def calculate_loan_to_value_ratio(loan_amount, home_value):
    """Calculates users loan to value ratio based on inputs.

    Args:
        loan_amount (int): The requested loan amount.
        home_value (int): The home value.

    Returns:
        The loan-to-value ratio.
    """
    loan_to_value_ratio = int(loan_amount) / int(home_value)
    return loan_to_value_ratio