Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 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 September 30,				For the Nine Months Ended September 30,
	2025		2024		2025		2024
	(Dollars in millions)
Single-family allowance for loan losses:
Beginning balance	$	(5,777)	$	(5,703)	$	(5,319)	$	(6,671)
(Provision) benefit for loan losses	(269)		409		(992)		1,278
Write-offs	238		231		588		487
Recoveries	(47)		(23)		(132)		(180)
Ending balance	$	(5,855)	$	(5,086)	$	(5,855)	$	(5,086)
Multifamily allowance for loan losses:
Beginning balance	$	(2,470)	$	(2,323)	$	(2,388)	$	(2,059)
(Provision) benefit for loan losses	(63)		(423)		(267)		(825)
Write-offs	167		224		350		395
Recoveries	(25)		(48)		(86)		(81)
Ending balance	$	(2,391)	$	(2,570)	$	(2,391)	$	(2,570)
Total allowance for loan losses:
Beginning balance	$	(8,247)	$	(8,026)	$	(7,707)	$	(8,730)
(Provision) benefit for loan losses	(332)		(14)		(1,259)		453
Write-offs	405		455		938		882
Recoveries	(72)		(71)		(218)		(261)
Ending balance	$	(8,246)	$	(7,656)	$	(8,246)	$	(7,656)