Freddie Mac Single-Family Seller/Servicer Guide 9102.6 — Monthly EDR

Refer to Bulletin 2026-2, which announced updates related to Resolve® reporting requirements for repayment plans and forbearance agreements. Servicers may implement the new requirements prior to the mandatory October 1, 2026 version of this section if they are operationally ready to do so. This section contains requirements related to: ■ Reporting to Freddie Mac ■ Reports from Freddie Mac ■ Compensatory fees for failure to report via EDR

(a) Reporting to Freddie Mac A Servicer must report, within the first three Business Days of a month, applicable information through the Freddie Mac EDR tool (see Exhibit 88, Servicing Tools) for: ■ All status and event codes for Mortgages that are current AND placed on a forbearance plan ■ All status and event codes, if applicable, for Mortgages that are 30 or 60 days delinquent and Mortgages for which the Borrower was in bankruptcy during the previous month, regardless of whether the Borrower is current or delinquent in his or her Mortgage payments ■ All Mortgages that were 90 or more days delinquent, including referral to foreclosure, or Mortgages for which the Borrower was in bankruptcy during the previous month ■ Mortgages for which the Borrower is current in his or her Mortgage payments and for which the Servicer is pursuing an alternative to foreclosure. (Note: Servicers must comply with all Guide requirements with respect to considering a Borrower who is current in his or her Mortgage payment for an alternative to foreclosure, including, as applicable, any requirement that the Borrower be in imminent default or found to have suffered an involuntary inability to pay.) A Servicer must continue to report the applicable information through the EDR tool for each Mortgage until: ❑ The Mortgage is current and no longer on a forbearance plan ❑ The Mortgage is fully reinstated or paid off ❑ A workout is completed and settled in Freddie Mac’s system ❑ A foreclosure sale is held ❑ The Borrower is no longer in bankruptcy and the Mortgage is current ❑ For current Mortgages under consideration for an alternative to foreclosure, there are no applicable default action codes to report for the month If a Servicer services Mortgages under more than one Seller/Servicer number, the Servicer must report via the EDR tool for each number. For each Mortgage reported, a Servicer must provide the Seller/Servicer number and the Freddie Mac loan number. The Servicer may include the DDLPI (optional). When reporting on a current Mortgage that was placed on a forbearance plan, the following data elements must be reported, as applicable: ■ Default reason ■ Default action(s) ■ Default action date(s) – Servicers must report the due date of the first payment due under the forbearance plan When reporting on a Mortgage that is between 30 and 60 days delinquent, the following data elements must be reported, as applicable: ■ Default action(s) ■ Default action date(s) A Servicer must also report the following data elements in the earliest EDR transmission after receiving the information but no later than when reporting on a Mortgage that is 90 days delinquent: ■ Default reason ■ Property condition ■ Occupancy status Refer to Exhibit 82, EDR Transmission Code List, for descriptions of the default action, default reason, property condition, occupancy status and associated codes. For detailed programming instructions, please refer to the Electronic Default Reporting (EDR) Quick Reference Guide, available at https://sf.freddiemac.com/docs/pdf/other/edr_quickref.pdf.

(b) Reports from Freddie Mac In response to a Servicer’s monthly EDR transmission, Freddie Mac will make available, accessible via the “Default Reporting” tile of the Servicer’s Servicer Performance Profile (SPP) (see Exhibit 88), the following reports. The Servicer must retrieve these reports, review them and transmit any necessary information, as indicated below: ■ EDR Edit Errors report — One Business Day after transmitting EDR information, the Servicer must retrieve this report, which is available in the SPP, that will contain any exceptions and errors on the Mortgages that were reported. The Servicer must correct all exceptions/errors documented on the report and transmit the corrected data to Freddie Mac by the sixth Business Day after accessing the report. For additional information, Servicers may refer to the EDR Quick Reference Guide available at https://sf.freddiemac.com/docs/pdf/other/edr_quickref.pdf ■ EDR Loans Not Reported report — A Servicer must retrieve this report, which is available in the SPP, the morning of the fourth Business Day of the month. The report identifies any Mortgage that was reported as being 90 or more days delinquent during the prior month but was omitted from the current month’s EDR transmission and was not reported as fully reinstated or paid off, that a foreclosure sale was held or a workout option was completed. If the Mortgage is still delinquent, the Servicer must report the delinquent Mortgage by the sixth Business Day of the month. If the Servicer has not already reported a full reinstatement, payoff, foreclosure sale or executed deed-in-lieu of foreclosure of the Mortgage, it must report the action to Freddie Mac. Additional reporting requirements Topic Guide location Reporting and drafting requirements Reporting and processing the reinstatement Section 9203.1(f) Closing, reporting and remittance requirements for deeds-inlieu of foreclosure Section 9209.6 Reporting foreclosure sale results Section 9301.9(a)

(c) Compensatory fees for failure to report via EDR A Servicer that fails to comply with the EDR requirements in Section 9102.6 will be subject to being assessed the noncompliance fees set forth in Sections 8303.5(c) and 8303.5(d). Freddie Mac will bill the Servicer for such fees on the Servicer Non-Performing Loans Invoice. Refer to Section 9102.1 for information on the payment of Servicing NonPerforming Loans Invoices via an Automated Clearing House draft. In addition, if the Servicer does not report a Mortgage to Freddie Mac as required via EDR and the Servicer requests reimbursement of expenses on that Mortgage, Freddie Mac reserves the right to deny reimbursement of those expenses on account of the Servicer’s failure to report.

