loan-to-value ratio

Loan-to-value (LTV) is loan amount divided by collateral value at origination, a standard field in FHFA's PUDB acquisition files and a stratification dimension in NMDB aggregate tables.

Pairing LTV with a house price index lets analysts re-mark origination leverage to current values.

In this catalog it appears concretely: - FHFA PUDB (tagging) — "loan-to-value". - FHFA HPI (tagging) — "ltv benchmark". - FHFA National Mortgage Database (NMDB) Aggregate Statistics (granularity) — "One row per geography x market segment x period x statistic (long format)".

A table is only as good as the column you actually need. If this field is absent, sparsely populated or defined inconsistently across rows, no amount of surrounding richness rescues the analysis, so it deserves its own line in your evaluation checklist.

The failure mode is concrete: the label appears in a listing, the delivered files tell a different story, and the gap surfaces mid-project when fixing it is most expensive.

You rarely have to take a vendor's word for it. 82.4% of the 1,744 datasets Datadory catalogs are free to access, and FHFA PUDB lets you inspect the real artifact before any budget is committed.

Treat every claim of this attribute as testable:

1. Read FHFA PUDB's record on tagging — "loan-to-value" — then confirm the delivered artifact matches before you license anything.
2. Read FHFA HPI's record on tagging — "ltv benchmark" — then confirm the delivered artifact matches before you license anything.
3. Read FHFA National Mortgage Database (NMDB) Aggregate Statistics's record on granularity — "One row per geography x market segment x period x statistic (long format)" — then confirm the delivered artifact matches before you license anything.
4. Pin down update cadence in writing. Across this catalog, 22.6% of 1,744 datasets refresh daily and 64 still arrive only through a manual request form, so ask exactly how fresh each release is.
5. Check whether definitions are verified at all. Field definitions are verified for 1495 of 1,744 datasets (85.7%), and any source you license should meet that bar.
6. Price the delivery route before the license. In this catalog bulk download is the most common access method (725 datasets) ahead of official APIs (574), and 379 sources still require scraping — a maintenance cost that lands on you, not the vendor.

See the term applied to real records: commercial-residential-mortgage-finance data.

Adjacent concepts worth reading next: - borrower credit profile - debt to income ratio - GSE acquisitions - house price index