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Declining Markets CLTV Reductions
| State | Counties | Max CLTV | ||||
| Arizona | Mohave | -20% | ||||
| All Others | -10% | |||||
| California | Imperial, LA, Orange, Shasta, Tulare | -15% | ||||
| All Others | -10% | |||||
| Colorado | Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park, Weld | -5% | ||||
| Mesa | -20% | |||||
| Connecticut | All Counties | -5% | ||||
| DC | All Counties | -5% | ||||
| Florida | Baker, Bay, Clay, Collier, Duval, Escabia, Lake, Nassau, Orange, Osceola, Santa Rosa, Seminole, St. Johns | -20% | ||||
| Miami-Dade, Okaloosa | -25% | |||||
| All Others | -15% | |||||
| Maine | Cumberland, Sagadahoc, York | -5% | ||||
| Maryland | Montgomery, Washington | -10% | ||||
| All Others | -5% | |||||
| Massachusetts | Bristol | -5% | ||||
| North Carolina | Currituck | -10% | ||||
| Oregon | All Counties | -5% | ||||
| Virginia | Chesapeake, Frederick | -10% | ||||
| All Others | -5% | |||||
| Washington | Clark, Pierce, Thurston | -5% | ||||
| Asotin | -10% | |||||
| West Virginia | Jefferson | -5% | ||||
| Berkeley, Hampshire, Morgan | -10% | |||||
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