Ground Figures
Lender data → Approvals → Arizona

Which lenders close above 50% DTI in Arizona?

In Arizona in 2025, lenders decided 735 conventional purchase applications at 50–60% DTI and approved 25% of them, below the national 35% and 42th of 43 states ranked. FHA approved 91%, VA 95%.

Arizona · conventional · 50–60% DTI
25%

approved of 735 decisions.

Decisions, all bands
80,007
Conv. 50–60%
25%
FHA 50–60%
91%
VA 50–60%
95%
Decisions in view
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Approved, all lenders
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Lenders shown
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Spread, best to worst
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Arizona: share approved by DTI band and program, 2025 ARIZONA: 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 31,072 Conventional, 44–45%: 95% approved of 4,072 Conventional, 46–49%: 96% approved of 10,150 Conventional, 50–60%: 25% approved of 735 Conventional, >60%: 5% approved of 901 FHA, ≤43%: 94% approved of 8,651 FHA, 44–45%: 93% approved of 1,848 FHA, 46–49%: 94% approved of 4,206 FHA, 50–60%: 91% approved of 7,494 FHA, >60%: 1% approved of 741 VA, ≤43%: 96% approved of 4,650 VA, 44–45%: 95% approved of 655 VA, 46–49%: 95% approved of 1,381 VA, 50–60%: 95% approved of 2,739 VA, >60%: 63% approved of 712 25% 91% 95% VA 63% Conventional 5% FHA 1% Bands with fewer than 30 decisions omitted. Arizona: conventional, DTI 50–60%, by lender type ARIZONA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 56% approved of 62 56% · 62 Independent mortgage co. Independent mortgage co.: 20% approved of 325 20% · 325 Bank Bank: 11% approved of 79 11% · 79 Builder-owned Builder-owned: 2% approved of 107 2% · 107

Arizona: conventional lenders at 50–60% DTI

Arizona: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage134
11%
96%91%

Arizona: FHA lenders

Arizona: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Nfm, Inc163
99%
99%100%
Velocio Mortgage, L.L.C. builder263
98%
100%100%
CrossCountry Mortgage, LLC394
97%
98%70%
Guild Mortgage Company185
95%
98%44%
United Wholesale Mortgage1,009
95%
95%42%
Click N’ Close, Inc.235
94%
95%46%
American Pacific Mortgage Corporation150
93%
90%55%
Homeamerican Mortgage Corporation builder158
92%
98%0%
Fairway Independent Mort Corp321
91%
95%39%
Lennar Mortgage, LLC builder428
90%
94%66%
loanDepot.com LLC354
90%
97%57%
Rocket Mortgage245
87%
92%55%
DHI Mortgage Company, Ltd. builder533
86%
92%57%
Inspire Home Loans Inc. builder150
80%
98%63%

Arizona: VA lenders

Arizona: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC148
99%
98%0%
United Wholesale Mortgage279
99%
97%0%
Fairway Independent Mort Corp108
95%
99%20%
Mortgage Research Center293
95%
95%19%
DHI Mortgage Company, Ltd. builder121
93%
94%56%
Rocket Mortgage93
92%
95%43%
loanDepot.com LLC105
91%
97%67%
Lennar Mortgage, LLC builder115
90%
98%33%

Arizona: how many borrowers are behind on payments?

In December 2025, 2.0% of Arizona mortgages were 30–89 days late and 0.8% were 90 or more days late, below the U.S. rate of 0.9%. That is the 30th highest of 51 states and D.C. (a year earlier: 0.5%). Chart Arizona against any county or metro area →

30–89 days late
2.0%
90+ days late
0.8%
12-month change, 90+
+0.3 pts
Rank, 90+ (1 = highest)
30 of 51
Arizona mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%2%4%6%8%20082012201620202024U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%AZ 30–89, December 2025: 2.0%AZ 30–89 2.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%AZ 90+, December 2025: 0.8%AZ 90+ 0.8%
Arizona metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Yuma, AZ3.7%1.3%+0.6 pts
Lake Havasu City-Kingman, AZ2.1%0.9%+0.3 pts
Phoenix-Mesa-Chandler, AZ2.0%0.8%+0.3 pts
Tucson, AZ2.1%0.8%+0.2 pts
Prescott Valley-Prescott, AZ1.3%0.3%−0.2 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.

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Questions

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

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 25% at 50–60% in 2025.

Which lenders in Arizona 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: 91% of Arizona 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 Arizona, 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.