---
title: "LTV/CLTV/HCLTV Ratio Calculator"
method: POST
path: "/v1/tools/compute_ltv_ratios"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# LTV/CLTV/HCLTV Ratio Calculator

`POST /v1/tools/compute_ltv_ratios`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_ltv_ratios`
- Auth: none declared

Loan-to-value, combined LTV, and home-equity combined LTV per Fannie Mae Selling Guide B2-1.1-03 and Freddie Mac Single-Family Seller/Servicer Guide 5401.1. Applies the lesser-of-value-or-price rule for purchases, appraised value for refinances, and includes the full HELOC credit limit (not just the drawn balance) in HCLTV. Feeds art-222-agency-eligibility-matrix as its LTV/CLTV/HCLTV inputs. Not check_agency_eligibility_matrix itself, which performs the full multi-check eligibility decision.

**Tool URL:** https://ainumbers.co/chaingraph/art-336-compute-ltv-ratios.html

## Request body

- object
  - `appraised_value` number
  - `first_lien_amount` number
  - `heloc_credit_limit` number
  - `sales_price` number
  - `subordinate_lien_amount` number
  - `transaction_type` unknown, required

## Response `200`

Successful tool execution result

- object
  - `appraised_value` integer
  - `cltv_pct` integer
  - `first_lien_amount` integer
  - `hcltv_pct` integer
  - `heloc_credit_limit` integer
  - `ltv_pct` integer
  - `note` string
  - `regulatory_basis` string
  - `sales_price` integer
  - `subordinate_lien_amount` integer
  - `transaction_type` string
  - `value_used` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)