Daily Investor Reporting FAQ

If a Servicer already reports daily, no changes are required.

The primary change is that daily reporting becomes a formal Single-Family Seller/Servicer Guide (Guide) requirement effective February 1, 2027. Servicers must report loan-level transactions daily, on the same day the transaction is processed in Servicer’s system, and no later than 3:45 a.m. ET the next Business Day (BD) to ensure all transactions are accurately recorded in Freddie Mac’s 4 a.m. ET processing run as noted on our Loan Level Reporting (LLR) Processing Schedule.

Servicers must report loan-level transactions on a daily basis only for loans with payment activities and corrections processed in their systems.

If a payment is not received on a loan by the P&I Determination Date, the Servicer must report a loan-level transaction for that loan, reporting $0 principal and applicable interest, no later than 3:45 a.m. ET on the BD immediately after the P&I Determination Date, if the loan has not already been reported during the month.

Any revisions or transactions that occur after the P&I Determination Date, including payments received, reversals or corrections to loans with edits, must be reported on the same day as they are processed. These transactions must be reported by 3:45 a.m. ET if transactions are received at month end and processed on the servicer's system on the first business day of the month, the Servicer must report no later than 10:45 p.m. ET on BD1.

If payment activity is finalized through overnight batch processing, the Servicer should report the finalized activity through Freddie Mac Gateway Loan Level Reporting user interface (UI) as soon as practicable after processing is complete, but no later than 3:45 a.m. ET the next BD.

This does not change the Guide Section 8303.1 deadline or extend any other reporting, edit correction, remittance or drafting requirements. 

Example: A Servicer processes borrower payment activity in its system on February 8, 2027, and its overnight batch process finalizes the activity at 2 a.m. Eastern time on February 9, 2027. The Servicer should report the finalized activity through the Loan Level Reporting UI as soon as practicable after the batch process is complete but no later than 3:45 a.m. on February 10, 2027.

Servicers should begin planning now to assess operational, staffing, time zone, vendor and system impacts. If a Servicer believes they cannot meet Guide requirements stated in Guide Bulletin 2026-G for any reason, it is encouraged to work with their Freddie Mac representative or Customer Service (800-FREDDIE) to discuss readiness concerns and next steps.

Freddie Mac is aware that most Servicers rely on third-party servicing system providers and service bureaus. These servicing system providers are currently supporting daily and same day reporting for many servicers. If you have vendor-specific concerns or questions, please work directly with your technology provider and raise questions through your Freddie Mac representative or Customer Service (800-FREDDIE).

Servicers should assess the gap between their current reporting process and the February 1, 2027, requirement, engage their vendor or service bureau as early as possible and identify any process, staffing or system changes needed to support same-day loan-level reporting. If readiness concerns remain, Servicers should contact their Freddie Mac representative, Servicing Relationship Manager or Customer Service (800-FREDDIE).

No. Freddie Mac is not making changes to the Loan Level Reporting file format as part of the daily investor reporting requirement.

There will be no changes to how you receive processing results. Servicers are required to review daily edit reports and correct identified edits promptly.