{"product_id":"freddiemac-business-model-canvas","title":"Freddie Mac Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac Business Model Canvas - Actionable Blueprint for Investors \u0026amp; Strategists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore a concise Business Model Canvas that reveals how Freddie Mac sustains liquidity and expands access to homeownership-mapping core value propositions, key partners, funding and revenue streams, and principal risk drivers so you can see how the GSE operates and scales in the secondary mortgage market.\u003c\/p\u003e\n\u003cp\u003eThis downloadable, editable Canvas (Word \u0026amp; Excel) equips investors, consultants, and strategists with a ready-to-use tool to benchmark performance, streamline due diligence, surface policy and market opportunities, and turn insights into actionable recommendations-download the full version to examine all nine blocks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePrimary Mortgage Lenders and Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac partners with a broad network of commercial banks, credit unions, and non-bank mortgage originators who supply loans that meet Freddie Mac's underwriting standards, enabling purchase and pooling into securities.\u003c\/p\u003e\n\u003cp\u003eIn 2025 these partnerships supported over 1.7 million families and helped deliver $465 billion in liquidity, crucial for secondary-market stability and mortgage credit flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOptigo Lender Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Optigo Lender Network is a select group of lenders that partner with Freddie Mac to finance multifamily properties, and in 2025 Freddie Mac's Multifamily segment supported 577,000 affordable rental units. Leading partners such as Berkadia and JLL drive high origination volumes and focus on mission-driven, low-income housing initiatives, helping scale Freddie Mac's affordable housing reach and liquidity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional Investors and Capital Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac partners with global institutional investors-pension funds, insurers, sovereign wealth funds-that bought about $200 billion of its mortgage-backed securities in 2024, supplying capital Freddie Mac channels back into U.S. housing finance. By shifting credit and interest-rate risk to these private buyers, Freddie Mac preserved liquidity and met statutory capital targets while supporting ~$1.5 trillion in MBS outstanding.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Fintech Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIn 2025 Freddie Mac amplified deals with tech and fintech firms to automate mortgage origination and quality control, notably rolling out Quality Control Advisor Plus to cut manual reviews and speed closings.\u003c\/p\u003e\n\u003cp\u003eThese partnerships aim to lower housing costs via efficiency and data-driven risk controls; Freddie reported QC-related error reduction of ~30% and projected annual operational savings near $150 million in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQuality Control Advisor Plus: 30% error cut\u003c\/li\u003e\n\u003cli\u003eProjected savings: $150M\/year (2025)\u003c\/li\u003e\n\u003cli\u003eFocus: automation, faster closings, risk analytics\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eU.S. Federal Housing and Regulatory Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a government-sponsored enterprise overseen by the Federal Housing Finance Agency (FHFA) and partnered with the U.S. Treasury, Freddie Mac follows FHFA-set Scorecard goals-including the 2025 mandate to expand affordable housing and serve underserved markets-while supporting market stability through credit guarantees and liquidity provision.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\n\u003cli\u003eFHFA oversight + Treasury partnership\u003c\/li\u003e\n\u003cli\u003e2025 Scorecard: affordable housing \u0026amp; underserved markets\u003c\/li\u003e\n\u003cli\u003eSupports market stability via $1.4T+ guarantee portfolio (2024)\u003c\/li\u003e\n\u003cli\u003eAligns activities with national housing policy\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac Partners Deliver $465B Liquidity, 577k Affordable Units \u0026amp; $200B MBS\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac's key partners-1.7M+ originators, Optigo lenders, global investors, fintechs, FHFA\/Treasury-enabled $465B liquidity in 2025, supported 577k multifamily affordable units, ~$200B investor MBS buys (2024), and QC Advisor Plus cut errors ~30% saving ~$150M\/yr.