Refer to Bulletins 2026-G and 2026-11, which announced updates related to Freddie Mac’s new event-based default related reporting requirements. Beginning November 16, 2026, Servicers may implement the new requirements if they are operationally ready to do so. If a Servicer adopts the new event-based default related reporting standards before the mandatory effective date of September 27, 2027, it must comply with the associated Guide requirements that will be effective on September 27, 2027 and, upon such adoption, must discontinue monthly EDR reporting. This section contains requirements related to: ■ Reporting to Freddie Mac ■ Reports from Freddie Mac ■ Compensatory fees for failure to report via EDR

(a) Reporting to Freddie Mac A Servicer must report, within the first three Business Days of a month, applicable information through the Freddie Mac EDR tool (see Exhibit 88, Servicing Tools) for: ■ All status and event codes, if applicable, for Mortgages that are 30 or 60 days delinquent and Mortgages for which the Borrower was in bankruptcy during the previous month, regardless of whether the Borrower is current or delinquent in his or her Mortgage payments ■ All Mortgages that were 90 or more days delinquent, including referral to foreclosure, or Mortgages for which the Borrower was in bankruptcy during the previous month ■ Mortgages for which the Borrower is current in his or her Mortgage payments and for which the Servicer is pursuing an alternative to foreclosure. (Note: Servicers must comply with all Guide requirements with respect to considering a Borrower who is current in his or her Mortgage payment for an alternative to foreclosure, including, as applicable, any requirement that the Borrower be in imminent default or found to have suffered an involuntary inability to pay.) A Servicer must continue to report the applicable information through the EDR tool for each Mortgage until: ❑ The Mortgage is fully reinstated or paid off ❑ A workout is completed and settled in Freddie Mac’s system ❑ A foreclosure sale is held ❑ The Borrower is no longer in bankruptcy and the Mortgage is current ❑ For current Mortgages under consideration for an alternative to foreclosure, there are no applicable default action codes to report for the month If a Servicer services Mortgages under more than one Seller/Servicer number, the Servicer must report via the EDR tool for each number. For each Mortgage reported, a Servicer must provide the Seller/Servicer number and the Freddie Mac loan number. The Servicer may include the DDLPI (optional). When reporting on a Mortgage that is between 30 and 60 days delinquent, the following data elements must be reported, as applicable: ■ Default action(s) ■ Default action date(s) A Servicer must also report the following data elements in the earliest EDR transmission after receiving the information but no later than when reporting on a Mortgage that is 90 days delinquent: ■ Default reason ■ Property condition ■ Occupancy status Refer to Exhibit 82, EDR Transmission Code List, for descriptions of the default action, default reason, property condition, occupancy status and associated codes. For detailed programming instructions, please refer to the Electronic Default Reporting (EDR) Quick Reference Guide, available at https://sf.freddiemac.com/docs/pdf/other/edr_quickref.pdf.

(b) Reports from Freddie Mac In response to a Servicer’s monthly EDR transmission, Freddie Mac will make available, accessible via the “Default Reporting” tile of the Servicer’s Servicer Performance Profile (SPP) (see Exhibit 88), the following reports. The Servicer must retrieve these reports, review them and transmit any necessary information, as indicated below: ■ EDR Edit Errors report — One Business Day after transmitting EDR information, the Servicer must retrieve this report, which is available in the SPP, that will contain any exceptions and errors on the Mortgages that were reported. The Servicer must correct all exceptions/errors documented on the report and transmit the corrected data to Freddie Mac by the sixth Business Day after accessing the report. For additional information, Servicers may refer to the EDR Quick Reference Guide available at https://sf.freddiemac.com/docs/pdf/other/edr_quickref.pdf ■ EDR Loans Not Reported report — A Servicer must retrieve this report, which is available in the SPP, the morning of the fourth Business Day of the month. The report identifies any Mortgage that was reported as being 90 or more days delinquent during the prior month but was omitted from the current month’s EDR transmission and was not reported as fully reinstated or paid off, that a foreclosure sale was held or a workout option was completed. If the Mortgage is still delinquent, the Servicer must report the delinquent Mortgage by the sixth Business Day of the month. If the Servicer has not already reported a full reinstatement, payoff, foreclosure sale or executed deed-in-lieu of foreclosure of the Mortgage, it must report the action to Freddie Mac. Additional reporting requirements Topic Guide location Reporting and drafting requirements Reporting and processing the reinstatement Section 9203.1(f) Closing, reporting and remittance requirements for deeds-inlieu of foreclosure Section 9209.6 Reporting foreclosure sale results Section 9301.9(a)

(c) Compensatory fees for failure to report via EDR A Servicer that fails to comply with the EDR requirements in Section 9102.6 will be subject to being assessed the noncompliance fees set forth in Sections 8303.5(c) and 8303.5(d). Freddie Mac will bill the Servicer for such fees on the Servicer Non-Performing Loans Invoice. Refer to Section 9102.1 for information on the payment of Servicing NonPerforming Loans Invoices via an Automated Clearing House draft. In addition, if the Servicer does not report a Mortgage to Freddie Mac as required via EDR and the Servicer requests reimbursement of expenses on that Mortgage, Freddie Mac reserves the right to deny reimbursement of those expenses on account of the Servicer’s failure to report.