Which entity is a shareholder-owned company ensuring mortgage money is available nationwide?

The entity that is a shareholder-owned company ensuring mortgage money is available nationwide is Fannie Mae. This organization, officially known as the Federal National Mortgage Association, plays a crucial role in the U.S. housing finance system by purchasing and guaranteeing mortgages that meet its standards, thereby increasing the availability of mortgage funds for Americans.

Fannie Mae operates primarily in the secondary mortgage market, where it buys loans from lenders, allowing those lenders to reinvest the capital into more loans. This process helps to support the housing market by facilitating access to affordable mortgage financing for homebuyers.

In contrast, other entities mentioned have different roles: Freddie Mac also operates in the secondary mortgage market but is a separate agency focused on increasing the supply of mortgage money. Ginnie Mae, on the other hand, guarantees securities backed by government-insured or government-guaranteed loans but does not buy or sell loans directly. The Department of Housing and Urban Development (HUD) is the government agency responsible for national policy and programs that address America's housing needs, but it does not function as a shareholder-owned company like Fannie Mae.