房利美三季度净利42亿美元 信贷拨备升至11.4亿美元
华盛顿 — 房利美（Fannie Mae）10月28日公布2026年三季度业绩：净利41.8亿美元（约42亿美元），同比增长8%、环比增长约5%；净收入76.5亿美元（约77亿美元），为2023年以来最高水平，其中约79%来自核心担保费业务。公司净资产增至1,196亿美元。
业绩的另一面是信贷成本上升。三季度信贷损失拨备达11.4亿美元，远高于二季度的4.85亿美元，主因是多户型（公寓类）贷款信用走弱。单户型贷款购置量从二季度的1,112亿美元降至883亿美元，降幅约两成，为年内最低。高利率压制了新增贷款量，却也让借款人更少提前还款，存量组合的收益得以维持。
房利美首席财务官 Chryssa Halley 表示，公司三季度净利42亿美元、今年以来已为市场提供约3,440亿美元流动性，支持了约29.5万户购房者，盈利「继续由庞大而稳定的净收入驱动」。联邦住房金融局（FHFA）局长兼房利美董事长 Bill Pulte 也在业绩声明中强调了公司在住房金融体系中的角色。
作为美国最大的住房抵押贷款支持机构，房利美的业绩被视为楼市冷热的风向标：担保费收入稳健，说明存量市场仍有支撑；而购置量下滑与拨备上升，则显示高利率环境下交易端与信用端的双重压力。
Fannie Mae Posts $4.2 Billion in Third-Quarter Net Income as Credit Provisions Climb
WASHINGTON — Fannie Mae reported third-quarter 2026 results on October 28: net income of $4.18 billion (about $4.2 billion), up 8 percent year over year and about 5 percent from the prior quarter, on net revenues of $7.65 billion (about $7.7 billion) — the highest since 2023, with roughly 79 percent generated by the core guaranty business. The company's net worth rose to $119.6 billion.
The offset was rising credit costs. The provision for credit losses reached $1.14 billion in the quarter, up sharply from $485 million in the second quarter, driven mainly by weakening multifamily credit. Single-family acquisitions fell from $111.2 billion in the second quarter to $88.3 billion, a decline of about one-fifth and the lowest level of the year. High rates are suppressing new loan volume, though they also discourage prepayments, sustaining earnings on the existing book.
Chief Financial Officer Chryssa Halley said the company earned $4.2 billion in the quarter and has provided about $344 billion in liquidity this year, supporting roughly 295,000 homebuyers, with earnings "powered by large and stable net revenues." Federal Housing Finance Agency Director Bill Pulte, who chairs Fannie Mae's board, also emphasized the company's role in the housing finance system in the earnings release.
As the largest supporter of U.S. mortgage lending, Fannie Mae's results are a barometer for the housing market: steady guaranty-fee income shows the existing book remains solid, while falling acquisitions and rising provisions point to strain on both transactions and credit in a high-rate environment.
来源：房利美
发布：GSM·美国（发布链接）
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