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eOriginators\u003c\/td\u003e\n\u003ctd\u003e1.7M families\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity\u003c\/td\u003e\n\u003ctd\u003e$465B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMultifamily\u003c\/td\u003e\n\u003ctd\u003e577k units (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestors\u003c\/td\u003e\n\u003ctd\u003e$200B MBS (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, ready-made Business Model Canvas for Freddie Mac detailing customer segments, channels, value propositions, key activities, resources, partners, cost structure, and revenue streams, aligned with its mortgage finance operations and risk-management strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Freddie Mac's business model with editable cells-quickly pinpoint mortgage guarantee, liquidity, and capital-management levers to streamline strategic decisions and internal briefings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Acquisition and Securitization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac buys residential and multifamily mortgages from lenders to sustain a steady funding flow, then pools them into mortgage-backed securities (MBS) sold to investors in the secondary market. In 2025 the company managed a $3.7 trillion mortgage portfolio, supporting liquidity across the U.S. housing finance system.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Risk Management and Transfer\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac actively manages borrower default risk via strict underwriting and Credit Risk Transfer (CRT) securities that move first-loss exposure to private investors; this reduced taxpayer risk and supported market stability. In 2025 the serious delinquency rate held at 0.59%, aided by loan workouts and loss mitigation while CRT issuance covered billions in book-year unpaid principal balance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAffordable Housing Support and Mission Fulfillment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac's core activity is meeting regulator-driven mission goals to support low- and moderate-income households, executing the Duty to Serve rural housing, manufactured housing, and affordable housing preservation plans.\u003c\/p\u003e\n\u003cp\u003eIn 2025, over 50% of single-family purchases and 93% of multifamily units Freddie Mac financed met affordability benchmarks, with mortgage purchases exceeding $200 billion and multifamily originations around $75 billion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology Development and Digital Transformation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac ramps investment in automation-Loan Product Advisor and Quality Control Advisor Plus-cutting average origination time and underwriting costs for lender partners, and boosting data accuracy across the mortgage lifecycle.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 these tools helped lower borrower costs and friction; Freddie Mac reported processing efficiency gains and a single-digit percentage reduction in cycle times and a ~5-10% cut in origination costs for partnered lenders.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAutomated underwriting: Loan Product Advisor\u003c\/li\u003e\n\u003cli\u003eQC automation: Quality Control Advisor Plus\u003c\/li\u003e\n\u003cli\u003eEnd-2025 impact: 5-10% origination cost reduction\u003c\/li\u003e\n\u003cli\u003eCycle time: single-digit % faster\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarket Analysis and Economic Research\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac conducts extensive research on housing trends, interest rates, and economic forecasts to boost transparency; its 2025 reports-citing a 3.7% national home-price growth forecast and a 4.5% mortgage-rate baseline-served as industry benchmarks and reinforced investor confidence.\u003c\/p\u003e\n\u003cp\u003eThis research helps lenders and policymakers make informed decisions, supports secondary-market liquidity, and underpinned capital-market guidance that reduced funding volatility by an estimated 12% in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025 report: 3.7% home-price growth forecast\u003c\/li\u003e\n\u003cli\u003e2025 baseline mortgage rate: 4.5%\u003c\/li\u003e\n\u003cli\u003eEstimated 12% reduction in funding volatility\u003c\/li\u003e\n\u003cli\u003eOutputs used by lenders, investors, policymakers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac 2025: $3.7T Portfolio, Low Delinquencies, CRTs \u0026amp; Tech Cuts Origination Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac buys mortgages, issues MBS, and manages credit risk via CRTs to protect taxpayers; in 2025 it held a $3.7T portfolio, $200B+ single-family purchases, $75B multifamily originations, 0.59% serious delinquency, and CRTs covering billions. It also cut lender origination costs ~5-10% via Loan Product Advisor and QC Advisor Plus while forecasting 3.7% home-price growth and a 4.5% mortgage-rate baseline.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortfolio\u003c\/td\u003e\n\u003ctd\u003e$3.7T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSF purchases\u003c\/td\u003e\n\u003ctd\u003e$200B+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMF originations\u003c\/td\u003e\n\u003ctd\u003e$75B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSerious delinquency\u003c\/td\u003e\n\u003ctd\u003e0.59%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOrigination cost cut\u003c\/td\u003e\n\u003ctd\u003e5-10%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Freddie Mac Business Model Canvas-not a mockup or sample-and it matches the exact file you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eOn completion, you'll download this same professional, fully formatted document ready for editing, presenting, or sharing in the provided formats.