Schoolsfirst FCU
Credit union · #271 by purchase decisions in 2025 · Conventional 99%. Above 50% DTI on conventional files it approved 97% of 234.
approved of 234 decisions. Across all bands and programs: 98% of 1,705.
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 band | Decisions | Approved · denied | Denials citing DTI |
|---|---|---|---|
| ≤43% | 995 | 0% | |
| 44–45% | 153 | 0% | |
| 46–49% | 279 | 20% | |
| 50–60% | 234 | 33% | |
| >60% | 44 | 100% |
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.
Where it lends
California (1,725).
Compare Schoolsfirst FCU with every lender in a state on the approvals, rates and fees pages.
Questions
Does Schoolsfirst FCU approve loans with a DTI over 50%?
On conventional purchase files in 2025, Schoolsfirst FCU approved 97% of 234 applications with a DTI between 50 and 60 percent. The table on this page shows every band.
Are Schoolsfirst FCU's rates competitive?
In 2025 its closed conventional loans were priced 3 basis points above the market median after matching LTV band and points paid.
Why does Schoolsfirst FCU deny applications?
Too few denials were reported to describe a pattern.
Where does this come from?
Schoolsfirst FCU'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 Schoolsfirst FCU’s own filing. If a number looks wrong, write to us and we will re-run it.
Who said yes above 50% DTI: the 2025 lender sheet
2.9 million purchase decisions from 2,523 lenders, ranked by approval rate at 50–60% DTI. One page per state, conventional / FHA / VA. Nobody else publishes it:
- The lenders in your state that actually approve high-ratio files, with the decision count behind every percentage
- Which ones are lenient everywhere and which only above 50%, so you know who to call first
- Builder lenders flagged, so a buydown-fed 95% doesn’t fool you
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