房地美三季度净利润32亿美元、同比增17%：为42万户家庭提供购房与租房融资
房地美10月29日公布2026年第三季度业绩：净利润32亿美元，同比增长17%；净营收68亿美元，同比增长19%。三季度房地美共提供1,140亿美元市场流动性，为42万户家庭提供购房、再融资与租房融资，其中融资购房贷款28.6万笔、租赁住房13.4万套。
从构成看，净利息收入59亿美元，同比增长8%；非利息收入9.33亿美元，明显高于去年同期的2.84亿美元，主要来自投资收益的改善。信贷损失拨备增至8亿美元，去年同期约2亿美元，房地美称主要是独栋业务按未来房贷利率上行预期增提了信贷储备。非利息支出20亿美元，同比降6%。截至9月30日，房地美净资产增至810亿美元，抵押贷款组合总额约3.7万亿美元，同比增长2%。
独栋业务三季度净利润27亿美元，同比增长16%，新业务量980亿美元，贷款组合3.2万亿美元。独栋组合严重拖欠率为0.61%，高于2025年底的0.59%与去年同期的0.57%。首次购房者占当季新购独栋贷款的51%，房地美三季度共帮助10.6万名首次购房者购房；其合格贷款中56%流向中低收入家庭。
多户业务净利润5.21亿美元，同比增长22%；新业务量160亿美元，低于去年同期的250亿美元；贷款组合5,100亿美元，同比增长6%，拖欠率为0.58%。
美国联邦住房金融局局长、房地美董事会主席William J. Pulte表示，房地美在三季度开始接受所有贷款机构使用VantageScore信用评分模型。房地美首席执行官Kenny Smith说，今年前三季度公司净利润同比增长34%，团队将继续围绕让更多家庭买得起、租得起住房推进工作。
（来源：房地美）
Freddie Mac Earns $3.2 Billion in Third Quarter, Up 17%, Financing 420,000 Households
Freddie Mac reported third-quarter 2026 net income of $3.2 billion, up 17% from a year earlier, on net revenues of $6.8 billion, up 19%. The company provided $114 billion of market liquidity in the quarter and financed 420,000 households, including 286,000 mortgages and 134,000 rental units.
Net interest income was $5.9 billion, up 8% year over year, and non-interest income rose to $933 million from $284 million a year earlier, driven by net investment gains. The provision for credit losses increased to $0.8 billion from about $0.2 billion a year earlier, primarily reflecting a credit reserve build in the single-family segment tied to an increase in projected future mortgage interest rates and new acquisitions. Non-interest expense fell 6% to $2.0 billion. Net worth reached $81 billion at September 30, and the total mortgage portfolio grew 2% year over year to nearly $3.7 trillion.
The single-family segment earned $2.7 billion, up 16%, with new business activity of $98 billion and a portfolio of $3.2 trillion. Its serious delinquency rate was 0.61%, up from 0.59% at the end of 2025 and 0.57% a year earlier. First-time homebuyers represented 51% of new single-family purchase loans, and Freddie Mac enabled 106,000 first-time buyers in the quarter; 56% of eligible loans it acquired were affordable to low- and moderate-income families.
The multifamily segment earned $521 million, up 22%, on new business activity of $16 billion, down from $25 billion a year earlier. Its portfolio grew 6% to $510 billion, and its delinquency rate was 0.58%.
William J. Pulte, Director of U.S. Federal Housing and Chair of Freddie Mac's board, noted that in the third quarter the company began accepting the use of VantageScore's credit scoring model by all lenders. Chief Executive Officer Kenny Smith said net income through the first three quarters of 2026 was up 34% from the same period a year ago.
(Source: Freddie Mac)
来源：房地美
发布：GSM·美国（发布链接）
图片来源：图：美国独户住宅社区航拍（资料图），房地美的核心业务是独户住宅抵押贷款。Wikimedia Commons 图片（公共领域，经DPLA收录）。 / Photo: Aerial view of a U.S. single-family neighborhood (file photo); single-family mortgages are Freddie Mac's core business. Image via Wikimedia Commons (public domain, via DPLA).
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