Federal Home Loan Mortgage Corp
freddiemac.comFederal Home Loan Mortgage Corp, known as Freddie Mac (OTC: FMCC), is a federally chartered corporation that operates in the U.S. secondary mortgage market by purchasing single-family and multifamily mortgage loans from lenders, packaging them into mortgage-backed securities, and guaranteeing the timely payment of principal and interest on those securities. It earns money primarily through guarantee fees charged on the mortgage-backed securities it issues, as well as net interest income from its retained mortgage-related investment portfolio. Freddie Mac operates under conservatorship of the Federal Housing Finance Agency, a status in place since 2008. The company organizes its operations into two reportable segments: Single-Family and Multifamily, as disclosed in its 10-K filed February 12, 2026. Its federally chartered status and government conservatorship give it a structurally distinct position relative to fully private financial institutions in the mortgage finance market.
Products & Services
Single-family mortgage securitization and credit guarantees; multifamily mortgage securitization and credit guarantees; mortgage-related investment portfolio holdings; credit risk transfer products; mortgage purchase and pooling services for lenders.
Revenue Model
Guarantee fees on mortgage-backed securities issued to the secondary market, plus net interest income from mortgage-related and other investment portfolios held on balance sheet. Two business segments: Single-Family and Multifamily.
Customers & Markets
Primary customers are mortgage lenders and originators who sell loans into the secondary market. End markets are U.S. residential single-family housing and multifamily (apartment) housing finance.
Geographic Exposure
United States only, as a federally chartered U.S. corporation focused on the domestic residential and multifamily mortgage market.
Financial Snapshot
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