Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Financing Receivable, Allowance for Credit Loss

The following table displays changes in our allowance for single-family loans, multifamily loans and total allowance for loan losses.

	For the Three Months Ended June 30,				For the Six Months Ended June 30,
	2025		2024		2025		2024
	(Dollars in millions)
Single-family allowance for loan losses:
Beginning balance	$	(5,178)	$	(6,275)	$	(5,319)	$	(6,671)
(Provision) benefit for loan losses	(707)		530		(723)		869
Write-offs	161		141		350		256
Recoveries	(53)		(99)		(85)		(157)
Ending balance	$	(5,777)	$	(5,703)	$	(5,777)	$	(5,703)
Multifamily allowance for loan losses:
Beginning balance	$	(2,354)	$	(2,104)	$	(2,388)	$	(2,059)
(Provision) benefit for loan losses	(205)		(245)		(204)		(402)
Write-offs	122		38		183		171
Recoveries	(33)		(12)		(61)		(33)
Ending balance	$	(2,470)	$	(2,323)	$	(2,470)	$	(2,323)
Total allowance for loan losses:
Beginning balance	$	(7,532)	$	(8,379)	$	(7,707)	$	(8,730)
(Provision) benefit for loan losses	(912)		285		(927)		467
Write-offs	283		179		533		427
Recoveries	(86)		(111)		(146)		(190)
Ending balance	$	(8,247)	$	(8,026)	$	(8,247)	$	(8,026)