Company: FMCCN
Filing Date: 2025-07-31
Form Type: 10-Q
Source: 0001026214-25-000086
Chunk: 132

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-07-31
Form: 10-Q
Item: Item 1
Chunk 132
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0.21 %0.46 %0.21 %Non-accrual loans to total loans outstanding0.52 0.19 0.51 0.51 0.15 0.50 Allowance for credit losses to non-accrual loans44.95 275.42 47.48 40.11 314.40 42.25 Balances:Allowance for credit losses on mortgage loans held-for-investment$7,236 $493 $7,729 $6,381 $393 $6,774 Total loans outstanding(2)3,114,973 95,306 3,210,279 3,092,137 84,554 3,176,691 Non-accrual loans(2)16,098 179 16,277 15,908 125 16,033 

(1)Represents allowance for credit losses on mortgage loans held-for-investment.

(2)Based on amortized cost basis of mortgage loans held-for-investment for which we have not elected the fair value option.

Freddie Mac 2Q 2025 Form 10-Q20

Management's Discussion and AnalysisRisk Management

Single-Family Mortgage Credit Risk

Maintaining Prudent Eligibility Standards and Quality Control Practices and Managing Seller/Servicer Performance

Loan Purchase Credit Characteristics

We monitor and evaluate market conditions that could affect the credit quality of our single-family loan purchases. Additionally, when managing our new acquisitions, we consider our risk limits and guidance from FHFA and capital requirements under the ERCF. This may affect the volume and characteristics of our loan acquisitions.

The charts below show the credit profile of the single-family loans we purchased.

Weighted Average Original LTV Ratio                                                                                                             Weighted Average Original Credit Score(1)(1)Weighted average original credit score is generally based on three credit bureaus (Equifax, Experian, and TransUnion).Weighted Average Original DTI Ratio

Freddie Mac 2Q 2025 Form 10-Q21

Management's Discussion and AnalysisRisk Management

The table below contains additional information about the single-family loans we purchased.

Table 15 - Single-Family New Business Activity 2Q 20252Q 2024YTD 2025YTD 2024(Dollars in millions)Amount% of TotalAmount% of TotalAmount% of TotalAmount% of Total20- and 30