Company: FMCCN
Filing Date: 2025-10-30
Form Type: 10-Q
Source: 0001026214-25-000116
Chunk: 176

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-10-30
Form: 10-Q
Item: Item 1
Chunk 176
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Q 20253Q 2024YTD 2025YTD 2024Single-Family loans$10,376 $9,776 ($65)($59)($189)($151)Multifamily loans530 431 — — (3)(1)

Credit QualitySingle-FamilyThe 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 table below presents 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 3Q 2025 Form 10-Q55

Financial Statements                         Notes to the Condensed Consolidated Financial Statements | Note 3

Table 3.6 - Amortized Cost Basis of Single-Family Held-for-Investment Loans by Current LTV Ratio and VintageSeptember 30, 2025Year of Origination Total(In millions)20252024202320222021PriorCurrent LTV ratio:  20- and 30-year or more, amortizing fixed-rate≤ 60$31,201 $49,491 $40,479 $111,301 $557,772 $954,964 $1,745,208 > 60 to 8077,774 117,879 99,438 169,173 192,354 44,321 700,939 > 80 to 9042,573 68,018 56,412 47,015 9,745 1,120 224,883 > 90 to 100 57,901 61,175 18,500 11,044 1,253 255 150,128 > 100441 2,346 1,751 1,683 119 81 6,421   Total 20- and 30-year or more, amortizing fixed-rate209,890 298,909 216,580 340,216 761,243 1,000,741 2,827,579   Current-year gross charge-offs(1)— 12 29 55 47