MPF® Annual Eligibility Certification

All Participating Financial Institutions (PFIs) are required to complete the MPF Annual Eligibility Certification (AEC) within the eMPF website to continue participating in the MPF Program without interruptions or penalties. The accuracy of all information submitted is the responsibility of the PFI.

2025 AEC Time Frame: This process opens January 2 and completion is required by January 31.

There are three steps to the annual certification process.

  1. Step 1: Submit Online Form

    • Log into the eMPF website to access the required OG1 form using the Quick Links tile. For technical issues, please contact the MPF Service Center at 877.345.2673.
    • After completing the OG1 Form, press 'Submit."
    • Who May Complete the OG1 Form? The form may be completed by any individual with eMPF authority; however, the form must be reviewed/submitted by an individual who has delegated authority granted by either
      • the MPF Resolution, or
      • the "Sign PFI Agreement/Amendments" authority within eMPF.

    Note: Your eMPF Security Admin can delegate the "Sign PFI Agreement/Amendments" authority within eMPF.

  2. Step 2: Gather Supporting Documents

    If your institution sold one or more loans to the MPF Program in 2024, the following are required to be submitted:

    • Most recent monthly QC summary provided to senior management. The summary report should include results from both pre-closing and post-closing reviews, detailing information on the most severe defects, trend analysis, target vs. actual defect rate, senior and applicable department management responses, and any corrective action plans if application as required in the MPF Guides.
    • Redlined version of in-house QC plan highlighting substantive revisions made during the year the AEC applies to. If there are no substantive revisions, a redlined version is not required.
    • Detailed action plan undertaken or to be undertaken to remediate non-compliance with any MPF Program requirement, including:
      • What it was and when it was detected,
      • How it was or is being resolved, and
      • When it was or is expected to be resolved.
    • Any exam/audit finding or deficiency related to mortgage operations, origination or servicing non-compliance (if privileged, provide a summary of the finding or deficiency identified) and provide a summary of how the findings were addressed and corrected from any of the following:
      • State or Federal Regulator,
      • Government Agency (including VA, HUD, FHA, RHA),
      • Fannie Mae or Freddie Mac, or
      • other mortgage loan investors.

  3. Step 3: Upload Supporting Documents

    • To upload supporting documentation within the eMPF website:
      • Navigate to the homepage.
      • Choose the 'Upload' tab in the upper right corner.
      • Select the 'Document' category.
      • Choose 'Annual Certification Process.'

    Note: Documents may be combined and submitted as one large file, up to the maximum size of 100Mb. After every upload, you should see a message that the task was completed successfully.