Prior Predictive Matching for Bayesian LoRA

Low-Rank Adaptation (LoRA) has become the standard for fine-tuning large pre-trained models at reduced computational cost. However, its low-rank point-estimate updates limit expressiveness, leave a persistent gap relative to full fine-tuning accuracy, and provide no built-in uncertainty quantification, limiting its applicability in settings where reliability matters as much as accuracy. We introduce BaLoRA, a Bayesian extension of LoRA with a novel input-adaptive Bayesian parameterization of LoRA matrices that adds minimal parameters and compute. Surprisingly, not only does the Bayesian extension yield well-calibrated uncertainty estimates, but the adaptive noise injection underlying our approach also significantly improves prediction accuracy, narrowing the gap with full fine-tuning across both natural language reasoning and vision tasks. When applied to band gap prediction in metal-organic frameworks, BaLoRA produces zero-shot test-time uncertainty estimates that correlate more strongly with model error than a trained ensemble of LoRA models, and improve monotonically with compute without sacrificing accuracy.

While Low-rank adaptation (LoRA) enables highly efficient fine-tuning by constraining task-specific updates to fixed low-rank subspaces, this rigid design limits representational flexibility and often results in overconfident predictions and miscalibrated uncertainty, especially in low-data regimes. Recent Bayesian LoRA variants improve uncertainty estimation by modeling posterior distributions over adaptation parameters. However, these approaches typically rely on fixed or heuristically determined ranks, overlooking the inherently context-dependent nature of adaptation capacity. In this paper, we propose BaRA, a Bayesian Adaptive Rank Allocation framework for parameter-efficient fine-tuning. Drawing inspiration from probabilistic topic models, BaRA dynamically allocates adaptation capacity by activating a sparse, context-dependent subset of disentangled latent factors, enabling instance-wise variation in effective rank. This Bayesian formulation provides principled, data-driven capacity control, mitigating over-parameterization while preserving expressiveness. Beyond the modeling contribution, we provide a complexity-theoretic generalization analysis showing that the generalization gap of BaRA depends on the learned joint effective rank $\bar{s}_{Φ,θ}$ induced by the global-local gate, rather than the maximum rank $r$. This result explains why sparse adaptive rank allocation can reduce the effective hypothesis complexity while preserving input-dependent expressiveness. Extensive experiments on diverse natural language benchmarks demonstrate that BaRA consistently improves predictive performance, robustness, and uncertainty calibration compared to standard LoRA and existing Bayesian LoRA variants.

Large Language Models usually put more emphasis on accuracy and therefore, will guess even when not certain about the prediction, which is especially severe when fine-tuned on small datasets due to the inherent tendency toward miscalibration. In this work, we introduce Bayesian-LoRA, which reformulates the deterministic LoRA update as a probabilistic low-rank representation inspired by Sparse Gaussian Processes. We identify a structural isomorphism between LoRA's factorization and Kronecker-factored SGP posteriors, and show that LoRA emerges as a limiting case when posterior uncertainty collapses. We conduct extensive experiments on various LLM architectures across commonsense reasoning benchmarks. With only approximately 0.42M additional parameters and ${\approx}1.2{\times}$ training cost relative to standard LoRA, Bayesian-LoRA significantly improves calibration across models up to 30B, achieving up to 84% ECE reduction and 76% NLL reduction while maintaining competitive accuracy for both in-distribution and out-of-distribution (OoD) evaluations.