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
Characteristic
Conventional Conforming
Conventional Non-Conforming
FHA
HELOC
RHS/FSA
VA
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FFIEC. (February 28, 2024). Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type [Graph]. In Statista. Retrieved July 22, 2024, from https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/
FFIEC. "Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type." Chart. February 28, 2024. Statista. Accessed July 22, 2024. https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/
FFIEC. (2024). Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type. Statista. Statista Inc.. Accessed: July 22, 2024. https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/
FFIEC. "Median Combined Loan to Value (Cltv) Ratio for Mortgages in The United States from 1st Quarter 2019 to 3rd Quarter 2023, by Loan Type." Statista, Statista Inc., 28 Feb 2024, https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/
FFIEC, Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type Statista, https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/ (last visited July 22, 2024)
Median combined loan to value (CLTV) ratio for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2023, by loan type [Graph], FFIEC, February 28, 2024. [Online]. Available: https://www.statista.com/statistics/1362180/median-cltv-ratio-in-the-us-by-loan-type/