There are loan level pricing adjustments on every loan Fannie Mae guarantees, and they vary based on credit scores, property type, down payment, etc. I have NEVER seen these shown as a separate charge on a GFE, they are typically just adjusted into the loan pricing and rate. If one lender is “lining out” those adjustments, their rate should be lower, or lender credit (if there is one) should be higher than their competitor’s, since you’re paying those Fannie adjustments separately. I have a hunch listing it separately is merely a ploy to up their origination fee, in hopes that borrowers won’t question it if it’s listed as “Fannie Mae” concerned. If it was truly a Fannie Mae charge, it would be shown as payable to Fannie Mae, NOT the lender/broker who provided the GFE, and I’ll bet dollars to doughnuts it isn’t. Tread carefully, sounds iffy at best to me.