Loan-level price adjustments
LLPA Pricing
Estimate GSE loan-level price adjustments by credit score, LTV, occupancy and property type.
%
$
Total LLPA
0.750 pts
$3,000
≈ Rate impact
+0.150%
At 5 points per 1.00%
Adjustments
1
Credit score / LTV
Breakdown
Credit score / LTV0.750
Purchase grid (credit score × LTV)
| Score \ LTV | ≤30 | 30.01–60 | 60.01–70 | 70.01–75 | 75.01–80 | 80.01–85 | 85.01–90 | 90.01–95 | >95 |
|---|---|---|---|---|---|---|---|---|---|
| ≥780 | 0.000 | 0.000 | 0.000 | 0.000 | 0.375 | 0.375 | 0.250 | 0.250 | 0.125 |
| 760–779 | 0.000 | 0.000 | 0.000 | 0.250 | 0.625 | 0.625 | 0.500 | 0.500 | 0.250 |
| 740–759 | 0.000 | 0.000 | 0.125 | 0.375 | 0.875 | 1.000 | 0.750 | 0.625 | 0.500 |
| 720–739 | 0.000 | 0.000 | 0.250 | 0.750 | 1.250 | 1.250 | 1.000 | 0.875 | 0.750 |
| 700–719 | 0.000 | 0.000 | 0.375 | 0.875 | 1.375 | 1.500 | 1.250 | 1.125 | 0.875 |
| 680–699 | 0.000 | 0.000 | 0.625 | 1.125 | 1.750 | 1.875 | 1.500 | 1.375 | 1.125 |
| 660–679 | 0.000 | 0.000 | 0.750 | 1.375 | 1.875 | 2.125 | 1.750 | 1.625 | 1.250 |
| 640–659 | 0.000 | 0.000 | 1.125 | 1.500 | 2.250 | 2.500 | 2.000 | 1.875 | 1.500 |
| ≤639 | 0.000 | 0.125 | 1.500 | 2.125 | 2.750 | 2.875 | 2.625 | 2.250 | 1.750 |
Illustrative GSE LLPAs. Verify against the current Fannie Mae LLPA Matrix before quoting; lender margins and investor pricing vary.