; and (B) any new construction of single-family housing (other than manufactured homes) subject to mortgages insured, guaranteed, or made by the Secretary of Agriculture under title V of the Housing Act of 1949 ( 42 U.S.C. 1471 et seq.). 4. Enhanced energy efficiency underwriting (a) Definitions In this section: (1) Covered agency The term covered agency — (A) means— (i) an executive agency, as that term is defined in section 102 of title 31, United States Code; and (ii) any other agency of the Federal Government; and (B) includes each enterprise, as that term is defined under section 1303 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 ( 12 U.S.C. 4502 ). (2) Covered loan The term covered loan means a loan secured by a home that is issued, insured, purchased, or securitized by a covered agency. (3) Homeowner The term homeowner means the mortgagor under a covered loan. (4) Mortgagee The term mortgagee means— (A) an original lender under a covered loan or the holder of a covered loan at the time at which that mortgage transaction is consummated; (B) any affiliate, agent, subsidiary, successor, or assignee of an original lender under a covered loan or the holder of a covered loan at the time at which that mortgage transaction is consummated; (C) any servicer of a covered loan