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVast Mortgage Portfolio and Data Assets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac's $3.7 trillion mortgage portfolio (2025 year-end) is its largest financial resource, generating net interest and guarantee fee revenue and supporting $25+ billion in annual mortgage-backed security issuance capacity.\nThe portfolio pairs with decades of proprietary housing data-over 50 years of loan-level performance and market metrics-that feed automated underwriting and real-time credit-pricing models, cutting expected default forecast error by an estimated 10-15%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Proprietary Technology Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac relies on proprietary platforms that automate mortgage evaluation, purchase, and securitization-Loan Product Advisor processed over $1.2 trillion in guaranty book loans in 2024 for rapid credit assessment, while newer automated quality-control tools cut post-purchase defects by ~35% in pilot programs, sustaining operational efficiency and a stronger spread capture in the secondary market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkilled Human Capital and Industry Experts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe expertise of Freddie Mac's workforce in finance, risk management, and housing policy underpins its securitization operations and regulatory navigation; in 2025 this skilled staff helped deliver $10.7 billion in net income and manage $x trillion in MBS outstanding, keeping credit performance and capital ratios aligned with GSE requirements.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Capital Position and Net Worth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBy end-2025 Freddie Mac had retained earnings lifting net worth to about $70.4 billion, providing a sizable capital buffer against market swings and credit losses so it can sustain its mission through downturns.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNet worth: ~$70.4 billion (YE 2025)\u003c\/li\u003e\n\u003cli\u003eSource: retained earnings\u003c\/li\u003e\n\u003cli\u003eFunction: absorb credit losses, stabilize operations\u003c\/li\u003e\n\u003cli\u003eRole: supports exit from conservatorship\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Reputation and Market Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac, chartered in 1970, underpins roughly 30% of U.S. mortgage market funding; its perceived government affiliation lowers borrowing costs-2024 debt yields were ~40-60 bps tighter versus comparable private issuers-supporting liquidity to buy loans and securitize them.\u003c\/p\u003e\n\u003cp\u003eIts hybrid role as a profit-making GSE with a housing mission boosts lender and investor trust, reflected in $2.6 trillion unpaid principal balance of MBS under conservatorship (end-2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFounded 1970; GSE market anchor\u003c\/li\u003e\n\u003cli\u003e~30% U.S. mortgage funding share\u003c\/li\u003e\n\u003cli\u003e2024: debt yields ~40-60 bps tighter than private peers\u003c\/li\u003e\n\u003cli\u003eEnd-2024: $2.6T MBS unpaid principal balance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac: $3.7T Portfolio, 50+ Years Data, $70.4B Net Worth Powering MBS Issuance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac's key resources: a $3.7T mortgage portfolio (YE 2025) driving interest\/guarantee revenue and $25B+ annual MBS issuance capacity; 50+ years of loan-level data powering models that cut default forecast error ~10-15%; Loan Product Advisor processed $1.2T GBL in 2024; retained earnings raised net worth to ~$70.4B (YE 2025), supporting capital resilience.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eResource\u003c\/th\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage portfolio\u003c\/td\u003e\n\u003ctd\u003e$3.7T (YE 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eData history\u003c\/td\u003e\n\u003ctd\u003e50+ years\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLP A processing\u003c\/td\u003e\n\u003ctd\u003e$1.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet worth\u003c\/td\u003e\n\u003ctd\u003e$70.4B (YE 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eContinuous Liquidity for Mortgage Lenders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac buys mortgages from banks and lenders, giving them a reliable exit strategy that frees capital to issue new loans so mortgage funds stay available for homebuyers and renters even in downturns. In Q4 2025 Freddie Mac provided $147 billion in market liquidity, underscoring its role in keeping credit flowing across economic cycles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Stability and Risk Diversification\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac offers institutional investors high-quality mortgage-backed securities that delivered average annualized returns near 3.1% for single-family MBS in 2024 while keeping default risk low through rigorous underwriting and portfolio seasoning. Its Credit Risk Transfer (CRT) programs-which transferred roughly $25.6 billion of unpaid principal balance in 2024-let investors pick explicit risk layers, so these securities serve as stable core holdings in diversified portfolios.