But along with internal loan to value limits you should look at the OCC Advisory Letter AL 2003-7, about the OCC's real estate lending standards (12 C.F.R. 34, Subpart D, Appendix A). This deals with proper calculation of ltv limits, supervisory LTV limit for a finished lot loan and classifying high LTV loans and reporting them.
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Just working here until I get my letter from Hogwarts.