---
language:
- en
license: cc-by-4.0
pretty_name: LLPA Pricing Matrix 2026
size_categories:
- n<1K
tags:
- mortgage
- llpa
- fannie-mae
- pricing
- credit-score
- ltv
task_categories:
- tabular-regression
- question-answering
---

# Fannie Mae LLPA Pricing Matrix 2026

Loan-Level Price Adjustments for **200 credit score/LTV combinations** across purchase, limited cash-out refinance, and cash-out refinance transactions. Shows how credit score and down payment affect your mortgage rate.

### Transaction Types
- Purchase Money Loans
- Limited Cash-out Refinances
- Cash-out Refinances

### Data Fields
| Field | Type | Description |
|-------|------|-------------|
| transactionType | string | Loan transaction type |
| creditScoreRange | string | FICO score range |
| ltvRange | string | Loan-to-value range |
| llpaAdjustment | number | Price adjustment (basis points) |

### How LLPAs Work
LLPAs are fee adjustments that increase or decrease your mortgage rate based on risk factors. A higher credit score and lower LTV means lower adjustments (better pricing).

### Source
Fannie Mae LLPA Matrix, updated January 28, 2026.

### About Good News Lending
Digital-first mortgage lender. [goodnewslending.com](https://goodnewslending.com)