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Freddie Mac scores 72 out of 100 on the Agent Readiness Index
Freddie Mac reaches level 3, Connectable. Discoverability is the strongest area at 89 out of 100. Policy and governance is the weakest at 28.
Freddie Mac was scanned on October 15, 2026. Its score is 72 out of 100, level 3, Connectable. An agent can connect through an MCP server or a public API program. To reach level 4, Trusted: Let customers authorize agents: OAuth with PKCE, a registration path and documented delegate controls.
Website: freddiemac.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 89 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 64 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 84 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 78 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 28 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding Freddie Mac back
- Developer and data sharing program, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
- Passkeys at sign in, 4 points lost. No passkey signal was found on the sign in page or in the published pages read. A prompt that starts only after a person types is not visible to the scan. Fix: Offer passkeys with conditional UI on the sign in page and for step up approvals.
- Documented delegate and data sharing controls, 4 points lost. No public page on delegate access or connected app controls was found. Fix: Publish a help page on delegate access and add a connected apps screen where customers revoke access.
- Sign in page loads for a declared agent in a browser, 4 points lost. The sign in address that was tried returned status 404, so the sign in page itself could not be confirmed. Fix: Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.
What already works
- MCP server
- OAuth and OpenID metadata
- PKCE and client registration
How Freddie Mac compares
The average score for lenders is 48.5 out of 100 across 12 organizations. The average across all 1,420 scored organizations is 42.2 out of 100.