Federal Home Loan Mortgage Corporation
FMCCG
Other OTC12.48
USD
+0.48
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Federal Home Loan Mortgage Corporation
FMCCG
(Other OTC)
Recent
price
12.48
P/E
ratio
- -
div
yld
- -
ROIC.AI
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- Business
- Federal Home Loan Mortgage Corporation (Freddie Mac) (OTCQB: FMCCG) is a government-sponsored enterprise chartered by Congress in 1970 and headquartered in Tysons, Virginia, that operates in the U.S. secondary mortgage market by purchasing residential mortgage loans from lenders, securitizing them into mortgage-backed securities, and selling those securities to investors to provide liquidity, stability, and affordability to the housing finance system nationwide. The company conducts business through two primary segments: single-family, which offers credit guarantees on conventional fixed-rate and adjustable-rate mortgages, including Home Possible mortgages for low- to moderate-income borrowers, HomeOne for first-time homebuyers, Relief Refinance for underwater loans, manufactured home mortgages, renovation mortgages combining purchase and construction costs, and innovative products addressing diverse lending scenarios; and multifamily, which provides competitive financing for apartment buildings, shared equity homeownership solutions, and structured pass-through securities like STACR REMICs to transfer credit risk, with a 2025 loan purchase cap of $73 billion supporting rental housing preservation and rural markets. Freddie Mac supports housing across all U.S. states and territories, enabling 1.2 million homes in the first nine months of 2025 while reporting net income of $8.0 billion, net revenues of $17.5 billion, and a total mortgage portfolio of $3.6 trillion as of September 30, 2025. Recent developments include recognition of multiple Impact Sponsors such as FCP for 2025 multifamily initiatives driving market-driven affordable housing outcomes; release of the 2025-2027 Underserved Markets Plan emphasizing strategic partnerships, shared equity standardization since 2019 financing over 500 homes, and new loan products for manufactured housing communities; FHFA approval of a second mortgage pilot program; Loan Product Advisor updates like UAD 3.6 integration, income calculator enhancements, and feedback message simplifications effective through 2026; increased 2026 conforming loan limits to $832,750 with high-cost ceilings at $1,249,125; and ongoing discussions under the Trump administration regarding potential partial privatization via an initial public offering of up to 15% of shares while remaining in conservatorship, alongside FHFA directives to maximize lending volumes amid capital-building efforts.