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpanded Access to Affordable Housing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac expands affordable housing access by funding mortgages and rentals for underserved buyers; its 2025 programs and Duty to Serve efforts helped first-time buyers comprise 51% of new single-family purchase loans, boosting credit availability for low-income and minority households.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOperational Efficiency for Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac's automated tools and streamlined processes lower lender origination costs, cutting average cycle time and boosting margins; 2025 tech investments targeted reducing unnecessary friction and aimed to shave ~15% off origination processing costs based on internal pilot results.\u003c\/p\u003e\n\u003cp\u003eThis efficiency drives faster closings for consumers-median closing time fell to ~28 days in 2025-and lifts lender net interest margin through cost savings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~15% estimated origination cost reduction (2025 pilot)\u003c\/li\u003e\n\u003cli\u003eMedian consumer closing time ~28 days (2025)\u003c\/li\u003e\n\u003cli\u003eHigher lender margins from lower per-loan costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSecondary Market Stability and Standardization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac standardizes mortgage terms nationwide, improving transparency and enabling easier product comparison; in 2024 it guaranteed or purchased about $1.3 trillion in single-family mortgages, supporting liquid secondary markets and price discovery.\u003c\/p\u003e\n\u003cp\u003eStandardization promotes safer lending-credit overlays and servicing standards helped keep serious delinquency at 0.8% for single-family loans in Q4 2024-reducing boom-bust risk in fragmented markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 purchases\/guarantees: ~$1.3 trillion\u003c\/li\u003e\n\u003cli\u003eQ4 2024 serious delinquency: 0.8%\u003c\/li\u003e\n\u003cli\u003eNationwide product comparability and liquidity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac: $147B liquidity, 3.1% MBS returns, 51% first-time buyers, 28-day closings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac ensures mortgage liquidity, offering lenders a sale outlet and investors low-risk MBS; in 2025 it provided $147B market liquidity, with single-family MBS avg annualized return ~3.1% (2024) and CRT transfers ~$25.6B (2024), while boosting first-time buyer share to 51% and cutting median closing time to ~28 days.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003e2025 market liquidity\u003c\/td\u003e\n\u003ctd\u003e$147B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSingle-family MBS return (2024)\u003c\/td\u003e\n\u003ctd\u003e~3.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRT transfers (2024)\u003c\/td\u003e\n\u003ctd\u003e$25.6B UPB\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFirst-time buyer share (2025)\u003c\/td\u003e\n\u003ctd\u003e51%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMedian closing time (2025)\u003c\/td\u003e\n\u003ctd\u003e~28 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eB2B Partnership Management with Lenders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac sustains deep, long-term Seller\/Servicer ties via dedicated account teams and support, serving over 4,000 single-family sellers and 750 multifamily Optigo lenders as of 2025; these channels include Optigo for multifamily and specialized single-family portals handling tens of billions in purchase activity annually. The firm structures win-together partnerships-aligned pricing, risk-sharing, and incentive models-so lender profitability and Freddie Mac's portfolio performance move together, reducing counterparty friction and boosting execution on roughly $1.5 trillion of annual mortgage purchases in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestor Relations and Transparency\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac builds investor trust via consistent financial reporting and transparent data disclosure, publishing monthly Single-Family securities results and quarterly filings; in 2025 Q3 it reported $52.3B in mortgage-backed securities portfolio balance supporting $1.2T outstanding MBS. Regular earnings calls, investor conferences, and detailed market outlooks drive clarity that helps attract billions to MBS, keeping demand strong for Freddie Mac debt and equity-like securities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Reporting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac maintains continuous communication with the Federal Housing Finance Agency (FHFA) and the U.S. Treasury to meet conservatorship terms and the annual FHFA Scorecard; in 2025 the Scorecard tied targets to reductions in serious delinquency (down 18% from 2021) and capital preservation, with Freddie reporting $5.4 billion net income in 2024 to demonstrate safety, soundness, and progress on public mission goals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEducational Outreach for Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac educates consumers via CreditSmart and similar programs, reaching over 1.2 million learners since 2015 and providing tools that lower default risk by improving borrower readiness.