LTV Data: Find the Prospects Your Product Was Built For

Modex now filters loan officers, branches, and companies by loan-to-value (LTV), giving mortgage insurance AEs and rehab lenders a direct way to target prospects who already need their product.

What Is Loan-to-Value (LTV) in Mortgage Lending?

Loan-to-value (LTV) is the loan amount divided by the property's value at the time of purchase. A borrower putting 20% down on a $400,000 home has an 80% LTV. A renovation loan that finances more than the home's current worth can push past 100% LTV.

On its own, LTV is a single-loan underwriting number. Aggregated across dozens or hundreds of an LO's closed loans in Modex, average LTV becomes a fingerprint for that LO's entire client base, and a filter AEs can use to find the right prospect before making a single call.

Which LTV Range Signals a Mortgage Insurance Prospect?

An average LTV of 90% or higher signals a strong Mortgage Insurance (MI) prospect. MI enters the picture once a borrower's down payment drops below 20% (80% LTV), so a loan officer's average LTV is a close proxy for how much MI-eligible business runs through their pipeline. Producers averaging 90%+ LTV are typically heavy in FHA, VA, USDA, and first-time homebuyer loans, the borrower types who need mortgage insurance to close.

MI AEs can filter Modex for average LTV by geography, layer in production volume and tenure, and walk into every conversation already knowing the prospect needs what they're selling, instead of cold-calling every LO in a territory.

Which LTV Range Signals a Rehab Lending Prospect?

An average LTV above 100% signals a strong rehab lending prospect. An LTV over 100% means a loan financed more than the property was worth at the time of purchase, the hallmark of a renovation or rehab loan, where the loan amount covers both the purchase price and the cost of repairs. LOs and branches with a pattern of over-100% LTV loans are already closing rehab business, making them a direct match for lenders selling 203(k), HomeStyle Renovation, or hard money rehab products.

Filtering for this LTV band surfaces producers already fluent in rehab paperwork and draw schedules, saving AEs the time of introducing a product category from scratch.

How Does Modex Deliver LTV Data?

Modex filters average LTV alongside the data you already use, production volume, product mix, workforce moves, licensing, and tenure, across 2,370 counties, covering 95% of U.S. residential home loans, sourced directly from county-level deeds of trust. Where available, matching profiles include the contact data to act on it immediately: work email, mobile, office phone, LinkedIn, and more, exportable to CSV or synced straight to your CRM.

Frequently Asked Questions

What LTV range should Mortgage Insurance AEs target in Modex? 90% or higher. That range identifies loan officers whose client base is concentrated in FHA, VA, USDA, and first-time homebuyer loans, where MI is typically required.

What LTV range should rehab lenders target in Modex? Above 100%. That range identifies loan officers and branches already closing renovation and rehab loans, since the financed amount exceeds the property's purchase-time value.

What data sources power Modex's LTV filter? County-level deed-of-trust records across 2,370 counties, covering 95% of U.S. residential home loans.

Log in to Modex to start filtering by LTV today.