The table below summarizes changes in our allowance for credit losses. Table 5.1 - Details of the Allowance for Credit Losses | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 3Q 2026 | 3Q 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 | | $6,378 | | $850 | | $7,228 | | $7,516 | | $757 | | $8,273 | | | $7,549 | | $956 | | $8,505 | | $6,691 | | $548 | | $7,239 | | | Provision (benefit) for credit losses | | 685 | | 115 | | 800 | | 118 | | 57 | | 175 | | | (472) | | 72 | | (400) | | 968 | | 270 | | 1,238 | | | Charge-offs | | (210) | | (11) | | (221) | | (118) | | (111) | | (229) | | | (569) | | (76) | | (645) | | (405) | | (116) | | (521) | | | Recoveries collected | | 78 | | 1 | | 79 | | 38 | | — | | 38 | | | 203 | | 2 | | 205 | | 88 | | 1 | | 89 | | Other(1) | | 118 | | — | | 118 | | 110 | | — | | 110 | | | 338 | | 1 | | 339 | | 322 | | — | | 322 | | | Ending balance | | $7,049 | | $955 | | $8,004 | | $7,664 | | $703 | | $8,367 | | | $7,049 | | $955 | | $8,004 | | $7,664 | | $703 | | $8,367 | | | | | | | | | | | | | | | | | | Components of the ending balance of the allowance for credit losses: | | | | | | | | | Mortgage loans held-for-investment | | $6,814 | | $568 | | $7,382 | | $7,383 | | $507 | | $7,890 | | | | | | | | | Other(2) | | 235 | | 387 | | 622 | | 281 | | 196 | | 477 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total ending balance | | $7,049 | | $955 | | $8,004 | | $7,664 | | $703 | | $8,367 | | | | | | | | |
(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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