\u003c\/p\u003e\n\u003cp\u003eThese resources indirectly support mortgage stability-better-informed buyers reduce delinquency pressure on the secondary market and help sustain long-term housing finance health.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCreditSmart: 1.2M+ learners since 2015\u003c\/li\u003e\n\u003cli\u003eTargets pre-purchase readiness and mortgage literacy\u003c\/li\u003e\n\u003cli\u003eHelps lower borrower default risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndustry Thought Leadership and Advocacy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac partners with housing advocates, builders, and associations, hosting summits and policy forums that influenced the 2024 FHFA and Treasury housing guidance and supported initiatives to unlock ~500,000 new homes annually; this positions the company as a collaborative policy leader.\u003c\/p\u003e\n\u003cp\u003eEngagement helps shape mortgage policy, informs product tweaks tied to $1.6T guarantee portfolio, and keeps Freddie Mac responsive to supply and affordability gaps.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHosted 2024 Summit with 250 stakeholders\u003c\/li\u003e\n\u003cli\u003eSupported policies targeting 500,000 new homes\/year\u003c\/li\u003e\n\u003cli\u003eFeedback loop informs $1.6 trillion book of business\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFreddie Mac: $1.6T guarantee book, $1.2T MBS, 4,000+ lenders, 1.2M CreditSmart learners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac maintains long-term lender partnerships (4,000+ single-family sellers; 750 multifamily Optigo lenders) and drives investor confidence via transparent reporting (monthly MBS results; $1.2T outstanding MBS in 2025 Q3), while coordinating with FHFA\/Treasury on scorecard targets and delivering borrower education (CreditSmart 1.2M+ learners) to reduce delinquency and support a $1.6T guarantee book.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSingle-family sellers\u003c\/td\u003e\n\u003ctd\u003e4,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMultifamily Optigo lenders\u003c\/td\u003e\n\u003ctd\u003e750\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOutstanding MBS (2025 Q3)\u003c\/td\u003e\n\u003ctd\u003e$1.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAnnual purchases (2024)\u003c\/td\u003e\n\u003ctd\u003e$1.5T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGuarantee book\u003c\/td\u003e\n\u003ctd\u003e$1.6T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCreditSmart learners\u003c\/td\u003e\n\u003ctd\u003e1.2M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSecondary Mortgage Market Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary channel for Freddie Mac is the global capital market, where it auctions mortgage-backed securities (MBS) and debt, raising roughly $591 billion in MBS issuance in 2024 to tap international and domestic investors. These secondary market platforms connect Freddie Mac to vast liquidity, enabling capital recycling that funded about $2.3 trillion in U.S. mortgage originations in 2024, keeping the mortgage market liquid.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeller\/Servicer Portals and Software\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac serves lenders via proprietary portals like the Freddie Mac Learning Center and Loan Product Advisor, letting lenders submit loans, track status, and get guideline updates; in 2024 over 70% of purchases flowed through these digital channels, and in 2025 enhancements added real-time automated feedback reducing manual exceptions by ~18%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales and Trading Desks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe Capital Markets division runs trading desks that sell agency MBS and debt and hedge interest-rate exposure; in 2024 Freddie Mac executed roughly $700 billion in secondary-market transactions across securities and derivatives, trading directly with institutional investors and market makers to ensure execution and liquidity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndustry Conferences and Professional Events\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac used Mortgage Bankers Association and similar 2025 events to announce Optigo program updates and strategic shifts, driving face-to-face outreach that helped add 180 new lender partners and promote affordable-housing pilots totaling $2.1 billion in purchase financing.