Estimated LTV Details (Batch)

Access comprehensive LTV data for properties, supporting mortgage and refinance decision-making. Access comprehensive data on the estimated loan-to-value ratio (LTV) for properties. Receive granular information on grantors, grantees, monthly payments, current interest rates, original lien amounts, loan duration, progress made, outstanding principal, principal paid, record and due dates, ARM specifics, and more. Additionally, the endpoint delivers summary data covering equity, monthly payments, lien amounts, notice IDs, and property valuations.

Active liens' paydown is calculated based on available lien terms, factoring in details such as ARM and interest-only periods when applicable. The response includes a sorted list of notice IDs with corresponding descriptions, which highlight findings during LTV generation and their usual impact on the calculation. This is particularly useful for helping drive refinancing or loan origination analysis.

Source: HouseCanary, Public Records, Freddie Mac

Pricing Tier: Premium

Updated: Monthly

Request Body Fields

<table><tr><th>Field</th><th>Type</th><th>Description</th><th>Example</th></tr> <tr><td>[]</td><td>object</td><td></td><td></td> </tr> <tr><td>[].slug</td><td>string</td><td>Unique readable string identifier for the property</td><td>123-Main-St-Apt-1B-San-Francisco-CA-94132</td> </tr> <tr><td>[].address</td><td>string</td><td>Either a single URL-safe string ("slug") identifying the address, or just a building number, street name, and optionally unit number (if not a slug the payload must also include other identifiers)</td><td>123 Main St</td> </tr> <tr><td>[].unit</td><td>string</td><td>Unit number for the property, if needed and not already specified in the address string</td><td>Apt 1B</td> </tr> <tr><td>[].city</td><td>string</td><td>City in which the property is located</td><td>San Francisco</td> </tr> <tr><td>[].state</td><td>string</td><td>2-letter acronym of the US state in which the property is located</td><td>CA</td> </tr> <tr><td>[].zipcode</td><td>string</td><td>5-digit US zipcode in which the property is located</td><td>94105</td> </tr> </table>

