Every lender’s real answer, from its own filings.
2,933,246 mortgage decisions, 2,523 lenders, one year. Who approves at your ratio, what they charged, and why they said no. Checked by a licensed loan officer.
of files that reached a decision were approved. Through 49% it was 95%. The wall is at fifty, not forty-five.
Above fifty, who you apply with decides it.
Same ratio, same program, same state. Credit unions lend their own money and keep approving; the national lenders sell to the agencies and stop.
See every lender in your state →Every lender with real volume, one page each. The data writes it.
All lenders →Cites DTI in 84% of conventional denials in the band.
Holds its loans. Approves high-ratio files at nearly its ordinary rate.
Largest FHA lender above 50% DTI in the country: 23,342 decisions.
By state, program and lender. 52 state pages.
Closed-loan rates by lender, program, LTV and points paid.
Origination charges, points, credits, total loan costs.
Same ratio, different state. Every state has a page.