Ground Figures
Lender data → Approvals → California

Which lenders close above 50% DTI in California?

In California in 2025, lenders decided 4,046 conventional purchase applications at 50–60% DTI and approved 42% of them, above the national 35% and 9th of 43 states ranked. FHA approved 90%, VA 93%.

California · conventional · 50–60% DTI
42%

approved of 4,046 decisions.

Decisions, all bands
216,665
Conv. 50–60%
42%
FHA 50–60%
90%
VA 50–60%
93%
Decisions in view
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California: share approved by DTI band and program, 2025 CALIFORNIA: 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%: 95% approved of 97,781 Conventional, 44–45%: 94% approved of 15,184 Conventional, 46–49%: 95% approved of 38,560 Conventional, 50–60%: 42% approved of 4,046 Conventional, >60%: 10% approved of 3,190 FHA, ≤43%: 93% approved of 11,797 FHA, 44–45%: 93% approved of 3,752 FHA, 46–49%: 93% approved of 8,211 FHA, 50–60%: 90% approved of 16,542 FHA, >60%: 2% approved of 1,518 VA, ≤43%: 94% approved of 5,259 VA, 44–45%: 95% approved of 1,040 VA, 46–49%: 94% approved of 2,429 VA, 50–60%: 93% approved of 5,656 VA, >60%: 70% approved of 1,700 42% 90% 93% VA 70% Conventional 10% FHA 2% Bands with fewer than 30 decisions omitted. California: conventional, DTI 50–60%, by lender type CALIFORNIA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 85% approved of 472 85% · 472 Bank Bank: 49% approved of 1,232 49% · 1,232 Independent mortgage co. Independent mortgage co.: 27% approved of 1,789 27% · 1,789 Builder-owned Builder-owned: 5% approved of 204 5% · 204

California: conventional lenders at 50–60% DTI

California: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Schoolsfirst FCU234
97%
98%33%
Charles Schwab Bank, SSB96
95%
97%100%
Redwood Credit Union74
93%
98%100%
HSBC Bank USA, NA97
92%
99%75%
East West Bank236
88%
91%45%
Navy Federal Credit Union82
71%
95%71%
Wells Fargo Bank NA186
35%
97%99%
US Bank, N.A.86
27%
95%78%
JPMorgan Chase Bank, NA144
17%
95%81%
Bank of America NA110
14%
94%98%
Lennar Mortgage, LLC builder69
12%
98%89%
United Wholesale Mortgage489
9%
95%88%
Kind Lending, LLC65
6%
80%0%
PennyMac Loan Services LLC113
4%
93%95%
Rocket Mortgage232
2%
92%82%

California: FHA lenders

California: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Ml Mortgage Corp.198
98%
96%0%
Paramount Residential Mortgage338
98%
97%83%
OCMBC, Inc.763
98%
96%33%
CrossCountry Mortgage, LLC303
97%
99%50%
New American Funding, LLC233
97%
98%12%
Guaranteed Rate, Inc.228
95%
96%73%
Golden Empire Mortgage, Inc.277
95%
95%29%
DHI Mortgage Company, Ltd. builder659
93%
95%53%
United Wholesale Mortgage3,555
90%
94%46%
KBHS Home Loans, LLC341
90%
93%71%
Lennar Mortgage, LLC builder712
88%
95%61%
loanDepot.com LLC544
88%
94%69%
PennyMac Loan Services LLC327
86%
88%56%
Rocket Mortgage974
85%
87%45%
Kind Lending, LLC654
77%
85%0%

California: VA lenders

California: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guaranteed Rate, Inc.101
100%
100%0%
CrossCountry Mortgage, LLC167
98%
100%67%
Navy Federal Credit Union169
97%
97%40%
CMG Mortgage Inc111
96%
98%50%
DHI Mortgage Company, Ltd. builder139
95%
97%86%
Mortgage Research Center728
95%
92%16%
United Wholesale Mortgage992
95%
96%29%
NewRez LLC194
94%
98%18%
American Pacific Mortgage Corporation88
94%
96%0%
loanDepot.com LLC144
92%
98%45%
Lennar Mortgage, LLC builder219
91%
97%45%
Freedom Mortgage Corporation87
91%
93%25%
PennyMac Loan Services LLC188
89%
92%5%
Rocket Mortgage282
88%
95%27%
Kind Lending, LLC126
76%
82%0%

California: how many borrowers are behind on payments?

In December 2025, 1.4% of California mortgages were 30–89 days late and 0.5% were 90 or more days late, below the U.S. rate of 0.9%. That is the 50th highest of 51 states and D.C. (a year earlier: 0.5%). Chart California against any county or metro area →

30–89 days late
1.4%
90+ days late
0.5%
12-month change, 90+
±0.0 pts
Rank, 90+ (1 = highest)
50 of 51
California 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%CA 30–89, December 2025: 1.4%CA 30–89 1.4%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%CA 90+, December 2025: 0.5%CA 90+ 0.5%
California metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Bakersfield-Delano, CA3.0%1.3%+0.3 pts
Chico, CA1.3%1.0%+0.1 pts
Merced, CA1.9%1.0%+0.2 pts
Fresno, CA2.5%0.9%±0.0 pts
Riverside-San Bernardino-Ontario, CA2.4%0.9%+0.1 pts
Stockton-Lodi, CA2.2%0.9%+0.1 pts
Visalia, CA2.9%0.7%−0.1 pts
Yuba City, CA1.8%0.7%+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.

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Questions

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

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 42% at 50–60% in 2025.

Which lenders in California 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: 90% of California 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 California, 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.