Response

<table><tr><th>Field</th><th>Type</th><th>Description</th><th>Example</th><th>Enum Values</th></tr> <tr><td>as_of_month</td><td>string</td><td>Year and month of the processing date for the loan to value calculation</td><td>2023-07</td> <td></td></tr> <tr><td>fsd</td><td>number</td><td>Forecast standard deviation for the Housecanary AVM as of the as_of_month</td><td>0.08</td> <td></td></tr> <tr><td>in_default</td><td>boolean</td><td>Whether the lien is in default</td><td>true</td> <td></td></tr> <tr><td>last_default_date</td><td>string</td><td>Date of last default, if one exists</td><td>2022-12-20</td> <td></td></tr> <tr><td>ltv_lwr</td><td>number</td><td>Estimated LTV lower bound. Calculated as total_lien / property_value_upr</td><td>0.8</td> <td></td></tr> <tr><td>ltv_mean</td><td>number</td><td>Estimated LTV. Calculated as total_lien / property_value_upr</td><td>0.75</td> <td></td></tr> <tr><td>ltv_upr</td><td>number</td><td>Estimated LTV upper bound. Calculated as total_lien / property_value_lwr</td><td>0.78</td> <td></td></tr> <tr><td>property_value_lwr</td><td>integer</td><td>HouseCanary lower bound AVM as of the as_of_month</td><td>350000</td> <td></td></tr> <tr><td>property_value_mean</td><td>integer</td><td>HouseCanary automated monthly value AVM as of the as_of_month. Created using a robust model ensemble methodology.</td><td>375000</td> <td></td></tr> <tr><td>property_value_upr</td><td>integer</td><td>HouseCanary upper bound AVM as of the as_of_month</td><td>390000</td> <td></td></tr> <tr><td>total_equity_lwr</td><td>integer</td><td>Lower bound estimated equity as of the as_of_month. Calculated as property_value_lwr - total_lien.</td><td>75000</td> <td></td></tr> <tr><td>total_equity_mean</td><td>integer</td><td>Mean estimated equity as of the as_of_month. Calculated as property_value_mean - total_lien.</td><td>80000</td> <td></td></tr> <tr><td>total_equity_upr</td><td>integer</td><td>Upper bound estimated equity as of the as_of_month. Calculated as property_value_upr - total_lien.</td><td>85000</td> <td></td></tr> <tr><td>total_lien</td><td>integer</td><td>Estimated total lien amount currently on the property</td><td>300000</td> <td></td></tr> <tr><td>total_monthly_payments</td><td>integer</td><td>Estimated total monthly payments. Sum of all monthly_payment values of current_liens.</td><td>1800</td> <td></td></tr> <tr><td>total_notice_ids</td><td>array</td><td>Complete list of all notice_ids on all liens</td><td><pre id="json">[ 101, 102, 103 ]</pre></td> <td></td></tr> <tr><td>total_notice_ids[]</td><td>integer</td><td></td><td></td> <td></td></tr> <tr><td>current_liens</td><td>array</td><td>List of current liens on the property ordered by due date, soonest to furthest in the future</td><td></td> <td></td></tr> <tr><td>current_liens[]</td><td>object</td><td></td><td></td> <td></td></tr> <tr><td>current_liens[].arm_change_date</td><td>string</td><td>Date that the ARM will change from fixed rate to adjustable (if applicable)</td><td>2022-03-15T12:00:00Z</td> <td></td></tr> <tr><td>current_liens[].arm_index</td><td>string</td><td>ARM index followed by the lien</td><td>libor_6m</td> <td>[cd_6m, cofi, libor_1m, libor_1y, libor_2m, libor_3m, libor_6m, mta_12m, prime, tbill_10y, tbill_1y, tbill_3y, tbill_5y, tbill_6m]</td></tr> <tr><td>current_liens[].due_date</td><td>string</td><td>The date the lien is scheduled to be paid-in-full</td><td>2038-12-01</td> <td></td></tr> <tr><td>current_liens[].grantee_1</td><td>string</td><td>Last name of first person listed on lien</td><td>Smith</td> <td></td></tr> <tr><td>current_liens[].grantee_1_forenames</td><td>string</td><td>First name of first person listed on lien</td><td>John</td> <td></td></tr> <tr><td>current_liens[].grantee_2</td><td>string</td><td>Last name of second person listed on lien</td><td>Johnson</td> <td></td></tr> <tr><td>current_liens[].grantee_2_forenames</td><td>string</td><td>First name of second person listed on lien</td><td>Jane</td> <td></td></tr> <tr><td>current_liens[].grantor_1</td><td>string</td><td>Name of the primary financier of the lien</td><td>Bank of America</td> <td></td></tr> <tr><td>current_liens[].grantor_2</td><td>string</td><td>Name of the secondary financier of the lien</td><td>Wells Fargo</td> <td></td></tr> <tr><td>current_liens[].heloc</td><td>boolean</td><td>Whether the loan is a home equity line of credit</td><td></td> <td></td></tr> <tr><td>current_liens[].interest_rate</td><td>number</td><td>The estimated interest rate, based on mortgage_years and FRED rates</td><td>4.5</td> <td></td></tr> <tr><td>current_liens[].is_arm</td><td>boolean</td><td>Whether the lien is an adjustable rate mortgage</td><td>true</td> <td></td></tr> <tr><td>current_liens[].lender_type</td><td>string</td><td>Entity making the loan.