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October 23, 2018

Shining a Spotlight on Underserved Markets

The challenges of providing affordable housing are far-reaching and persistent.  Freddie Mac’s three-year Duty to Serve plan describes how we will help increase rental and homeownership opportunities in historically underserved markets and provide access to safe and affordable housing throughout the nation. 

As part of this initiative, the Freddie Mac Multifamily team will release eight reports this autumn that focus on the opportunities and challenges to providing affordable multifamily housing throughout our country. We’ve consulted numerous housing agencies, financiers and government and nonprofit organizations, and compiled extensive external and Freddie Mac internal data to prepare these papers, some of which will contain “first-ever” mapping and statistics.

And to further this initiative, we hosted a series of conference calls to address your questions on these findings and promote an ongoing dialogue with the larger housing community. You can access the podcast recordings here or contact the individuals below.


  • LIHTC in Rural Middle Appalachia
    Multifamily rental housing is rare in rural Middle Appalachia, and the existing inventory is supported by LIHTC at a much higher rate than the national average, which is attributable to the low number of non-subsidized units in the region. View the report.

  • LIHTC in Indian Areas
    Historically there has been a lack of concise data and mapping to define the boundaries of Indian Areas. To address this, we’ve analyzed FHFA and population data, and created the comprehensive maps of Indian Areas, as well as areas that are eligible for the Indian Housing Block Grant program. View the report.

  • Mixed-Income Housing in Areas of Concentrated Poverty
    Nearly 20 percent of the population lives within an area of concentrated poverty. This paper explores how mixed-income housing could help to deconcentrate poverty and promote better economic opportunity for low-income households. View the report.

  • Affordable Housing in High Opportunity Areas
    High opportunity areas account for just 7.5 percent of the country’s land but are home to over 56 million people. Our research confirms that there is a drastic shortage of affordable units and notes specific challenges for creating and preserving affordable housing in these areas. View the report.

  • Opportunity Incentives in LIHTC Qualified Allocation Plans
    State HFAs have been doing more to promote affordable housing in high opportunity areas. We’ve partnered with the National Housing Trust to complete a review of QAPs for all 50 states and the District of Columbia, and identify common indicators and trends. View the report.

  • Green Improvements in Workforce Housing
    Our Green Advantage® program was launched in 2016 and has since benefited over 367,000 units across 1,300 properties with water and energy efficiencies. In this paper, we analyze our existing green loan portfolio and provide insights into cost-effective green practices.View the report.
    Green Advantage Dataset Overview
    Green Advantage Dataset

  • Tenant Protections in Manufactured Housing Communities
    Manufactured Housing Communities are home for nearly 7 million households across the country. In this paper, we provide a comprehensive review of the degree to which these households are covered by certain tenant protections under state law, and what tenant protections might be voluntarily adopted by owner/operators.View the report.

  • Single Family Rental: An Evolving Market
    The single-family rental market provides housing to more than 22 million households – more than half of all renters – and is valued at more than $4 trillion. SFRs also play an important role in rural areas where they account for two-thirds of the rental housing stock. View the report.

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