# Freddie Mac

> Freddie Mac (Federal Home Loan Mortgage Corporation) is the government-sponsored enterprise that
> provides liquidity, stability and affordability to the U.S. housing market. Its Single-Family API
> programme is published through the Freddie Mac Developer Portal and covers the whole mortgage
> lifecycle: origination, closing, selling and delivery, post-close document retrieval, and default
> servicing. 20 OpenAPI 3.0 contracts covering 45 operations are published anonymously; calling them
> requires credentials issued to a Seller/Servicer or approved technology partner.

Generated 2026-09-10 by the API Evangelist enrichment pipeline (method: generated, from the provider's
own published catalog at https://developer.freddiemac.com/public/api-catalog). Freddie Mac does not
publish an llms.txt of its own — probed 2026-09-10, /llms.txt returns 404 on www.freddiemac.com,
sf.freddiemac.com and developer.freddiemac.com/public, and 401 on developer.freddiemac.com.

## What you need to know before calling anything

- Documentation is public. Access is not. There is no self-service signup, no free tier, no API key
  form and no published price. Credentials are issued per organisation by a Freddie Mac representative
  to counterparties. Start at the Contact Us form.
- Auth: OAuth 2.0 bearer token on 16 of the 20 APIs; HTTP Basic on the four Loan Selling Advisor
  pricing and committing services. No token endpoint and no scope names are published anonymously.
- The base URLs published in the contracts are TEST hosts (api-test.freddiemac.com,
  lassvcs-uat.fmrei.com). The production host api.freddiemac.com exists but no production base path is
  published anywhere; it is issued inside the portal at app-promotion time.
- 43 of the 45 operations are POST, including every read. There are no DELETE operations anywhere.
- There is no Idempotency-Key header on any operation, and no pagination of any kind.
- Payloads are MISMO. The contracts declare MISMOReferenceModelIdentifier="3.3.0299", carry
  urn:fdc:mismo.org relationship URNs, negotiate appraisalMismoVersion 3.6, and move the GSE Uniform
  Mortgage Data Program datasets (UAD, ULAD, ULDD, UCD, UCDP) over HTTP. If you already speak MISMO,
  you already speak these APIs.

## Origination

- [Affordable Check](https://developer.freddiemac.com/public/#/api-info/overview/62858cdd06bca128fb37ce71): preliminary eligibility for Home Possible, HFA Advantage, Refi Possible and HomeOne from a minimal borrower data set. POST /requestBorrowerEligibilityData (requestEligibility). v1 was retired 2025-10-29.
- [Income Limits](https://developer.freddiemac.com/public/#/api-info/overview/6197b8395032a264da85a01b): area median income values and income-to-AMI percentages. POST /incomeLimitsData (incomeLimitsData).
- [Loan Look Up](https://developer.freddiemac.com/public/#/api-info/overview/6197bab05032a264da85a02b): whether Freddie Mac owns a mortgage, or paid one off in the last 90 days. POST /loanlookup (LoanLookup).
- [Property Insights](https://developer.freddiemac.com/public/#/api-info/overview/619720835032a264da859ff4): Freddie Mac property and appraisal data, UAD-aligned to MISMO 3.6. POST /requestPropertyData (requestPropertyData).
- [Current Mortgage Snapshot](https://developer.freddiemac.com/public/#/api-info/overview/6197b94aa8adda2fb7323736): POST /requestMortgageData (requestMortgageData).
- [Beyond ACE](https://developer.freddiemac.com/public/#/api-info/overview/6197ea655032a264da85a08c): property data collection — the only API in the catalog with GET and PUT. 11 operations across /property, /image/{imageId} and /pdf/{propertyDataId}.

## Closing

- [Loan Closing Advisor Loan Submission](https://developer.freddiemac.com/public/#/api-info/overview/660f427090f1397952c8a9a0): submit a single-loan Uniform Closing Dataset (UCD) file for assessment. POST /EWSG_LCLALoanEvaluationServiceV2.0 (submitLoan). No withdrawal operation exists.

