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#2258950 - 08/30/21 06:46 PM Supervisory Loan-to-Value Limits
Multiple Hats Offline
100 Club
Joined: Jul 2008
Posts: 213
The aggregate amount of all loans in excess of the supervisory loan-to-value limits should not exceed 100 percent of total capital.4 Moreover, within the aggregate limit, total loans for all commercial, agricultural, multifamily or other non-1-to-4 family residential properties should not exceed 30 percent of total capital. An institution will come under increased supervisory scrutiny as the total of such loans approaches these levels.

Does 1-to-4 family residential properties also fall under the 30% rule or is it just for the other categories (commercial, ag, multifamily and other non-1-to-4 family residential properties)?

Does anyone have an example of a "other non-1-to-4 family residential property that isn't a commercial, ag or multifamily loan?

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Lending Compliance
#2258952 - 08/30/21 06:53 PM Re: Supervisory Loan-to-Value Limits Multiple Hats
Tater Offline
Platinum Poster
Joined: Jan 2006
Posts: 642
Missouri
Q1 - the non-1-4 family is evaluated as a separate homogenous subcategory (at least in the OCC world)

Q2 - we look at raw land held for consumer purposes as "other non-1-to-4 family property". Hunting ground, perhaps. A vacant lot. Etc.

Just my $0.02
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