Higher-Priced Mortgage Loan
Last updated 2026-08-01
Fannie Mae
Updated 2026-08-01
A mortgage loan that meets the corresponding definition under Regulation Z of the Truth in Lending Act. Only principal residences are included in this category.
Fannie Mae Glossary of Terms
Fannie Mae · pp. 20–23
CFPB
Updated 2026-08-01
In general, a higher-priced mortgage loan is one with an annual percentage rate, or APR, higher than a benchmark rate called the Average Prime Offer Rate. Read more (cfpb.gov/askcfpb/1797)
CFPB Mortgage Terms
CFPB · pp. 11–14
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