| Table - Details of the Allowance for Credit Losses |
The table below summarizes changes in our allowance for credit losses. Table 5.1 - Details of the Allowance for Credit Losses | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2Q 2026 | 2Q 2025 | | YTD 2026 | YTD 2025 | | (In millions) | | Single-Family | Multi-family | Total | Single-Family | Multi-family | Total | | Single-Family | Multi-family | Total | Single-Family | Multi-family | Total | | Beginning balance | | $7,228 | | $885 | | $8,113 | | $6,851 | | $600 | | $7,451 | | | $7,549 | | $956 | | $8,505 | | $6,691 | | $548 | | $7,239 | | | Provision (benefit) for credit losses | | (846) | | (34) | | (880) | | 622 | | 161 | | 783 | | | (1,157) | | (43) | | (1,200) | | 850 | | 213 | | 1,063 | | | Charge-offs | | (181) | | (1) | | (182) | | (96) | | (4) | | (100) | | | (359) | | (65) | | (424) | | (287) | | (5) | | (292) | | | Recoveries collected | | 65 | | — | | 65 | | 23 | | — | | 23 | | | 125 | | 1 | | 126 | | 50 | | 1 | | 51 | | Other(1) | | 112 | | — | | 112 | | 116 | | — | | 116 | | | 220 | | 1 | | 221 | | 212 | | — | | 212 | | | Ending balance | | $6,378 | | $850 | | $7,228 | | $7,516 | | $757 | | $8,273 | | | $6,378 | | $850 | | $7,228 | | $7,516 | | $757 | | $8,273 | | | | | | | | | | | | | | | | | | Components of the ending balance of the allowance for credit losses: | | | | | | | | | Mortgage loans held-for-investment | | $6,141 | | $630 | | $6,771 | | $7,236 | | $493 | | $7,729 | | | | | | | | | Other(2) | | 237 | | 220 | | 457 | | 280 | | 264 | | 544 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total ending balance | | $6,378 | | $850 | | $7,228 | | $7,516 | | $757 | | $8,273 | | | | | | | | |
(1)Primarily includes capitalization of past due interest related to non-accrual loans that received payment deferral plans and loan modifications. (2)Includes allowance for credit losses related to advances of pre-foreclosure costs and off-balance sheet credit exposures.
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