Valuation

Analytics

ClearAVM™
Accurate, instant valuations

Property Analytics API
Customized valuation reports

Rental AVM
Instant monthly market rents

ClearProp^®
Interactive valuation tool

Appraisals

Traditional Appraisal
Full suite of appraisal services

Property Valuation API
For modern valuation products

Hybrid Appraisal
GSE 1004 Hybrid/70H appraisal

Desktop Appraisal
GSE 1004 Desktop/70D appraisal

Property Valuations and Inspections

Broker Price Opinion
Morningstar’s top-rated BPO

Commercial BPO
Appraisal alternative

Residential Evaluation
For residential loans <$400k

Commercial Evaluation
For commercial loans <$500k

Property Condition Inspection (PCI)
Risk summary report

Post Disaster Inspection (PDI)
Exterior condition report

Appraisal Risk

Collateral Desktop Analysis (CDA®)
Review of origination appraisal

Value Reconciliation
Reviews multiple valuations

AURA^®
Appraisal underwriting risk analyzer

ClearCollateral® Review
Automated underwriting review

Data Collection

Universal Data Collection^® (UDC^®)
Delivers GSE data standards

Inspection Tools

CubiCasa®
Automated floor plan app

All Products

PropertyNova™ Data

Tax Assessment Data
Property and value details

Recorder Deed Data
Ownership and transfer info

Home Data Index (HDI®)
Market data and trends

About PropertyNova™

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Data

PropertyNova™ Data

Tax Assessment Data
Property and value details

Recorder Deed Data
Ownership and transfer info

Home Data Index (HDI®)
Market data and trends

About PropertyNova™

Analytics

ClearAVM™
Accurate, instant valuations

Rental AVM
Instant monthly market rents

Property Analytics API
Customized valuation reports

All Products

Featured Resources

[ebook] Unlocking the Power of Public Records Property Data

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Home Data Index (HDI®) Market Reports

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ClearAVM™ Quarterly Performance Report

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Contact Us

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Solutions

By Market

Mortgage Origination

Order from a variety of reliable valuations to fit your needs

Home Equity

Expedite valuations and mitigate risk

Capital Markets

Perform due diligence on your portfolio

GSEs

Access appraisal modernization tools

Servicing

Assess your mortgage loan portfolio

Insurance

Understand collateral risk and property conditions

PropTech

Gain property data insights

FinTech

Gather insights for accurate modeling

Real Estate

Reduce friction in your real estate transactions

Single-Family Rental and Build-to-Rent

Maximize income from your asset management portfolio

By Organizational Role

Loan Officer

Close loans confidently

Underwriter

Automate collateral underwriting review

Servicer

Assess your mortgage loan portfolio

Risk Management

Mitigate lending risk

Appraiser

Enhance your workflow

Real Estate Agent/Broker

Improve your real estate listings

Investor

Expand your portfolio

All Solutions

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Resources

Connect

Events

Check out upcoming events, conferences, and webinars.

Podcast

Listen and watch ClearCast, the Real Estate Fintech Podcast.

Newsroom

Read our latest press releases and media coverage.

Learn

Blog

Read the latest articles and stories from the industry.

Video

Watch the latest webinars, speaking sessions, and demos.

Market Reports

Review our latest HDI™ report for market data and trends.

eBooks

Browse our library of free eBooks.

Case Studies & White Papers

Read our white papers for insights and knowledge.

Glossary

Learn about the terms used in the industry.

All Resources

Featured Resources

Stay competitive with Freddie Mac’s ACE+ PDR and the new UPD

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[Case study] National mortgage banker cuts time and cost spend in half, increases efficiency

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[Case study] Hitch boosts valuation accuracy, enhances customer experience, and approves 30% more loans

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Company
Clear Capital

About Us

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Meet and learn about our Executive Leadership team.

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Life at Clear Capital

Learn about what unites us.

Partners

Let’s transform the mortgage industry and grow together!

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Appraiser Network

Join the independent appraiser network with heart.

Broker and Agent Network

Work with the nation’s top lenders, servicers, and investors.

AMC Registrations

View our license/registration numbers.
Featured Blog Posts

July 1, 2025

June 2025 Home Data Index Market Report

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June 30, 2025

How to select a property data provider: 6 things to consider

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June 4, 2025

May 2025 Home Data Index Market Report

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Contact Us

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Loan-to-Value Ratio

Loan-to-Value Ratio

Loan-to-Value Ratio is the ratio that compares the total mortgage loan to the value of the property after it has been appraised. The ratio is calculated by dividing the mortgage loan amount by the property value.

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Back to glossary

Latest from our blog

July 1, 2025

June 2025 Home Data Index Market Report

June 30, 2025

How to select a property data provider: 6 things to consider

June 4, 2025

May 2025 Home Data Index Market Report

View all blog posts

View all blog posts

Learn more about Clear Capital

Leadership team

Leadership team

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