Median CLTV ratio for mortgages in the U.S. 2019-2023, by loan type

Published by Statista Research Department, Feb 28, 2024

The median combined loan to value (CLTV) ratio in the United States varied greatly among different mortgage types between 2019 and 2023. The CLTV ratio represents the cumulative value of debt on a property relative to its value. A high ratio means a buyer contributes a smaller down payment as the mortgage provider hands out a relatively large loan. A lower CLTV means a smaller loan and less risk for mortgage providers but requires larger contributions from consumers. In the third quarter of 2023, HELOC loans had a CLTV of 65.65.

Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type

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Release date

February 2024

Region

United States

Survey time period

Q1 2019 to Q3 2023

Special properties

mortgage applications

Supplementary notes

FHA loans refers to loans from private lenders, regulated by the Federal Housing Administration.

HELOC or home equity line of credit is a loan that allows borrowers to borrow against their home equity.

RHS loans or Rural Housing Service loans refers to loans to moderate-income rural residents for home purchasing, construction, and repair.

VA loans stands for Veteran Affairs loans, or mortgages to servicemembers, veterans, and their families.

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