Company: FMCCN
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0001026214-25-000040
Chunk: 229

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-02-13
Form: 10-K
Item: Item 15
Chunk 229
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-Family:20- and 30-year or more, amortizing fixed-rate$12,682 $9,307 $256 15-year or less, amortizing fixed-rate519 427 7 Adjustable-rate and other257 361 5 Total Single-Family13,458 10,095 268 Total Multifamily64 42 3 Total Single-Family and Multifamily$13,522 $10,137 $271 (1)Excludes amounts related to loans for which we have elected the fair value option.(2)Represents the amount of payments received during the period, including those received while the loans were on accrual status, for the held-for-investment loans on non-accrual status as of period end.

The table below provides the amount of accrued interest receivable presented on our consolidated balance sheets and the amount of accrued interest receivable related to loans on non-accrual status at the end of the periods that was charged off.Table 4.5 - Accrued Interest Receivable and Related Charge-offs Accrued Interest ReceivableAccrued Interest Receivable Related Charge-offs(In millions)December 31, 2024December 31, 2023Year Ended December 31, 2024Year Ended December 31, 2023Single-Family loans$9,776 $8,833 ($223)($232)Multifamily loans431 287 (1)(2)

Credit QualitySingle-Family The current LTV ratio is one key factor we consider when estimating our allowance for credit losses for single-family loans. As current LTV ratios increase, the borrower's equity in the home decreases, which may negatively affect the borrower's ability to refinance or to sell the property for an amount at or above the balance of the outstanding loan. The tables below present the amortized cost basis of single-family held-for-investment loans by current LTV ratio. Our current LTV ratios are estimates based on available data through the end of each period presented. 

FREDDIE MAC  |  2024 Form 10-K153

Financial StatementsNotes to Consolidated Financial Statements | Note 4

Table 4.6 - Amortized Cost Basis of Single-Family Held-for-Investment Loans by Current LTV Ratio and VintageDecember 31, 2024Year of Origination Total(In millions)20242023202220212020PriorCurrent LTV ratio:  20-