## Selling and delivery

- [Cash Pricing](https://developer.freddiemac.com/public/#/api-info/overview/623d0826c48acc2401ba22da) / [Guarantor Pricing](https://developer.freddiemac.com/public/#/api-info/overview/623d08d5fddb9917ea999f68): cash-sheet and guarantor-sheet pricing. HTTP Basic, on lassvcs-uat.fmrei.com.
- [Cash Committing](https://developer.freddiemac.com/public/#/api-info/overview/623d0765fddb9917ea999f3b): price, extension and pairoff, each split into a quote call and a decision call bound by ResponseToken. pairoff → pairoff-decision is the reversal path for an accepted commitment.
- [Guarantor Committing](https://developer.freddiemac.com/public/#/api-info/overview/623d087efddb9917ea999f5a): the same quote/decide split for guarantor execution, plus modify.
- [Loan Import](https://developer.freddiemac.com/public/#/api-info/overview/68df12b88875c078cd3faf22): system-to-system loan delivery into Loan Selling Advisor. POST /v1/loans/import (importLoanS2S) and /v1/loans/import-status (importLoanS2SStatus). Newest API in the catalog — went to production 2025-12-04. There is no way to undo an import.
- [Cash Settlement Purchase Statement](https://developer.freddiemac.com/public/#/api-info/overview/624f7c78b1e1c3419ba58885) / [Guarantor Settlement Purchase Statement](https://developer.freddiemac.com/public/#/api-info/overview/6531c4a3276bea497cf1cad4): POST /purchase_statement (getPurchaseStatement).

## Post-close

- [Data Share](https://developer.freddiemac.com/public/#/api-info/overview/6197eb69a8adda2fb732376d): retrieve the source and feedback documents a loan generated across Loan Product Advisor, Loan Quality Advisor (ULDD XML), Loan Closing Advisor (UCD XML, closing disclosures) and Loan Collateral Advisor (UAD appraisal XML). Five POST operations. Returns DSA* business-message codes inside 200 responses — read the body to know whether documents were actually found.
- [Data Share Bid Tape](https://developer.freddiemac.com/public/#/api-info/overview/6233cd01689af970cd9a0b43): POST /getbidsummary (getbidsummaryPOST).

## Servicing (Resolve)

- [Resolve Workout Options](https://developer.freddiemac.com/public/#/api-info/overview/6198025c5032a264da85a176): POST /api/evaluateWorkout (evaluateWorkoutUsingPOST).
- [Resolve Retention](https://developer.freddiemac.com/public/#/api-info/overview/619801965032a264da85a168): POST /api/v3/requestWorkout (requestWorkoutV3UsingPOST).
- [Resolve Liquidation](https://developer.freddiemac.com/public/#/api-info/overview/6198033aa8adda2fb732385d): POST /shortsale (requestWorkoutUsingPOST).
- [Resolve Valuation & Pricing](https://developer.freddiemac.com/public/#/api-info/overview/619803ca5032a264da85a185): POST /rvpService (ShortSaleMNPUsingPOST).
- A Resolve Default Event Reporting API is announced for November 2026, replacing monthly EDR action-code submissions with event-based reporting.

## Errors and limits

- Error bodies are application/json but the envelope differs per API family — at least eight shapes across the catalog. This is NOT RFC 9457.
- Codes are dotted: 400.001–400.010 (request), 401.001–401.010 (OAuth credential lifecycle), 404.001, 429.001 (per-second rate), 429.002 (per-minute quota), 500.001–500.004.
- No rate-limit response headers of any kind, and no Retry-After. The four Loan Selling Advisor pricing/committing services do not use 429 at all — they report "Request limit exceeded" as a bare 500.

## Operations

- [Developer Portal](https://developer.freddiemac.com/public/)
- [API catalog](https://developer.freddiemac.com/public/#/api-catalog)
- [Getting started](https://sf.freddiemac.com/tools-learning/apis/getting-started-with-apis)
- [Our API solutions](https://sf.freddiemac.com/tools-learning/apis/our-api-solutions)
- [Origination API Playbook (PDF)](https://sf.freddiemac.com/docs/pdf/api-playbook.pdf)
- [System status](https://sf.freddiemac.com/tools-learning/system-status) — per-system, 16 Freddie Mac systems
- [Technology tool releases](https://sf.freddiemac.com/tools-learning/technology-tools/releases)
- [Security contact](https://api.freddiemac.com/.well-known/security.txt) — Bugcrowd intake, private program
- [Terms](https://www.freddiemac.com/terms) · [Privacy](https://www.freddiemac.com/terms/privacy)

## What Freddie Mac does not publish

No MCP server. No A2A agent card. No AsyncAPI, webhooks or event surface. No GraphQL. No WSDL. No CLI.
No public SDK on npm, PyPI, RubyGems or crates.io — first-party SDKs exist and are maintained, but they
are distributed only inside the authenticated portal. No GitHub organisation (github.com/freddiemac is
an unrelated personal account). No Postman workspace. No OpenID Connect discovery document. No
/.well-known/api-catalog, despite a machine-readable catalog existing at
https://developer.freddiemac.com/public/api-catalog.