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Imminent Default Indicator®

Imminent Default Indicator® is a servicing tool that helps Servicers determine if a borrower is in imminent default for the purpose of being evaluated for both the Home Affordable Modification program (HAMP) and the Freddie Mac Standard Modification (Standard Modification).  Imminent Default Indicator is a statistical model that predicts the likelihood of default for borrowers who are current or less than 60 days delinquent.

Servicer Benefits

Available on our Servicing Technology Tools Web page, Imminent Default Indicator:

  • Provides a consistent and standard method to aid in evaluating borrowers for imminent default.
  • Assists in performing due diligence to better assess a distinct borrower risk profile.
  • Leverages local economic and current industry data in addition to Servicer-provided borrower data.
  • Facilitates offering borrowers early solutions through HAMP and the Standard Modification.

Borrower Benefits

  • Borrowers who are current or less than 60 days delinquent, but who may be in imminent default, can be identified and may receive more timely assistance.
  • All borrowers are evaluated in a consistent manner.
What You Need to Know About Imminent Default Indicator
When to use Imminent Default Indicator

Imminent Default Indicator must be used as part of any imminent default evaluation. Borrowers who are current or less than 60 days delinquent that claim an eligible hardship, and that otherwise appear to meet the eligibility criteria for HAMP according to the Single-Family Seller/Servicer Guide (Guide) Chapter C65 or the Standard Modification outlined in Guide Chapter B65, must first be determined to be in imminent default before being considered for a HAMP Trial Period Plan.

Once a Servicer has determined that a borrower’s cash reserves are less than $25,000, the Servicer must continue the imminent default evaluation using Imminent Default Indicator.

Getting Started
  • Imminent Default Indicator is accessible from our Servicing Technology Tools Web page on FreddieMac.com. You can access the tool using your Workout Prospector® user ID and password.
  • Review Guide Exhibit 90, Imminent Default IndicatorTM License Agreement.
How it Works

Imminent Default Indicator uses statistical models and economic data in conjunction with specific data elements related to the borrower and the property submitted by the Servicer to help determine whether a borrower is in imminent default.

Follow these three steps to obtain Imminent Default Indicator results:

  • Prepare the input file for Imminent Default Indicator. The tool uses the loan data you provide in your file and current economic data to determine a result for each loan.
  • Log in and upload the input file to Imminent Default Indicator.
  • Download the output file, review the results, and resubmit if necessary.


Please reference the Imminent Default Indicator Users' Guide for more details on how to use Imminent Default Indicator. You will need your Servicing Applications ID and password to access this resource.

Imminent Default Status

Imminent Default Indicator is a statistical model that predicts the likelihood of default for borrowers who are current or less than 60 days delinquent with a Freddie Mac mortgage. However, the Servicer’s determination of a borrower’s imminent default status must be based on all applicable requirements specified in Guide Chapters C65 and B65.

Learn More About Imminent Default Indicator

  • Call 800-FREDDIE.
  • Contact a Freddie Mac servicing representative.

Imminent Default Indicator Login

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