Earnings summaries and quarterly performance for FEDERAL HOME LOAN MORTGAGE.
Research analysts covering FEDERAL HOME LOAN MORTGAGE.
Recent press releases and 8-K filings for FMCC.
Freddie Mac Reports Mortgage Rates Drop to Lowest Level Since September 2022
FMCC
- The 30-year fixed-rate mortgage (FRM) averaged 6.01% as of February 19, 2026, a decrease from 6.09% last week and 6.85% a year ago.
- The 15-year FRM averaged 5.35% as of February 19, 2026, down from 5.44% last week and 6.04% a year ago.
- Freddie Mac's Chief Economist, Sam Khater, noted that this lower rate environment is improving affordability for prospective homebuyers and strengthening the financial position of homeowners, with refinance application activity more than doubling over the past year.
Feb 19, 2026, 5:00 PM
Adamas Trust, Inc. Reports Strong Fourth Quarter and Full Year 2025 Results
FMCC
Earnings
Dividends
Share Buyback
- Adamas Trust, Inc. reported net income attributable to common stockholders of $41.6 million for Q4 2025 and $101.1 million for the full year 2025.
- Earnings Available for Distribution (EAD) per common share were $0.23 for Q4 2025 and $0.89 for the full year 2025, with quarterly EAD increasing by 44% over the year.
- The company expanded its investment portfolio by $3.1 billion and completed the strategic acquisition of Constructive in 2025.
- Adamas increased its common stock dividend by 15% over the year to $0.23 per common share for the final two quarters of 2025 and extended its common stock repurchase program, with $188.2 million remaining available as of February 16, 2026.
Feb 18, 2026, 9:06 PM
Freddie Mac Reports Strong Full Year 2025 Financial Results
FMCC
Earnings
New Projects/Investments
- Freddie Mac achieved net income of $10.7 billion and comprehensive income of $10.8 billion for full year 2025, with net revenues of $23.3 billion. This marks the third consecutive year of net income and comprehensive income above $10 billion and revenue above $21 billion.
- For the fourth quarter of 2025, net income was $2.8 billion, a decrease from $3.2 billion in the prior year quarter, primarily due to lower net revenues.
- The company's net worth grew to $70.4 billion at year-end 2025, an 18% increase from 2024, and its total mortgage portfolio expanded by 2% year-over-year to $3.7 trillion.
- Freddie Mac provided $465 billion of liquidity in 2025, supporting over 1.7 million American families, with first-time homebuyers accounting for over 51% of single-family primary residences financed.
- A strategic shift in the multifamily business towards predominantly fully guaranteed securitizations is anticipated to reduce market and fair value-driven earnings volatility and generate a more stable and higher stream of guaranteed net interest income.
Feb 12, 2026, 2:00 PM
Freddie Mac Announces Strong Full Year 2025 Financial Results
FMCC
Earnings
Guidance Update
New Projects/Investments
- Freddie Mac reported full year 2025 net income of $10.7 billion and comprehensive income of $10.8 billion on net revenues of $23.3 billion, marking its third consecutive year of net income and comprehensive income above $10 billion and revenue above $21 billion.
- For Q4 2025, net income was $2.8 billion, a decrease from $3.2 billion in Q4 2024, primarily due to lower net revenues.
- Net interest income for full year 2025 increased 8% to $21.4 billion, driven by mortgage portfolio growth and lower funding costs, while non-interest income decreased 55% due to a shift to net investment losses.
- The company's net worth grew 18% to $70.4 billion at year-end 2025.
- A significant strategic shift occurred in the multifamily business, moving to predominantly fully guaranteed securitizations to reduce market and fair value-driven earnings volatility and generate a more stable and higher stream of guaranteed net interest income.
Feb 12, 2026, 2:00 PM
Freddie Mac Reports Strong Full Year 2025 Financial Results and Strategic Shift
FMCC
Earnings
New Projects/Investments
- Freddie Mac reported net income of $10.7 billion and comprehensive income of $10.8 billion on net revenues of $23.3 billion for full year 2025, marking its third consecutive year of net income and comprehensive income above $10 billion and revenue above $21 billion.
- For full year 2025, net interest income increased 8% to $21.4 billion, while non-interest income decreased 55% to $1.9 billion due to a shift to net investment losses. The provision for credit losses increased by $814 million to $1.3 billion, driven by credit reserve builds and changes in house price forecasts.
