Trace every adjustment that priced this loan — from grid to ledger
Enter a handful of loan characteristics and see the complete stacked ledger of price adjustments, each line naming the grid it came from and the exact cell that matched.
▶ Under development.
The calculation API is being built. The demo form shows the intended workflow — results
will show your inputs in the ledger when the service is deployed.
How it works
Every adjustment in mortgage pricing comes from a published grid. Adjustmentstack applies them in the correct stacking order and shows its work.
01
Enter loan characteristics
Fill in FICO band, LTV/CLTV, purpose, occupancy, property type, loan amount band and lock period.
02
We apply the grids
Each characteristic is matched against Fannie Mae's published LLPA matrices in the industry-standard stacking order.
03
Read the ledger
Every adjustment is a line in the ledger: grid name, effective date, cell match, and amount. The final price is the sum.
What makes this different
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→Verifiable provenance Every number in the ledger cites its published source — grid name, effective date and the exact cell that matched. You can check every row against the same document.
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→Stacked, not summed Instead of "base + adjustments = final," you see each adjustment as its own row. The arithmetic is transparent, not hidden behind a single number.
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→Honest about limits If your input is outside the published grid, we say so. No silent clamping, no extrapolation, no confident wrong answer.
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→No account required No login, no data stored, no email follow-up. Everything happens in your browser and your scenario leaves no trace.
Not a rate quote or loan approval. Adjustmentstack applies published
Fannie Mae LLPA matrices for educational and analytical purposes. The output is a price
adjustment ledger — it is not a rate quote, a lock, a pre-approval or an offer of credit.
Grid data sourced from Fannie Mae Single-Family (effective 2024-07-01). Grids change;
always verify against current published matrices.