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  "slug": "federal-home-loan-mortgage-corp",
  "name": "FEDERAL HOME LOAN MORTGAGE CORP",
  "updatedAt": "2026-10-02T12:21:36.455932Z",
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      "type": "OVERVIEW",
      "text": "Federal Home Loan Mortgage Corporation (Freddie Mac) is a congressionally chartered government-sponsored enterprise that operates in the U.S. secondary mortgage market. It buys residential mortgage loans from lenders and supports mortgage funding by securitizing loans and guaranteeing mortgage-related securities; it does not originate mortgages or lend directly to borrowers. Its core markets are single-family housing and multifamily rental housing in the United States. [P85061772][https://www.freddiemac.com/about/business]\n\nFreddie Mac’s public-purpose mission is to provide liquidity, stability, and affordability to the U.S. housing market. Chartered in 1970, it reported $23.3 billion in revenue for fiscal year 2025. [P85061772][T5437293][D275409]\n[P85061772][T5437293][D275409][https://www.freddiemac.com/about/business]",
      "updatedAt": "2026-10-02T12:21:36.455932Z"
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      "type": "PRODUCTS",
      "text": "Freddie Mac’s single-family mortgage products include long-term fixed-rate, shorter-term fixed-rate and adjustable-rate loans. In its year-to-date 2026 purchase mix, 90% of purchase amount was 20- or 30-year amortizing fixed-rate loans, 6% shorter-term fixed-rate loans and 4% adjustable-rate loans. Home Possible offers eligible borrowers down payments as low as 3% and flexible funding sources; HomeOne offers a 3%-down option for qualified first-time buyers and no-cash-out refinances. CHOICERenovation can finance eligible renovation costs with a purchase or refinance loan, while CHOICEHome supports eligible manufactured homes. [P144635049][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/home-possible][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/home-one][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/choicerenovation][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/choicehome-mortgages]\n\nFor multifamily borrowers, Freddie Mac’s Optigo offerings include fixed- and floating-rate conventional loans, small-balance loans, forward commitments and supplemental loans, as well as financing for seniors housing, student housing and manufactured-housing communities. Fixed-rate borrowers can lock the Treasury-index component during quoting or underwriting; most index-lock periods are 60 days. Freddie Mac also provides loan-modification options that may change payment timing, interest rate or loan term, with modifications generally requiring a trial period of at least three months. [https://mf.freddiemac.com/financing][https://mf.freddiemac.com/financing/conventional][P26348898][P120860013]\n[P144635049][P26348898][P120860013][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/home-possible][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/home-one][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/choicerenovation][https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/choicehome-mortgages][https://mf.freddiemac.com/financing][https://mf.freddiemac.com/financing/conventional]",
      "updatedAt": "2026-10-02T12:21:36.455932Z"
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    {
      "type": "GEOGRAPHY",
      "text": "Freddie Mac operates in the United States and its territories; it reports no revenue or non-financial-instrument long-lived assets outside those geographies. Its mortgage portfolio is also concentrated in U.S. regions; the percentages below are shares of unpaid principal balance (UPB), not revenue. In single-family, UPB is distributed across the West (29%), Northeast (23%), Southeast (18%), Southwest (15%) and North Central (15%). [P37234994][T13728121] In multifamily, the shares are Northeast (25%), West (23%), Southeast (21%), Southwest (20%) and North Central (11%). [T1307008]\n\nBy state, single-family UPB includes California (16%), Texas (7%), Florida (7%), New York (4%) and Illinois (4%); all other states account for 62%. [T13728121] Multifamily UPB includes California (13%), Texas (12%), Florida (9%), New York (8%) and Georgia (4%); all other states account for 54%. [T1307008] As of January 31, 2026, Freddie Mac had 7,334 full-time and 21 part-time employees and was headquartered in McLean, Virginia; its principal offices are four owned buildings there totaling about 1.3 million square feet. [P31112900][P37234994] Its listed regional office locations include Chicago, Plano/Dallas, Irvine and Jersey City. [https://www.freddiemac.com/about/contact-us]\n[P37234994][T13728121][T13728121][T13728121][T13728121][T13728121][T1307008][T1307008][T1307008][T1307008][T1307008][T13728121][T13728121][T13728121][T13728121][T13728121][T13728121][T1307008][T1307008][T1307008][T1307008][T1307008][T1307008][P31112900][P37234994][https://www.freddiemac.com/about/contact-us][https://www.freddiemac.com/about/contact-us]",
      "updatedAt": "2026-10-02T12:21:36.455932Z"
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    {
      "type": "SEGMENTS",
      "text": "Freddie Mac reports two business segments: **Single-Family** and **Multifamily** [P24364395]. Single-Family purchases, securitizes and guarantees single-family loans, invests in single-family loans and mortgage-related securities, and manages related mortgage credit and market risk; its reported results also include unallocated Treasury-function results [T3408339]. Multifamily purchases, securitizes and guarantees multifamily loans, invests in multifamily loans and mortgage-related securities, and manages related mortgage credit and market risk [T3408339].\n\nFor the year ended December 31, 2025, Single-Family generated $19.859 billion of net revenues and $9.198 billion of net income, while Multifamily generated $3.412 billion and $1.533 billion, respectively [T2584522]. Based on those reported figures, Single-Family contributed approximately 85.3% of total net revenues and 85.7% of net income; Multifamily contributed approximately 14.7% and 14.3%, respectively [T2584522].\n[P24364395][T3408339][T2584522][T2584522][T2584522][T2584522]",
      "updatedAt": "2026-10-02T12:21:36.455932Z"
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    {
      "type": "HISTORY",
      "text": "Congress chartered the Federal Home Loan Mortgage Corporation in 1970 under the Emergency Home Finance Act. In 1971, Freddie Mac issued its first mortgage-backed participation certificates and began its Primary Mortgage Market Survey. [P12646397][https://www.sec.gov/news/studies/mortgagebacked.htm][https://www.freddiemac.com/pmms/pmms_archives]\n\nIn 1989, amendments to its charter created Voting Common Stock. [https://www.freddiemac.com/investors/faq] On September 6, 2008, the Federal Housing Finance Agency placed Freddie Mac into conservatorship. [P83261400] In 2019, Freddie Mac began issuing Uniform Mortgage-Backed Securities, marking a major change in the agency mortgage-securities market. [https://sf.freddiemac.com/docs/pdf/other/ss_at_a_glance.pdf]\n[P12646397][https://www.sec.gov/news/studies/mortgagebacked.htm][https://www.freddiemac.com/pmms/pmms_archives][https://www.freddiemac.com/investors/faq][P83261400][https://sf.freddiemac.com/docs/pdf/other/ss_at_a_glance.pdf][https://www.sec.gov/news/studies/mortgagebacked.htm][https://www.freddiemac.com/pmms/pmms_archives][https://www.freddiemac.com/investors/faq][https://sf.freddiemac.com/docs/pdf/other/ss_at_a_glance.pdf]",
      "updatedAt": "2026-10-02T12:21:36.455932Z"
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