The table below summarizes changes in our allowance for credit losses. Table 5.1 - Details of the Allowance for Credit Losses | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2Q 2025 | 2Q 2024 | | YTD 2025 | YTD 2024 | | (In millions) | | Single-Family | Multi-family | Total | Single-Family | Multi-family | Total | | Single-Family | Multi-family | Total | Single-Family | Multi-family | Total | | Beginning balance | | $6,851 | | $600 | | $7,451 | | $6,508 | | $508 | | $7,016 | | | $6,691 | | $548 | | $7,239 | | $6,402 | | $447 | | $6,849 | | | Provision (benefit) for credit losses | | 622 | | 161 | | 783 | | 315 | | 79 | | 394 | | | 850 | | 213 | | 1,063 | | 435 | | 140 | | 575 | | | Charge-offs | | (96) | | (4) | | (100) | | (169) | | — | | (169) | | | (287) | | (5) | | (292) | | (292) | | — | | (292) | | | Recoveries collected | | 23 | | — | | 23 | | 24 | | — | | 24 | | | 50 | | 1 | | 51 | | 50 | | — | | 50 | | Other(1) | | 116 | | — | | 116 | | 82 | | — | | 82 | | | 212 | | — | | 212 | | 165 | | — | | 165 | | | Ending balance | | $7,516 | | $757 | | $8,273 | | $6,760 | | $587 | | $7,347 | | | $7,516 | | $757 | | $8,273 | | $6,760 | | $587 | | $7,347 | | | | | | | | | | | | | | | | | | Components of the ending balance of the allowance for credit losses: | | | | | | | | | Mortgage loans held-for-investment | | $7,236 | | $493 | | $7,729 | | $6,457 | | $382 | | $6,839 | | | | | | | | | Other(2) | | 280 | | 264 | | 544 | | 303 | | 205 | | 508 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total ending balance | | $7,516 | | $757 | | $8,273 | | $6,760 | | $587 | | $7,347 | | | | | | | | |
(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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