Company: FMCCN
Filing Date: 2025-10-30
Form Type: 10-Q
Source: 0001026214-25-000116
Chunk: 17

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-10-30
Form: 10-Q
Item: Item 14
Chunk 17
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Table 14 - Allowance for Credit Losses Ratios

September 30, 2025December 31, 2024(Dollars in millions) Single-FamilyMultifamilyTotalSingle-FamilyMultifamilyTotalAllowance for credit losses ratios:Allowance for credit losses(1) to total loans outstanding 0.24 %0.43 %0.24 %0.21 %0.46 %0.21 %Non-accrual loans to total loans outstanding0.51 0.22 0.50 0.51 0.15 0.50 Allowance for credit losses to non-accrual loans45.82 197.28 48.19 40.11 314.40 42.25 Balances:Allowance for credit losses on mortgage loans held-for-investment$7,383 $507 $7,890 $6,381 $393 $6,774 Total loans outstanding(2)3,130,272 119,215 3,249,487 3,092,137 84,554 3,176,691 Non-accrual loans(2)16,114 257 16,371 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 3Q 2025 Form 10-Q20

Management's Discussion and AnalysisRisk Management

n 3Q 2025 vs. 3Q 2024 and YTD 2025 vs. YTD 2024 - The increase in charge-offs was primarily driven by a pool of Multifamily senior housing loans during 3Q 2025.

n September 30, 2025 vs. December 31, 2024 - The balance of non-accrual loans increased 2% primarily driven by the loans in the Multifamily senior housing pool that were placed on non-accrual status and the 1% increase in the balance of non-accrual loans in Single-Family.

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