Servicer Honors and Rewards Program (SHARP)℠ FAQ
Disclaimer
The information on this page is not part of, and is not a replacement or substitute for, the requirements found in the Freddie Mac Single-Family Seller/Servicer Guide and your other Purchase Documents.
What is the Freddie Mac Servicer Honors and Rewards Program (SHARP)℠?
SHARP is an annual program that recognizes top-performing Servicers and Servicing Agents that exemplify quality servicing, risk management and sustainable homeownership.
Who is eligible to participate in SHARP?
All Freddie Mac-approved Servicers and Servicing Agents who fall into the qualified award categories.
What are the SHARP Award categories?
Click here to see an overview of the award categories.
How can Servicers and Servicing Agents become eligible to receive a SHARP award?
No action is required. Awards are based on Servicer/Servicing Agent performance in addition to how they manage their relationship with Freddie Mac through the Servicer Engagement Evaluation (SEE) criteria.
Have there been any enhancements to the SHARP program since its launch in 2019?
Yes. We’re introducing the following program enhancements in 2026:
- Expanded Reach: Expands eligibility to reward more Servicers and now Servicing Agents.
- Qualitative Evaluation: Introduces a qualitative evaluation depending on the award category.
- Segmented Award Structure: Broader criteria for measuring success.
- Strategic Alignment: Greater emphasis on practices that drive credit loss reduction and advance core business priorities with flexibility to adapt to evolving strategies and industry needs.
Beginning in 2026, there will be one Master Servicer rank group and one Servicing Agent rank group, each of which will be comprised of those who have at least 100K total loans serviced (TLS). We’re pairing quantitative performance with a new qualitative review to reward practices that reduce credit losses and drive positive outcomes for homeowners through the addition of three new award categories:
- SHARP Plus (≥ 100K total loans serviced)
- SHARP Prestige (< 100K total loans serviced)
- Servicing Agents Prestige (≥ 10K total loans serviced)
How is the qualitative assessment structured?
Based on the SEE criteria the SHARP program qualitative assessment will be based on the following:
- Engagement & Collaboration (40%)
- Operational Efficiency (40%)
- Technology & Integration (20%)
When (and how often) will winning Servicers and Servicing Agents receive rewards and recognition?
Rewards and recognition will be determined on an annual basis in the first quarter of the year that follows the year for which Servicers/Servicing Agents are being ranked. For example, the rewards and recognition for 2026 performance will be announced in the first quarter of 2027.
How will Servicers receive a monetary reward under SHARP?
Servicing Relationship Managers (SRM) will contact winning Servicers to notify them they’re a SHARP winner with specific details on when they’ll receive their monetary award and the method of receipt.
How do Servicers and Servicing Agents increase their ranking?
Rankings are calculated based on the degree to which Servicers outperform their synthetic portfolios relative to that of other Servicers for each weighted default management metric. Improving their performance relative to other Servicers will improve their rank
Who do Servicers and Servicing Agents contact if they have questions about their Servicer Success Scorecard or ranking?
Servicers can contact their SRM. If they don’t have a designated SRM or are unsure of who it is, they should contact Customer Service (800-FREDDIE.)
How can Servicers and Servicing Agents learn about how they’re performing against the qualitative portion “SEE” of the SHARP awards?
For managed accounts, they’ll be provided with information through their assigned SRMs via monthly Servicing Account Plan (SAP) touchpoints.
How can the Scorecard be accessed?
Scorecards can be accessed by logging into Freddie Mac Gateway®, then selecting Servicer Performance Profile under “My Tools.” If a Servicer needs access, they should contact their Access Manager administrator to set up access. The Scorecard provides a monthly view of Servicer performance evaluations along with synthetic comparisons. It also offers different views with aggregate data to help Servicers with reporting and default management.
What improvements have been made to the Scorecard since the launch of SHARP?
We introduced several enhancements to the 2026 Servicer Scorecard to align with servicing performance trends and current market dynamics. The updates to the 2026 Scorecard are designed to help Servicers improve early delinquency management, reduce operational and credit risk as well as drive stronger performance results. They include:
- One rank group applying to Master and Servicing Agents with at least 100K TLS each.
- Small refinements made across scorecard weighting.
- All Transfer of Servicing (TOS) exclusions removed for Master and Servicing Agent Scorecards.
- Synthetic controls, including a new 2022–2023 origination bucket.
Click here to learn more about the 2026 Scorecard updates.