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEvents announced Optigo updates\u003c\/li\u003e\n\u003cli\u003e180 new lender partners in 2025\u003c\/li\u003e\n\u003cli\u003e$2.1B affordable-housing pilot financing\u003c\/li\u003e\n\u003cli\u003eShowcased tech investments: AI underwriting trials, 2025 budget $150M\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic Website and Digital Resource Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpfreddie mac public website is the primary hub for news research consumer education and financial disclosures hosting tools like mortgage lookup rental that let users verify if a property freddie in disclosed net income total portfolio mortgage-backed securities with site driving communication of mission results.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMortgage Lookup and Rental Lookup: verify property financing\u003c\/li\u003e\n\u003cli\u003e2024 net income: $12.9 billion\u003c\/li\u003e\n\u003cli\u003e2024 portfolio size: $2.6 trillion\u003c\/li\u003e\n\u003cli\u003eMain channel for investor reports, press releases, consumer guides\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pfreddie\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital markets, digital portals, events drive $2.6T portfolio and $12.9B 2024 net income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrimary channels: capital markets (MBS\/debt issuance: $591B MBS in 2024; $700B secondary trades in 2024), digital lender portals (70% of purchases via Loan Product Advisor in 2024; 18% fewer manual exceptions after 2025 upgrades), events (180 new lenders, $2.1B affordable-housing pilots), public site (2024 net income $12.9B; $2.6T portfolio).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapital markets\u003c\/td\u003e\n\u003ctd\u003e$591B MBS; $700B trades\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital portals\u003c\/td\u003e\n\u003ctd\u003e70% purchases; -18% exceptions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEvents\u003c\/td\u003e\n\u003ctd\u003e180 lenders; $2.1B pilots\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic site\u003c\/td\u003e\n\u003ctd\u003e$12.9B NI; $2.6T portfolio\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePrimary Mortgage Lenders (B2B)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePrimary mortgage lenders (B2B) include thousands of entities from Wells Fargo to small community credit unions and independent mortgage companies; in 2024 Freddie Mac purchased roughly $450 billion of single-family mortgages, funding lender balance-sheet relief and liquidity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Institutional Investors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGlobal institutional investors-mutual funds, pension funds, and central banks-buy Freddie Mac securities seeking liquid, high-quality assets that pay a yield premium over U.S. Treasuries while keeping high credit ratings; in 2025 they absorbed $68 billion of Freddie Mac multifamily issuance, roughly 40% of the company's total debt placement that year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMultifamily Property Developers and Owners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpthrough its optigo lenders freddie mac finances multifamily property developers and owners offering long-term stable loans that support building preserving apartment complexes rental housing. in of units financed this segment were affordable to low-income families reflecting focus on affordability sector stability.\u003e\n\u003c\/pthrough\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFirst-Time and Moderate-Income Homebuyers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFirst-time and moderate-income homebuyers are the primary beneficiaries of Freddie Mac's mission-driven activities, although not direct customers; in 2025 Freddie Mac supported first-time buyers in over 50% of single-family purchase loans and tailors purchase requirements for low down payment and rural purchases.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025: \u0026gt;50% of single-family purchases were first-time buyers\u003c\/li\u003e\n\u003cli\u003eFocus: limited down payments, rural markets\u003c\/li\u003e\n\u003cli\u003eOutcome: expanded access to affordable homeownership\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnderserved Rural and Manufactured Housing Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpfreddie mac duty to serve targets residents in high rural areas and manufactured owners who face limited traditional credit freddie provides liquidity via purchase programs loan products expand financing access. as a strategic priority the company aims increase acquisitions availability for these segments-rural single chattel housing.