<prompt> Human: Condo valued at 97k in the appraisal with 68k left on the mortgage so the loan to value ratio should be around 70 right? Well the appraisal report listed it at 90. 80 or less is desirable from what I understand so why else would the bank deny the loan? Are there other factors involved that would affect LTV?  <response>: Ask the company you tried to refinance with. 