dcfa0a7164f1&sublayer=4", "downloadURL": "https://www.arcgis.com/home/item.html?id=4b9a3a33708c4771bb89dcfa0a7164f1&sublayer=4", "format": "A data layer is used to access and display data in a map or scene. Layers support ready-to-use properties and settings of data services.", "mediaType": "text/html", "title": "ArcGIS Data Layer" } ], "identifier": "https://www.arcgis.com/home/item.html?id=4b9a3a33708c4771bb89dcfa0a7164f1", "issued": "2023-07-31", "keyword": [ "Boundaries", "Economy", "Governmental Units", "Location", "Society", "agency", "and Administrative and Statistical Boundaries", "federal", "federal housing finance agency", "fhfa", "finance", "housing", "indepedent", "lending", "loan" ], "landingPage": { "@id": "https://hudgis-hud.opendata.arcgis.com/datasets/HUD::fhfa-conforming-loan-limits", "@type": "Document", "title": "FHFA Conforming Loan Limits landing page" }, "modified": "2023-08-09T19:15:40.995Z", "programCode": [ "025:000" ], "publisher": { "@type": "org:Organization", "name": "Office of Policy Development and Research, GIS Helpdesk and Open Data Division", "subOrganizationOf": [ { "@type": "org:Organization", "name": "U.S. Department of Housing and Urban Development" } ] }, "rights": [ "HUD and the dataset and metadata authors assume no responsibility for the use or misuse of the dataset. No warranty, expressed or implied is made with regard to the accuracy of the spatial accuracy, and no liability is assumed by the U.S. Government in general, the dataset creators or the U.S. Department of Housing and Urban Development specifically, as to the spatial or attribute accuracy of the data." ], "spatial": { "@type": "Location", "bbox": { "coordinates": [ [ [ -179.147339, 71.390482 ], [ 179.778467, 71.390482 ], [ 179.778467, -14.548699 ], [ -179.147339, -14.548699 ], [ -179.147339, 71.390482 ] ] ], "type": "Polygon" }, "prefLabel": "United States and Minor Outlying Islands" }, "title": "FHFA Conforming Loan Limits" }