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Average LTV ratio in the U.S. 2019, by state

The loan-to-value ratios in Kansas, Louisiana and Kentucky amounted to 79 percent in 2019, which means that on average the value of mortgages constituted 79 percent of the value of the residential property in those states. The LTV ratio is calculated by dividing the mortgage amount by the purchase price of the home. The trend seems to be that southern and midwestern states have higher ratios than those in the Northeast or West of the country, which is in line with regional home prices. Areas with higher home prices tend to have lower LTV ratios.

What is the LTV ratio used for?

Lenders use this ratio to determine how risky a loan is, because a higher ratio means that the loan is riskier to the lender. Generally, a good LTV ratio for a home loan is 80 percent or lower, which means that the loan is worth 80 percent of less of the value of the home. Loans are granted if the ratio is higher than that, but only if the loan applicant takes out mortgage guaranty insurance, also known as private mortgage insurance, to cover the lender.

Average loan to value ratio in the United States in 2019, by state

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Release date

February 2019


United States

Survey time period


Supplementary notes

Data only include properties with a mortgage.

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