</td><td>mortgage_company</td> <td>[bank, credit_union, finance_company, government, individual_private_party, insurance, internet, lending_institution, mortgage_company, other_company, reo_foreclosure_company, seller, subprime_lender]</td></tr> <tr><td>current_liens[].lien_amount</td><td>integer</td><td>Amount in dollars financed</td><td>250000</td> <td></td></tr> <tr><td>current_liens[].lien_length_months</td><td>integer</td><td>Duration of the lien in months</td><td>360</td> <td></td></tr> <tr><td>current_liens[].lien_months_completed_as_of_date</td><td>integer</td><td>Number of months matured by the lien</td><td>120</td> <td></td></tr> <tr><td>current_liens[].lien_type</td><td>string</td><td>The type of lien acquired. One of [arm, commercial, construction, conventional, fannie_mae_freddie_mac (These entities don't originate anymore; most conventional meet criteria), farmers_home_administration, fha, land_contract, open_end, revolving_credit_line, second_to_cover_down_payment, seller_take_back, stand_alone_first, stand_alone_refi, stand_alone_second, state_veterans, usda, va]</td><td>conventional</td> <td>[arm, commercial, construction, conventional, fannie_mae_freddie_mac, farmers_home_administration, fha, land_contract, open_end, revolving_credit_line, second_to_cover_down_payment, seller_take_back, stand_alone_first, stand_alone_refi, stand_alone_second, state_veterans, usda, va]</td></tr> <tr><td>current_liens[].monthly_payment</td><td>integer</td><td>Monthly lien payment (not including escrow)</td><td>1500</td> <td></td></tr> <tr><td>current_liens[].notice_ids</td><td>array</td><td>Any notices of default on the lien (if they exist)</td><td><pre id="json">[ 201, 202 ]</pre></td> <td></td></tr> <tr><td>current_liens[].notice_ids[]</td><td>integer</td><td></td><td></td> <td></td></tr> <tr><td>current_liens[].outstanding_principal</td><td>integer</td><td>Estimated outstanding principal owed on the lien.</td><td>200000</td> <td></td></tr> <tr><td>current_liens[].principal_paid_as_of_date</td><td>integer</td><td>Estimated paid principal. lien_amount - outstanding_principal</td><td>50000</td> <td></td></tr> <tr><td>current_liens[].record_date</td><td>string</td><td>Date the lien originated</td><td>2010-05-15</td> <td></td></tr> <tr><td>current_liens[].stand_alone_refi</td><td>boolean</td><td>Whether the refinance occurred with no concurrent loans</td><td>true</td> <td></td></tr> </table> <table> <tr> <th>Notice ID</th> <th>Description</th> <th>Typical Impact</th> </tr> <tr><td>0</td><td>Due date unavailable</td><td>moderate</td></tr> <tr><td>1</td><td>Record date unavailable</td><td>moderate</td></tr> <tr><td>5</td><td>Estimated interest rate</td><td>moderate</td></tr> <tr><td>6</td><td>ARM rate change year unavailable</td><td>moderate ARM assumptions</td></tr> <tr><td>7</td><td>Not variable from start ARM, missing ARM rate change year, no rate change frequency available</td><td>ARM treated as fixed</td></tr> <tr><td>8</td><td>Not variable from start ARM, deriving missing ARM rate change year from rate change frequency</td><td>moderate ARM assumptions</td></tr> <tr><td>9</td><td>ARM rate change month &amp; day assumed</td><td>minor ARM assumptions</td></tr> <tr><td>10</td><td>ARM rate change day assumed</td><td>minor ARM assumptions</td></tr> <tr><td>11</td><td>Malformed ARM rate change date</td><td>ARM treated as fixed</td></tr> <tr><td>12</td><td>Assuming ARM rate change frequency is annual</td><td>moderate ARM assumptions</td></tr> <tr><td>13</td><td>ARM fixed period duration malformed/errors-in-deriving</td><td>ARM treated as fixed</td></tr> <tr><td>14</td><td>ARM fixed period duration too long, so as to be malformed/errors-in-deriving</td><td>ARM treated as fixed</td></tr> <tr><td>15</td><td>Assuming ARM interest only duration is equal to fixed period duration</td><td>minor ARM assumptions</td></tr> <tr><td>16</td><td>Malformed ARM interest only duration, disregarding interest only period</td><td>moderate ARM assumptions</td></tr> <tr><td>18</td><td>In fixed ARM period but using estimated initial fixed rate</td><td>moderate ARM assumptions</td></tr> <tr><td>19</td><td>Assuming LIBOR_6M as ARM index</td><td>moderate ARM assumptions</td></tr> <tr><td>20</td><td>Unable to retrieve ARM index rates</td><td>ARM treated as fixed</td></tr> <tr><td>21</td><td>Assumptions made in ARM index rate fetch</td><td>moderate ARM assumptions</td></tr> <tr><td>22</td><td>ARM delta from index missing</td><td>ARM treated as fixed</td></tr> <tr><td>24</td><td>No interest only period in ARM and estimating initial fixed rate</td><td>moderate ARM assumptions</td></tr> <tr><td>25</td><td>Unable to retrieve ARM index rate as of required calculation date</td><td>ARM treated as fixed</td></tr> <tr><td>26</td><td>ARM rate index greater than 6 months out of date to required date</td><td>moderate ARM assumptions</td></tr> <tr><td>27</td><td>ARM rate index out of date by at most 6 months to required date</td><td>minor ARM assumptions</td></tr> <tr><td>28</td><td>Last sale transfer date unavailable</td><td>minor</td></tr> <tr><td>29</td><td>Lien length estimated</td><td>moderate</td></tr> <tr><td>30</td><td>Lien determined to be active via heuristic filtering</td><td>moderate</td></tr> </table>

