Estimated LTV at Origination

Obtain LTV estimates at origination for primary loans, informing loan performance analysis and risk evaluations.

Source: HouseCanary, Public Records

Pricing Tier: Premium

Updated: Monthly

Request Query Params

<table><tr><th>Property</th><th>Type</th><th>Description</th><th>Example</th></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>ltv</td><td>number</td><td>Estimated loan-to-value ratio (LTV) at time of origination</td><td>0.75</td> <td></td></tr> <tr><td>lien</td><td>integer</td><td>Amount in dollars financed</td><td>200000</td> <td></td></tr> <tr><td>value</td><td>integer</td><td>Dollar value of the property. May be null in cases where no liens are present (leading to a 0 LTV) and a value is unavailable.</td><td>280000</td> <td></td></tr> <tr><td>source</td><td>string</td><td>Source from which value is derived. One of: deed, mls, avm_block, avm_blockgroup, avm_zip, avm_msa, avm_state</td><td>mls</td> <td>[deed, mls, avm_block, avm_blockgroup, avm_zip, avm_msa, avm_state]</td></tr> </table>

[
  {
    "property/ltv_origination": {
      "result": {
        "ltv": 0.75,
        "lien": 200000,
        "value": 280000,
        "source": "mls"
      }
    },
    "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"
        ]
      }
    }
  }
]