Ground Figures
Lender data → Approvals → Alabama

Which lenders close above 50% DTI in Alabama?

In Alabama in 2025, lenders decided 335 conventional purchase applications at 50–60% DTI and approved 28% of them, below the national 35% and 38th of 43 states ranked. FHA approved 87%, VA 92%.

Alabama · conventional · 50–60% DTI
28%

approved of 335 decisions.

Decisions, all bands
48,271
Conv. 50–60%
28%
FHA 50–60%
87%
VA 50–60%
92%
Decisions in view
—
Approved, all lenders
—
Lenders shown
—
Spread, best to worst
—
Loading lender data…
Alabama: share approved by DTI band and program, 2025 ALABAMA: SHARE APPROVED BY DTI BAND AND PROGRAM, 2025 0% 25% 50% 75% 100% ≤43% 44–45% 46–49% 50–60% >60% DTI BAND USED IN THE DECISION Conventional, ≤43%: 96% approved of 17,568 Conventional, 44–45%: 96% approved of 1,668 Conventional, 46–49%: 96% approved of 3,377 Conventional, 50–60%: 28% approved of 335 Conventional, >60%: 9% approved of 374 FHA, ≤43%: 93% approved of 7,935 FHA, 44–45%: 91% approved of 1,376 FHA, 46–49%: 90% approved of 2,331 FHA, 50–60%: 87% approved of 3,806 FHA, >60%: 1% approved of 451 VA, ≤43%: 94% approved of 4,829 VA, 44–45%: 94% approved of 669 VA, 46–49%: 93% approved of 1,237 VA, 50–60%: 92% approved of 1,936 VA, >60%: 58% approved of 379 28% 87% 92% VA 58% Conventional 9% FHA 1% Bands with fewer than 30 decisions omitted. Alabama: conventional, DTI 50–60%, by lender type ALABAMA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 69% approved of 39 69% · 39 Bank Bank: 21% approved of 71 21% · 71 Independent mortgage co. Independent mortgage co.: 14% approved of 57 14% · 57

Alabama: conventional lenders at 50–60% DTI

Alabama: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Navy Federal Credit Union32
81%
95%67%

Alabama: FHA lenders

Alabama: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage275
90%
95%41%
DHI Mortgage Company, Ltd. builder449
79%
84%67%

Alabama: VA lenders

Alabama: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage93
96%
97%25%
Mortgage Research Center436
92%
94%21%
DHI Mortgage Company, Ltd. builder123
82%
92%55%

Alabama: how many borrowers are behind on payments?

In December 2025, 3.2% of Alabama mortgages were 30–89 days late and 1.1% were 90 or more days late, above the U.S. rate of 0.9%. That is the 9th highest of 51 states and D.C. (a year earlier: 0.9%). Chart Alabama against any county or metro area →

30–89 days late
3.2%
90+ days late
1.1%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
9 of 51
Alabama mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%6%20082012201620202024AL 30–89, December 2025: 3.2%AL 30–89 3.2%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%AL 90+, December 2025: 1.1%AL 90+ 1.1%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Alabama metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Tuscaloosa, AL4.1%2.0%+0.6 pts
Alabama (non-metro areas)4.7%1.6%+0.2 pts
Mobile, AL4.1%1.6%+0.5 pts
Dothan, AL3.3%1.3%+0.5 pts
Montgomery, AL2.9%1.2%+0.4 pts
Birmingham, AL3.2%1.0%+0.1 pts
Columbus, GA-AL3.5%1.0%+0.3 pts
Decatur, AL3.1%0.9%+0.1 pts

Source: CFPB / FHFA National Mortgage Database, 5% sample. Delinquency is by place, not by lender or loan type. See all states, metro areas and counties.

Other states: Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming

Questions

What is the maximum DTI for a conventional loan in Alabama?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 28% at 50–60% in 2025.

Which lenders in Alabama accept a DTI over 50%?

On conventional loans, mostly credit unions and portfolio lenders; the table on this page ranks them. On FHA, most lenders: 87% of Alabama FHA files in the band were approved.

Where does this data come from?

CFPB HMDA loan-level data for 2025, filtered to site-built, one-unit, owner-occupied purchase loans in Alabama, counting originations and denials by lender, program and the DTI band the lender used.

Source and filters

CFPB HMDA Loan/Application Register, activity year 2025, pulled through the HMDA Data Browser API. Home purchase, principal residence, one unit, site-built, first lien; not reverse, business-purpose or open-end. Actions counted: originated and denied. Manufactured-home lending excluded. Lender names are the respondent names in each lender's HMDA institution record; lender type is assigned from the name; the builder tag is applied to mortgage companies owned by home builders.

How to read the columns

Approved is originations divided by originations plus denials among files whose decision used a DTI in the band. 'At ≤43%' is the same lender's rate on ordinary files; a large gap is the signature of a wall. 'Denials citing DTI' is the share of the lender's denials in the band where the ratio was the first reason given.

Corrections

Every number traces to the lender's own filing. If a lender believes a row is wrong, write to us and we will re-run it.