"Freddie Mac strengthened its financial position in 2025, earning net income of $10.7 billion on revenue of $23.3 billion and increasing its net worth to $70.4 billion, CEO Kenny Smith said in a statement. We helped more than 1.7 million families buy, refinance, or rent a home with the majority 53% of single-family dwellings and 93% of rental units affordable to low- and moderate-income households."
"During the GSE's earnings call on Thursday morning, executive vice president and chief financial officer Jim Whitlinger said that 2025 marked the third consecutive year in which first-time homebuyers accounted for more than half (51%) of all Freddie Mac loan purchases. First-time buyers were 50% of purchase loan business in the fourth quarter. Whitlinger also said 2025 was the third straight year of net income and comprehensive income above $10 billion and revenue above $21 billion for the GSE."
Freddie Mac reported a fourth-quarter 2025 profit of $2.8 billion, down 14% year-over-year as lower non-interest income offset growth in net interest income. Net worth rose to $70.4 billion at Dec. 31, 2025, from $59.6 billion a year earlier. Full-year net income totaled $10.7 billion on revenue of $23.3 billion. The company assisted more than 1.7 million families buy, refinance, or rent homes, with 53% of single-family homes and 93% of multifamily units affordable to low- and moderate-income households. First-time homebuyers represented 51% of loan purchases in 2025 (50% in Q4). Automated underwriting improvements qualified over 250,000 additional borrowers and reduced average loan costs by $1,700.
#freddie-mac #2025-financial-results #affordable-housing #first-time-homebuyers #automated-underwriting
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