Ground Figures
Lenders → Mortgage Investors Group

Mortgage Investors Group

Independent mortgage co. · #151 by purchase decisions in 2025 · Conventional 56% · FHA 36%. Above 50% DTI on fha files it approved 95% of 324.

FHA · above 50% DTI
95%

approved of 324 decisions. Across all bands and programs: 97% of 3,186.

Purchase decisions
3,442
Approved, all
97%
Lender type
Independent mortgage co.
States with 50+ decisions
7

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%1,452
98%
25%
44–45%163
98%
67%
46–49%315
98%
14%

FHA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%622
97%
43%
44–45%99
99%
0%
46–49%187
95%
22%
50–60%324
95%
53%

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
+10 bps
Conventional median, no points
6.75%
FHA rate vs market
+7 bps
FHA median, no points
6.375%
VA rate vs market
+22 bps
VA median, no points
6.5%
Conventional median loan costs
$5,125
FHA median loan costs
$9,875
VA median loan costs
$4,875
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: 54% approved of 33 54% Collateral Collateral: 20% approved of 12 20% Insufficient cash Insufficient cash: 10% approved of 6 10% Other Other: 7% approved of 4 7% Employment history Employment history: 5% approved of 3 5% Credit history Credit history: 3% approved of 2 3% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 98% approved of 1,108 98% LTV 80–95% LTV 80–95%: 98% approved of 894 98% LTV >95% LTV >95%: 95% approved of 1,412 95%

Where it lends

Tennessee (2,495), Mississippi (233), North Carolina (171), Alabama (123), Georgia (121), Kentucky (118), Arkansas (109), South Carolina (30), Virginia (23), Florida (14).

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

Questions

Does Mortgage Investors Group approve loans with a DTI over 50%?

On fha purchase files in 2025, Mortgage Investors Group approved 95% of 324 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Mortgage Investors Group's rates competitive?

In 2025 its closed conventional loans were priced 10 basis points above the market median after matching LTV band and points paid.

Why does Mortgage Investors Group deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (54% of denials), followed by collateral (20%).

Where does this come from?

Mortgage Investors Group'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 Mortgage Investors Group’s own filing. If a number looks wrong, write to us and we will re-run it.