Read your LPA feedback certificates through an API

What you can build on LPA

• Get feedback certificate results

  Build this

  Reads the latest feedback certificate for one loan: risk class, the Assessment Summary, R&W relief and the Purchase Restriction, Caution and Opportunity Messages.

  Takes

  LPA Key

  Returns

  Loan number, risk class, collateral assessment, R&W relief by type, purchase restriction messages, caution messages, opportunity messages

• Check income and asset dates

  Build this

  Reads the Employment & Income grid and the asset details on a loan's feedback certificate, with each income's Close By and Expiration Dates.

  Takes

  LPA Key

  Returns

  Loan number, borrower, income type, submitted amount, Close By date, expiration date, R&W relief, assets by borrower

• Resubmit a loan after changes

  Build this

  Opens a loan in LPA, changes the data you name, resubmits it for assessment and reads the new feedback certificate.

  Takes

  LPA Key, fields to change with their new values

  Returns

  LPA Key, risk class, collateral assessment, caution messages, opportunity messages

• Assign a loan to a wholesale lender

  Build this

  For a Direct Access TPO, assigns a loan in LPA to the wholesale lender you name.

  Takes

  LPA Key, wholesale lender

  Returns

  LPA Key, wholesale lender, confirmation shown

Automate LPA with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Income Close By dates in the next 10 days

  Build this

  Starts

  Every weekday at 7:00

  Step 1

  For each LPA Key you list, check the income and asset dates on the feedback certificate.

  Step 2

  Keep the incomes whose Close By date falls in the next 10 days.

  Step 3

  Email you the list, one section per loan, soonest date first.

• Risk class after each resubmission, sent to your LOS

  Build this

  Starts

  When your system calls the workflow's webhook with an LPA Key

  Step 1

  Get the feedback certificate results for that LPA Key.

  Step 2

  Compare the risk class and messages with the last run for the same loan.

  Step 3

  Post the risk class, collateral assessment and any new Caution Messages to your LOS webhook.

• Caution loans with Opportunity Messages, weekly

  Build this

  Starts

  Every Monday at 8:00

  Step 1

  For each LPA Key you list, get the feedback certificate results.

  Step 2

  Keep the loans with a Caution risk class and at least one Opportunity Message.

  Step 3

  Summarize what each message suggests and email you the summary by loan.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get feedback certificate results” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "freddiemacgateway.freddiemac.com/get_feedback_certificate_results",
    "input": {
      "lpa_key": "Z7K2Q9M4"
    }
  }'

{
  "status": "completed",
  "data": {
    "lpa_key": "Z7K2Q9M4",
    "loan_number": "ACME-2026-01187",
    "risk_class": "Caution",
    "collateral_assessment": "Traditional Appraisal",
    "rw_relief": {
      "income": false,
      "employment": false
    },
    "purchase_restriction_messages": [],
    "caution_messages": [],
    "opportunity_messages": [
      "Borrower cash flow may be assessed if an asset verification report with at least 12 months of account data is submitted."
    ]
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

LPA’s own options

Freddie Mac offers LPA at no charge through Freddie Mac Gateway, and system-to-system through a loan origination system. The S2S credentials come from Freddie Mac after you submit its Tools Access Form, and your LOS provider makes the connection using the specifications on Freddie Mac's Developer Portal. Credit report and other vendor fees stay with your own contracts.

Read on November 12, 2026: TPO Direct Access for Loan Product Advisor, Loan Product Advisor FAQs, Loan Product Advisor.

Signing in to LPA

LPA web users sign in through Freddie Mac Gateway with a User ID and a password. Freddie Mac emails the User ID and a temporary password separately, and the temporary password must be changed within 10 days. With Fous you sign in once through Gateway's own sign-in with your own account, and the login is sealed with AES-256.

Worth knowing

LPA has fixed hours at the weekend

LPA is available 24 hours Monday to Friday, 5:30am to 11pm EST on Saturday and 11am to 2am EST on Sunday. Schedule weekend runs inside those hours.

Sign in at least once every 120 days

Freddie Mac deactivates LPA user accounts that have not logged in for 120 days. Keep the account your methods sign in with active.

Every credit report needs trended data

Each credit report submitted to LPA, soft pulls included, must carry trended credit data. Without it LPA does not assess the loan and returns an error message.

Caution loans get no ACE or AIM

AIM and ACE are not offered on loans with a Caution risk class. Resubmitting with the changes LPA suggests can help, with no guarantee of a change to Accept.

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