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FHA does not make mortgage loans directly, but rather insures loans made by private lenders to homebuyers.
Information about who originates, holds, purchases, or insures a mortgage in a given year is available from HMDA in combination with PMI data.
Sallie Mae currently owns about 75 percent of the approximately $800 million of loans HICA insures today, most of which have been made to students attending graduate and professional institutions.
Upon a complete evaluation of these risks, a corporation's management may make the ultimate decision to insure some or all of these risks in a captive.