More than 10 per cent of new mortgages have loan-to-valuation ratios of more than 90 per cent and more than 30 per cent have LVRs of above 80 per cent.Yesterday, the Australian Prudential Regulation Authority launched a new data series, detailing the property exposures of authorised deposit-taking institutions.At the end of June, ADIs held commercial property exposures worth A$213 billion, and residential term loans to households were worth $1.13 trillion.The major banks have $186 billion of the commercial property exposure and $918 billion of the residential term loan exposure.Of the $79 billion of new residential term loans approved by ADIs in the June quarter, $10.6 billion (or 13.5 per cent) had loan-to-valuation ratios of above 90 per cent. Another 19.3 per cent of the value of loans approved in the June quarter had loan-to-valuation ratios of between 80 per cent and 90 per cent.Only $572 million of bank loans were low-doc loans. Low-doc loans made up 0.7 per cent of new residential term loans by all ADIs in the June quarter and four per cent of all outstanding residential term loans.The average loan size of outstanding residential mortgages was $230,000, compared with the average size of a new mortgage of around $300,000.In three per cent of cases (by value), residential mortgages were approved outside serviceability, which means that the lender considered that an exception to its serviceability test was appropriate.