Ground Figures
Lenders → TD Bank

TD Bank

Bank · #125 by purchase decisions in 2025 · Conventional 98%. Above 50% DTI on conventional files it approved 1% of 80.

Conventional · above 50% DTI
1%

approved of 80 decisions. Across all bands and programs: 90% of 4,070.

Purchase decisions
4,157
Approved, all
90%
Lender type
Bank
States with 50+ decisions
12

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%3,387
95%
4%
44–45%164
90%
31%
46–49%289
91%
44%
50–60%80
1%
95%
>60%150
1%
93%

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
+5 bps
Conventional median, no points
6.625%
Conventional median loan costs
$5,625
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: 58% approved of 263 58% Collateral Collateral: 22% approved of 98 22% Other Other: 10% approved of 44 10% Credit history Credit history: 8% approved of 35 8% Insufficient cash Insufficient cash: 2% approved of 10 2% Employment history Employment history: 1% approved of 3 1% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 89% approved of 2,935 89% LTV 80–95% LTV 80–95%: 89% approved of 709 89% LTV >95% LTV >95%: 88% approved of 454 88%

Where it lends

New York (1,126), New Jersey (839), Florida (464), Pennsylvania (389), Massachusetts (295), South Carolina (279), North Carolina (190), Connecticut (125), Maine (94), Virginia (91).

Compare TD Bank with every lender in a state on the approvals, rates and fees pages.

Questions

Does TD Bank approve loans with a DTI over 50%?

On conventional purchase files in 2025, TD Bank approved 1% of 80 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are TD Bank's rates competitive?

In 2025 its closed conventional loans were priced 5 basis points above the market median after matching LTV band and points paid.

Why does TD Bank deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (58% of denials), followed by collateral (22%).

Where does this come from?

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