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Blended rates.... Interesting!! Jesi L. Daniel Branch Manager NMLS #: 1303221 SMART Federal Credit Union P: 614-261-0650 F: 614-261-0886 "Act as if what you do makes a difference. It does." William James, American Philosopher & Psychologist ...

Good post. Its definitely been a challenging year or two. We have always lent up to 100% of NADA retail value plus our sales tax rate for qualified borrowers. That equates  roughly to 107%.  We have seen some vehicle LTV's come in at 125% or more. For qualified borrowers we have made some of those loans. ...

Has anyone been experiencing LTV issues with regard to their current lending policies vs. the price inflation of vehicles? Are you adjusting your policies to take on more risk? Requiring down payments? Would love to hear about it!  Thank you, ------------------------------ Jesi Daniel SMART FCU Columbus ...