Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Credit Loss [Abstract]

Table - Details of the Allowance for Credit Losses

The table below summarizes changes in our allowance for credit losses.

Table 6.1 - Details of the Allowance for Credit Losses

	December 31, 2025			December 31, 2024			December 31, 2023
(In millions)	Single-Family	Multifamily	Total	Single-Family	Multifamily	Total	Single-Family	Multifamily	Total
Beginning balance	$6,691	$548	$7,239	$6,402	$447	$6,849	$7,746	$147	$7,893
Provision (benefit) for credit losses	758	532	1,290	374	102	476	(1,172)	300	(872)
Charge-offs	(478)	(126)	(604)	(511)	(2)	(513)	(643)	—	(643)
Recoveries collected	149	2	151	115	—	115	144	—	144
Other(1)	429	—	429	311	1	312	327	—	327
Ending balance	$7,549	$956	$8,505	$6,691	$548	$7,239	$6,402	$447	$6,849
Components of the ending balance of the allowance for credit losses:
Mortgage loans held-for-investment	$7,297	$671	$7,968	$6,381	$393	$6,774	$6,057	$326	$6,383
Other(2)	252	285	537	310	155	465	345	121	466
Total ending balance	$7,549	$956	$8,505	$6,691	$548	$7,239	$6,402	$447	$6,849

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

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