Ground Figures
Lenders → Loanunited.Com, LLC

Loanunited.Com, LLC

Independent mortgage co. · #242 by purchase decisions in 2025 · FHA 42% · VA 44%. Above 50% DTI on fha files it approved 83% of 281.

FHA · above 50% DTI
83%

approved of 281 decisions. Across all bands and programs: 86% of 1,648.

Purchase decisions
1,918
Approved, all
86%
Lender type
Independent mortgage co.
States with 50+ decisions
8

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.

FHA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%279
88%
15%
44–45%69
80%
14%
46–49%145
92%
42%
50–60%281
83%
46%

VA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%253
91%
4%
44–45%61
97%
0%
46–49%133
86%
0%
50–60%349
91%
12%
>60%49
51%
58%

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
-13 bps
Conventional median, no points
6.375%
FHA rate vs market
-12 bps
FHA median, no points
6.25%
VA rate vs market
+12 bps
VA median, no points
6.25%
Conventional median loan costs
$6,375
FHA median loan costs
$12,875
VA median loan costs
$8,625
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Credit history Credit history: 34% approved of 80 34% Debt-to-income ratio Debt-to-income ratio: 30% approved of 71 30% Other Other: 14% approved of 34 14% Unverifiable information Unverifiable information: 9% approved of 22 9% Employment history Employment history: 6% approved of 15 6% Insufficient cash Insufficient cash: 4% approved of 10 4% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 92% approved of 182 92% LTV 80–95% LTV 80–95%: 84% approved of 308 84% LTV >95% LTV >95%: 86% approved of 1,384 86%

Where it lends

Texas (393), Georgia (229), Florida (182), Virginia (180), California (156), Arizona (111), Colorado (79), North Carolina (53), South Carolina (46), Washington (45).

Compare Loanunited.Com, LLC with every lender in a state on the approvals, rates and fees pages.

Questions

Does Loanunited.Com, LLC approve loans with a DTI over 50%?

On fha purchase files in 2025, Loanunited.Com, LLC approved 83% of 281 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Loanunited.Com, LLC's rates competitive?

In 2025 its closed conventional loans were priced 13 basis points below the market median after matching LTV band and points paid.

Why does Loanunited.Com, LLC deny applications?

Its most common first-listed denial reason in 2025 was credit history (34% of denials), followed by debt-to-income ratio (30%).

Where does this come from?

Loanunited.Com, LLC'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 Loanunited.Com, LLC’s own filing. If a number looks wrong, write to us and we will re-run it.