The Home Borrowing Power settings determine how equity estimates are calculated and displayed to your members. These settings let you tailor the borrowing power logic to match your institution’s lending criteria, loan products, and messaging tone.

You can access these settings under Settings → Borrowing Power.

Loan-to-Value (LTV)

Set the maximum loan-to-value ratio (LTV) for your home equity offerings.

This percentage controls how much equity a homeowner can borrow against the estimated value of their home.

Filters

Filters let you fine-tune when and how borrowing power estimates are displayed based on property or homeowner characteristics.

To add a filter, click Add filter and choose from the following options:

• Confidence Score: Use Array’s data confidence score to show borrowing power only for homes where our valuation model is highly accurate. You may choose to exclude properties with low confidence scores to avoid unreliable estimates.
• Purchase Date: Filter by when the home was purchased. This is useful if you want to exclude recently purchased homes (where the homeowner has limited equity) or target long-term owners who likely have more built-up equity.
• Year Built: Filter based on the property’s construction year. You can use this to exclude very new or older homes if your lending criteria depend on property age.
• Owner Occupied: Limit borrowing power visibility to owner-occupied properties, excluding investment or rental homes.

Each filter can be used alone or combined with others to match your institution’s risk tolerance and lending policies.

Display Settings

Under Display Settings, you can define how both the Low and High ranges of Home Borrowing Power appear.

These ranges give members a sense of their potential borrowing amount based on conservative and aggressive estimates.

Low Range

Used to show a more conservative estimate. Ideal for a “fastest option” or pre-qualification scenario.

You can configure:

• Home Value Estimate: Choose which value to base the low estimate on:
  • Tax Assessed Value: Uses the local property tax record value.
  • My Home Value Estimate: Uses Array's proprietary midpoint estimate from our AVM, based on real-time data and confidence scoring.
  • Estimate (Min): Uses the lower bound of our confidence range.
  • Estimate (Max): Uses the upper bound of our confidence range (less common for low range).
• Minimum and Maximum Loan Amounts: Define the bounds for loans you want to display.
• Label: The name that appears to homeowners (e.g., “Low Estimate”).
• Tooltip Definition: The brief description that appears when users tap the (i) icon in the widget.

High Range

Used to display a higher potential borrowing estimate — typically the upper limit of what may be possible with a full appraisal or stronger qualification.

You can configure:

• Home Value Estimate: Same options as above (Tax Assessed, Home Value, Min, Max).
• Minimum and Maximum Loan Amounts: Defines the visible range for this scenario.
• Label: Shown to homeowners as the “High Estimate.”

• Tooltip Definition: Helps members understand what this estimate represents.

  
  ​Example: “Estimated borrowing potential with appraisal.” would appear to users as shown below:

  

What Homeowners See

When live, members will see a card like this inside their app:

Each estimate dynamically updates based on the user’s home value, loan balance, and your configured maximum LTV ratio.

What's Next?

• Campaigns Overview
• Offers Overview
• Analytics Dashboard