For the supervisory loan to value limits, if a property was not a "bucket" loan at inception, but re-appraisal for bank's benefit now results in a LTV that is higher than established limits, is the loan now considered a "bucket" loan?
I believe I have seen something that indicates it is not required to be listed as a "bucket" loan, but cannot pinpoint where I have seen that.

The guidance never addresses re-appraising during the life of the loan. The guidance refers to the loan to value at "loan origination".

I'm surprised, in today's real estate market, that the regulators have not addressed this issue. I would bet that quite a few "buckets" would be increasing.