google 来的 Loan level price adjustments were implemented by Fannie Mae and Freddie Mac to account for borrower and loan risk. In short, the idea behind loan level price adjustments is that mortgages for higher risk borrowers and loans should be more expensive so extra fees, or price adjustments, are added to the base price of a loan based on certain risk assessments. Risk assessment factors that determine loan level price adjustments for a mortgage include borrower credit score, loan-to-value (LTV) ratio, loan size, loan type, loan purpose (such as a cash-out refinance), property type and property occupancy.
Loan level price adjustments were implemented by Fannie Mae and Freddie Mac to account for borrower and loan risk. In short, the idea behind loan level price adjustments is that mortgages for higher risk borrowers and loans should be more expensive so extra fees, or price adjustments, are added to the base price of a loan based on certain risk assessments. Risk assessment factors that determine loan level price adjustments for a mortgage include borrower credit score, loan-to-value (LTV) ratio, loan size, loan type, loan purpose (such as a cash-out refinance), property type and property occupancy.