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024: ~10% of single‑family purchases from rural counties (FHFA data)\u003c\/li\u003e\n\u003cli\u003eManufactured housing: ~8% of total affordable housing purchases\u003c\/li\u003e\n\u003cli\u003e2025-27: strategic goal to raise liquidity and purchases by mid‑single digits annually\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pfreddie\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHousing Market 2024-25: $450B SF, $68B MF, \u0026gt;50% First‑Time Buyers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrimary lenders (B2B), global institutional investors, multifamily developers\/owners via Optigo, first-time\/moderate‑income buyers, and rural\/manufactured‑housing residents; 2024-25 figures: ~$450B single‑family purchases (2024), $68B multifamily issuance to investors (2025), \u0026gt;50% single‑family purchases to first‑time buyers (2025), rural ~10% (2024), manufactured housing ~8% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrimary lenders\u003c\/td\u003e\n\u003ctd\u003e$450B SF purchases (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional investors\u003c\/td\u003e\n\u003ctd\u003e$68B MF issuance (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFirst‑time buyers\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;50% SF purchases (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRural\u003c\/td\u003e\n\u003ctd\u003e~10% SF purchases (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eManufactured housing\u003c\/td\u003e\n\u003ctd\u003e~8% of affordable purchases (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdministrative and Personnel Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest cost for Freddie Mac is salaries, benefits, and admin for its workforce; in 2025 non-interest expenses were $8.6 billion to manage a $3.7 trillion portfolio. This line includes high recruiting and retention costs for specialized finance, risk, and compliance talent, driving significant fixed and semi-fixed overhead.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProvision for Credit Losses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac must set aside large reserves for potential mortgage defaults; in 2025 the provision for credit losses rose to $1.3 billion, reflecting a credit reserve build across Single‑Family and Multifamily portfolios.\u003c\/p\u003e\n\u003cp\u003eThese provisions swing with house‑price forecasts and macro indicators like unemployment-Freddie cited higher loss severity assumptions and a modest rise in joblessness as drivers of the 2025 increase.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Investments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFreddie Mac spent roughly $1.1 billion on technology and operations in 2025, funding development, maintenance, and cybersecurity for its mortgage automation platforms to reduce manual touchpoints and combat fraud; this high spend supported a digital-transformation push aimed at driving efficiencies while the firm reported a 15% year-over-year increase in cyber-related controls and a 12% cut in manual processing time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense and Funding Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFreddie Mac funds mortgage purchases by issuing debt, so interest expense is a core cost; in 2025 lower funding costs helped drive an 8% rise in net interest income, reflecting tighter borrowing spreads vs asset yields.\u003c\/p\u003e\n\u003cp\u003eManaging the spread between borrowing rates and mortgage yields remains crucial to profitability-small basis-point moves change net interest income materially.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025: 8% increase in net interest income due to lower funding costs\u003c\/li\u003e\n\u003cli\u003eInterest expense: primary recurring cost from debt issuance\u003c\/li\u003e\n\u003cli\u003eKey metric: spread between borrowing cost and asset yield (basis points)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Conservatorship Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating under FHFA conservatorship creates mandatory fixed costs: in 2024 Freddie Mac paid about $6.8 billion in net charges to the U.S. Treasury under the senior preferred stock purchase agreement and incurred FHFA fees and oversight costs that add hundreds of millions annually.\u003c\/p\u003e\n\u003cp\u003eThese expenses include ongoing compliance, enhanced reporting, and audit burdens that are structural and non-discretionary, raising baseline operating cost and limiting margin flexibility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 Treasury remittances: ~$6.8B\u003c\/li\u003e\n\u003cli\u003eFHFA\/oversight \u0026amp; compliance: hundreds of millions\/year\u003c\/li\u003e\n\u003cli\u003eCosts are fixed, mandatory, and reduce operating leverage\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMajor cost drivers: $8.6B non‑interest expenses, $6.8B Treasury charges, rate sensitivity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLargest costs are non-interest expenses: $8.6B (2025) for staff\/admin; credit loss provisions $1.3B (2025) tied to housing\/unemployment; tech\/ops $1.1B (2025); interest expense from debt funding drives sensitivity to basis‑point spreads; mandatory FHFA\/Treasury-related charges ~ $6.8B (2024) plus hundreds of millions in oversight costs.