Third-party originator (TPO) “Direct Access” means your organization will be accessing Freddie Mac Loan Product Advisor® (LPA®) directly through our Freddie Mac Loan Advisor® portal or your loan origination system (LOS). TPOs seeking to access LPA through a sponsoring wholesale lender's system should request LPA TPO sponsored access. Review the Direct Access steps below before beginning the sign-up process to ensure your organization’s request is processed quickly and accurately.

Step 1: Ensure your organization is registered with Freddie Mac

TPOs seeking to access LPA must first register with Freddie Mac to obtain a Freddie Mac-issued TPO number (“TPO Number”).

  • Organizations with an existing TPO number can skip this step
  • If you don't remember your TPO number, contact the Customer Support Contact Center (800-Freddie). Please have your organization’s Employer Identification Number (EIN)

TPOs previously not registered must complete the registration form and agree to the legal terms and conditions identified in the form’s Certification and Agreement section.

Here is a list of information needed to complete the registration process:

  • Your company’s Employer Identification Number (EIN)
  • Your full company name as it appears on the business license
  • Authorized representative information – as further explained in the form, this person must be a Manager, Principal, Director, Vice President or other officer or employee of the requesting organization who is authorized to enter into binding contracts on its behalf.
  • Current merged credit provider(s) – optional

If your registration is approved, Freddie Mac will send a welcome email with the TPO Number and detailed instructions with next steps to obtain system-to-system (S2S) and web browser access. Please follow those instructions to obtain access for LPA or see instructions below.

Step 2: Request LPA Access

Once an organization has a Freddie Mac-issued TPO number it may request S2S and web access. It is recommended that the organization request both access methods simultaneously to ensure access to all available LPA features.

  • S2S access will access to LPA directly through your loan origination system (LOS).
  • LPA can also be accessed through many popular web browsers (web browser access).

Both requests can be completed simultaneously using the Freddie Mac Access Request Form. The Freddie Mac Access Request Form facilitates access to LPA along with other Loan Advisor tools.

S2S Access:

Complete the Freddie Mac Access Request Form. Freddie Mac endeavors to process requests within two business days. For security purposes, your credentials will be delivered in two emails:

  • First email: includes your organization's new S2S User ID (and organization name and TPO number for verification) along with the URL for LPA S2S access.
  • Second email: includes your organization's S2S password.

Once you've received your S2S credentials, use your software partner-specific instructions to access LPA through your LOS using those credentials. You can obtain these instructions by contacting your software partner.

Web Access:

Complete the Freddie Mac Access Request Form to obtain web browser access to LPA. Freddie Mac endeavors to process requests within two business days.

TPOs may also want to request access for any user who will assign loans to a wholesale lender. Only Direct Access TPOs may assign loans, and they cannot be assigned under the “Sponsored” option. If the TPO’s LOS software partner supports it, the TPO may use LPA Loan Assignment API to assign loans, however they may need LPA Web Access in order to assign loans if the LOS does not support it. Each Direct Access user for whom web access is requested should receive two emails:

  • First email: includes their User ID.
  • Second email: includes their temporary password. They'll need to reset this to a permanent password within 10 days.

Users need to log into LPA at least once every 120 days to avoid account deactivation.

Step 3: Provide the TPO Number to at Least One Credit Provider

All correspondent/mortgage brokers must maintain an active relationship with at least one participating credit provider to use LPA. Credit providers can be a credit reporting companies (CRCs) and/or technical affiliates (TAs). Our web site contains a list of participating CRCs and TAs.

Your organization must contact its chosen credit provider to inform it that the organization intends to use LPA and to provide the organization’s TPO number to the provider.

Provide the following information to all your current CRC and/or TA active relationships:

  • Organization TPO number for initial set-up and confirm your assigned Branch Code with TA (if applicable).
  • If your organization will be using TAs, your LPA submissions must identify a corresponding CRC. Please ask your TA(s) which CRC(s) to select in order to provide the information with merged credit reports for LPA submissions.

Please review our Top 5 Tips for Using Merged Credit for more information.

Note: LPA solely assesses only a loan's eligibility for sale to Freddie Mac. LPA does not analyze loans for compliance with laws, regulations, or local ordinances. Loans that violate certain laws or regulations are ineligible for sale to Freddie Mac. Please consult your legal counsel and/or a compliance services vendor to ensure that your loans comply with all applicable laws, regulations, etc.

Need Help?

If you have any questions or need any assistance with the sign-up process, please contact the Customer Support Contact Center (800-FREDDIE).