---
title: "Agency Eligibility Matrix"
method: POST
path: "/v1/tools/check_agency_eligibility_matrix"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Agency Eligibility Matrix

`POST /v1/tools/check_agency_eligibility_matrix`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/check_agency_eligibility_matrix`
- Auth: none declared

Fannie Mae DU and Freddie Mac LPA agency eligibility matrix. Checks DTI caps (DU/LPA: 50%; manual UW: 36% housing / 45% total), LTV/CLTV/HCLTV maximums by occupancy type (primary/second home/investment) and loan purpose (purchase/rate-term/cash-out), and multi-unit property constraints. Returns eligible_flag (ELIGIBLE or INELIGIBLE) and detailed per-check results. Table version: FNM-LPA-ELIGIBILITY-2026-01-01. Not compute_llpa_stack (LLPA pricing surcharges) or check_conforming_loan_limit (FHFA loan size limits).

**Tool URL:** https://ainumbers.co/chaingraph/art-222-agency-eligibility-matrix.html

## Request body

- object
  - `cltv_pct` number, required: Percentage value
  - `dti_pct` number: Percentage value
  - `fico_score` number
  - `hcltv_pct` number, required: Percentage value
  - `housing_dti_pct` number, required: Percentage value
  - `loan_purpose` unknown, required
  - `ltv_pct` number: Percentage value
  - `occupancy_type` unknown, required
  - `property_type` unknown, required
  - `underwriting_type` unknown, required
  - `units` number

## Response `200`

Successful tool execution result

- object
  - `checks` object[]
    - `actual` integer
    - `check` string
    - `note` string
    - `pass` boolean
    - `required` integer
  - `eligible` boolean
  - `eligible_flag` string
  - `fails` unknown[]
    - unknown
  - `max_cltv_pct` integer
  - `max_dti_pct` integer
  - `max_hcltv_pct` integer
  - `max_ltv_pct` integer
  - `pii_note` string
  - `product_notes` unknown[]
    - unknown
  - `regulatory_basis` string
  - `table_source` string
  - `table_version` string
  - `underwriting_type` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)