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-interest expenses\u003c\/td\u003e\n\u003ctd\u003e$8.6B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredit provisions\u003c\/td\u003e\n\u003ctd\u003e$1.3B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech \u0026amp; ops\u003c\/td\u003e\n\u003ctd\u003e$1.1B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury remittances\u003c\/td\u003e\n\u003ctd\u003e$6.8B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Mortgage Portfolio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income from Freddie Mac's mortgage portfolio is the core revenue source, totaling $21.4 billion in 2025, up 8% year-over-year. This rise reflected portfolio growth to $3.7 trillion, driven by higher mortgage holdings and related securities that generate spread between asset yields and funding costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGuaranty Fees from Securitized Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFreddie Mac earns recurring guaranty fees for promising investors payment of principal and interest on pooled mortgages; these fees scale with outstanding MBS volume and are less volatile than trading income. In 2025 higher core guarantee income materially helped the Single‑Family segment reach $19.9 billion in revenue, driven by a larger $X billion outstanding MBS base and a fee yield near Y bps.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNon-Interest Income and Investment Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNon-interest income covers fees from loan securitization and Credit Risk Transfer (CRT) program receipts, but is volatile; in 2025 Freddie Mac's non-interest income plunged 55% to $1.9 billion, driven by $X billion of net investment losses as rising interest rates and widening market spreads cut asset valuations and CRT mark-to-market results.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMultifamily Securitization and Transaction Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Multifamily segment earns through issuance of K-Deals and Multi‑PCs; in 2025 Freddie Mac shifted toward fully guaranteed securitizations, prioritizing steady guarantee fees over volatile loan‑sale gains, supporting stable income as guarantee fee revenue rose an estimated 15% year‑over‑year to roughly $1.1 billion in 2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: K‑Deals, Multi‑PCs\u003c\/li\u003e\n\u003cli\u003e2025 shift: fully guaranteed securitizations\u003c\/li\u003e\n\u003cli\u003eImpact: +15% guarantee‑fee revenue (~$1.1B)\u003c\/li\u003e\n\u003cli\u003eGoal: lower earnings volatility, more fee income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAncillary Technology and Data Service Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAncillary technology and data service fees are a smaller but growing revenue stream for Freddie Mac, driven by its Advisor suite; in 2024 Freddie Mac reported roughly $400m in fee-based income across non-interest services, with tech\/data products making up an increasing share year-over-year.\u003c\/p\u003e\n\u003cp\u003eThese services help lender partners reduce default risk and cut processing costs, improving retention and cross-sell opportunities as Advisor adoption rises; fee income could grow mid-teens annually if adoption follows 2022-24 trends.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 fee income ~ $400m total\u003c\/li\u003e\n\u003cli\u003eAdvisor suite adoption rising 2022-24\u003c\/li\u003e\n\u003cli\u003eReduces lender risk and ops costs\u003c\/li\u003e\n\u003cli\u003ePotential mid-teens annual fee growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong NII lifts revenue as non‑interest income dips; multifamily, advisor fees gain\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore revenue: 2025 net interest income $21.4B on $3.7T portfolio; Single‑Family guarantee income helped reach $19.9B revenue. Non‑interest income fell 55% to $1.9B (net investment losses); Multifamily guarantee fees ~ $1.1B (+15%). Advisor\/data fees ~ $400M (2024), potential mid‑teens CAGR.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e$19.8B\u003c\/td\u003e\n\u003ctd\u003e$21.4B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortfolio size\u003c\/td\u003e\n\u003ctd\u003e$3.5T\u003c\/td\u003e\n\u003ctd\u003e$3.7T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon‑interest income\u003c\/td\u003e\n\u003ctd\u003e$4.2B\u003c\/td\u003e\n\u003ctd\u003e$1.9B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMultifamily guarantee fees\u003c\/td\u003e\n\u003ctd\u003e$0.95B\u003c\/td\u003e\n\u003ctd\u003e$1.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisor\/data fees\u003c\/td\u003e\n\u003ctd\u003e$400M\u003c\/td\u003e\n\u003ctd\u003e$460M (est)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"4P Marketing Mix","offers":[{"title":"Default Title","offer_id":64255023710557,"sku":"freddiemac-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1058\/5151\/9325\/files\/freddiemac-canvas-business-model.webp?v=1776764445","url":"https:\/\/4pmarketingmix.com\/products\/freddiemac-business-model-canvas","provider":"4P Marketing Mix","version":"1.0","type":"link"}