Company: FMCCN
Filing Date: 2025-10-30
Form Type: 10-Q
Source: 0001026214-25-000116
Chunk: 134

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-10-30
Form: 10-Q
Item: Item 1
Chunk 134
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3,045,392$62,495$3,107,887 Net charge-offs to average loans outstanding— %0.10 %0.01 %— %— %— %0.01 %0.12 %0.01 %0.01 %— %0.01 %Components of ending balance of allowance for credit losses:Mortgage loans held-for-investment$7,383 $507 $7,890 $6,392 $345 $6,737 Other(3)281 196 477 305 150 455 Total ending balance$7,664 $703 $8,367 $6,697 $495 $7,192 

(1)Primarily includes capitalization of past due interest related to non-accrual loans that received payment deferral plans and loan modifications.

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

(3)Includes allowance for credit losses related to advances of pre-foreclosure costs and off-balance sheet credit exposures.

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