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Absolute Home Mortgage

Independent mortgage co. · #204 by purchase decisions in 2025 · Conventional 57% · FHA 39%. Above 50% DTI on fha files it approved 95% of 355.

FHA · above 50% DTI
95%

approved of 355 decisions. Across all bands and programs: 96% of 2,205.

Purchase decisions
2,300
Approved, all
96%
Lender type
Independent mortgage co.
States with 50+ decisions
6

Approval by DTI band

Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.

Conventional

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%759
98%
18%
44–45%149
98%
0%
46–49%394
97%
9%

FHA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%277
94%
6%
44–45%73
95%
0%
46–49%179
96%
0%
50–60%355
95%
21%

Rates and costs

Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.

Conventional rate vs market
+16 bps
Conventional median, no points
6.75%
FHA rate vs market
+32 bps
FHA median, no points
6.625%
VA rate vs market
+50 bps
VA median, no points
6.625%
Conventional median loan costs
$6,375
FHA median loan costs
$13,625
VA median loan costs
$10,875
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Debt-to-income ratio Debt-to-income ratio: 26% approved of 16 26% Credit history Credit history: 23% approved of 14 23% Other Other: 13% approved of 8 13% Insufficient cash Insufficient cash: 13% approved of 8 13% Unverifiable information Unverifiable information: 11% approved of 7 11% Collateral Collateral: 8% approved of 5 8% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 98% approved of 678 98% LTV 80–95% LTV 80–95%: 96% approved of 589 96% LTV >95% LTV >95%: 94% approved of 995 94%

Where it lends

New Jersey (1,176), Pennsylvania (329), Florida (288), New York (243), Delaware (59), Ohio (58), South Carolina (31), Tennessee (22), Maryland (21), Connecticut (20).

Compare Absolute Home Mortgage with every lender in a state on the approvals, rates and fees pages.

Questions

Does Absolute Home Mortgage approve loans with a DTI over 50%?

On fha purchase files in 2025, Absolute Home Mortgage approved 95% of 355 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Absolute Home Mortgage's rates competitive?

In 2025 its closed conventional loans were priced 16 basis points above the market median after matching LTV band and points paid.

Why does Absolute Home Mortgage deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (26% of denials), followed by credit history (23%).

Where does this come from?

Absolute Home Mortgage's own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.

Method

Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.

Corrections

Every figure traces to Absolute Home Mortgage’s own filing. If a number looks wrong, write to us and we will re-run it.