[
  {
    "slug": "123-Main-St-Apt-1B-San-Francisco-CA-94132",
    "address": "123 Main St",
    "unit": "Apt 1B",
    "city": "San Francisco",
    "state": "CA",
    "zipcode": "94105"
  }
]

[
  {
    "property/ltv_details": {
      "result": {
        "as_of_month": "2023-07",
        "fsd": 0.08,
        "in_default": true,
        "last_default_date": "2022-12-20",
        "ltv_lwr": 0.8,
        "ltv_mean": 0.75,
        "ltv_upr": 0.78,
        "property_value_lwr": 350000,
        "property_value_mean": 375000,
        "property_value_upr": 390000,
        "total_equity_lwr": 75000,
        "total_equity_mean": 80000,
        "total_equity_upr": 85000,
        "total_lien": 300000,
        "total_monthly_payments": 1800,
        "total_notice_ids": [
          101,
          102,
          103
        ],
        "current_liens": [
          {
            "arm_change_date": "2022-03-15T12:00:00Z",
            "arm_index": "libor_6m",
            "due_date": "2038-12-01",
            "grantee_1": "Smith",
            "grantee_1_forenames": "John",
            "grantee_2": "Johnson",
            "grantee_2_forenames": "Jane",
            "grantor_1": "Bank of America",
            "grantor_2": "Wells Fargo",
            "interest_rate": 4.5,
            "is_arm": true,
            "lender_type": "mortgage_company",
            "lien_amount": 250000,
            "lien_length_months": 360,
            "lien_months_completed_as_of_date": 120,
            "lien_type": "conventional",
            "monthly_payment": 1500,
            "notice_ids": [
              201,
              202
            ],
            "outstanding_principal": 200000,
            "principal_paid_as_of_date": 50000,
            "record_date": "2010-05-15",
            "stand_alone_refi": true
          }
        ]
      }
    },
    "address_info": {
      "address_full": "123 Main St San Francisco CA 94132",
      "slug": "123-Main-St-Apt-1B-San-Francisco-CA-94132",
      "address": "123 Main St",
      "unit": "Apt 1B",
      "city": "San Francisco",
      "state": "CA",
      "zipcode": "94132",
      "zipcode_plus4": "1234",
      "block_id": "060750313013007",
      "blockgroup_id": "060750201004",
      "county_fips": "06075",
      "metrodiv": "41860",
      "msa": "41860",
      "geo_precision": "rooftop",
      "lat": 37.789,
      "lng": -122.401,
      "status": {
        "match": true,
        "details": [
          "Address fully verified"
        ],
        "requested_item": {
          "zipcode": "94132",
          "address": "123+Main+St"
        },
        "changes": [
          "State added or changed"
        ]
      }
    }
  }
]