- The total mortgage portfolio grew 2% year-over-year to $3.7 trillion at year-end 2025, with Freddie Mac maintaining leading market shares of 54% in single-family and 51% in multifamily new business.
- The company's net worth increased 18% to $70.4 billion at year-end 2025.
- Freddie Mac implemented a strategic shift in its multifamily business to focus predominantly on fully guaranteed securitizations, aiming to reduce earnings volatility and generate a more stable stream of guaranteed net interest income.
Feb 12, 2026, 2:00 PM
Freddie Mac Reports Q4 2025 Financial Results
FMCC
Earnings
Demand Weakening
New Projects/Investments
- Freddie Mac reported net revenues of $5.8 billion for the fourth quarter of 2025, a 9% decrease year-over-year, primarily due to lower non-interest income. Net income for Q4 2025 was $2.8 billion, representing a 14% decrease year-over-year.
- The total mortgage portfolio increased 2% year-over-year to $3.652 trillion as of December 31, 2025, driven by a 2% increase in the Single-Family mortgage portfolio and a 6% increase in the Multifamily mortgage portfolio.
- As of December 31, 2025, Freddie Mac's net worth stood at $70.4 billion. Cumulative draws from Treasury were $71.6 billion, while cumulative dividend payments to Treasury totaled $119.7 billion.
- The 30-year mortgage rate decreased to 6.15% as of December 31, 2025, down from 6.85% at December 31, 2024.
Feb 12, 2026, 2:00 PM
Freddie Mac Reports Q4 and Full-Year 2025 Financial Results
FMCC
Earnings
- Freddie Mac reported net income of $2.8 billion for the fourth quarter of 2025, a 14% decrease year-over-year, and $10.7 billion for full-year 2025, a 10% decrease year-over-year.
- Net revenues for Q4 2025 were $5.8 billion, down 9% year-over-year, and $23.3 billion for full-year 2025, down 3% year-over-year.
- The decrease in net income and net revenues was primarily driven by lower non-interest income, partially offset by higher net interest income.
- The company's net worth increased to $70.4 billion as of December 31, 2025.
Feb 12, 2026, 1:00 PM
Onity Group Announces Record Full Year and Strong Fourth Quarter 2025 Results
FMCC
Earnings
Guidance Update
Share Buyback
- Onity Group reported record full-year 2025 net income of $185 million and diluted EPS of $21.46, with total GAAP revenue increasing 9% to $1.1 billion compared to FY 2024.
- For the fourth quarter of 2025, the company achieved net income of $126 million and diluted EPS of $14.24.
- The company's book value per share increased to $74 as of December 31, 2025, and it announced a $10 million share repurchase program.
- Onity Group provided a 2026 outlook with an adjusted ROE guidance range of 13% – 15% and servicing UPB growth of 5% – 15%.
Feb 12, 2026, 11:45 AM
Freddie Mac Reports U.S. Mortgage Market Activity and Rental Trends
FMCC
Demand Weakening
- U.S. long-term mortgage rates are around 6.1%, near three-year lows, and have recently inched up, coinciding with increased purchase and refinance demand versus a year earlier.
- Freddie Mac's Chief Economist Sam Khater noted that lower mortgage rates combined with strong income growth have driven a steady increase in purchase applications and more homeowners refinancing.
- The 15-year fixed-rate mortgage rose to an average of 5.49% (from 5.44% the prior week), which is still notably below the 6.12% average from a year earlier.
- U.S. apartment rents continue to fall, with the national median rent at $1,353 in January, a record-high vacancy rate of 7.3%, and slower leasing velocity.
Jan 29, 2026, 3:57 PM
Freddie Mac Reports Mortgage Rates Drop to Multi-Year Lows
FMCC
- As of January 15, 2026, the 30-year fixed-rate mortgage (FRM) averaged 6.06%, marking its lowest level in over three years. This rate is down from 6.16% last week and 7.04% a year ago.
- The 15-year FRM also decreased, averaging 5.38%, down from 5.46% last week and 6.27% a year ago.
- Freddie Mac's Chief Economist, Sam Khater, noted that the drop in rates has led to a jump in weekly purchase applications and refinance activity, indicating improving housing activity and a positive outlook for the spring sales season.
Jan 15, 2026, 5:00 PM
Quarterly earnings call transcripts for FEDERAL HOME LOAN MORTGAGE.
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