Ground Figures
Lender data → Approvals → Colorado

Which lenders close above 50% DTI in Colorado?

In Colorado in 2025, lenders decided 759 conventional purchase applications at 50–60% DTI and approved 45% of them, above the national 35% and 4th of 43 states ranked. FHA approved 92%, VA 95%.

Colorado · conventional · 50–60% DTI
45%

approved of 759 decisions.

Decisions, all bands
69,319
Conv. 50–60%
45%
FHA 50–60%
92%
VA 50–60%
95%
Decisions in view
—
Approved, all lenders
—
Lenders shown
—
Spread, best to worst
—
Loading lender data…
Colorado: share approved by DTI band and program, 2025 COLORADO: 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%: 97% approved of 30,692 Conventional, 44–45%: 97% approved of 4,076 Conventional, 46–49%: 96% approved of 10,246 Conventional, 50–60%: 45% approved of 759 Conventional, >60%: 19% approved of 754 FHA, ≤43%: 95% approved of 4,098 FHA, 44–45%: 93% approved of 1,196 FHA, 46–49%: 94% approved of 3,008 FHA, 50–60%: 92% approved of 4,745 FHA, >60%: 2% approved of 420 VA, ≤43%: 96% approved of 4,119 VA, 44–45%: 97% approved of 651 VA, 46–49%: 95% approved of 1,342 VA, 50–60%: 95% approved of 2,567 VA, >60%: 72% approved of 646 45% 92% 95% VA 72% Conventional 19% FHA 2% Bands with fewer than 30 decisions omitted. Colorado: conventional, DTI 50–60%, by lender type COLORADO: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 62% approved of 82 62% · 82 Independent mortgage co. Independent mortgage co.: 47% approved of 364 47% · 364 Bank Bank: 40% approved of 116 40% · 116 Builder-owned Builder-owned: 5% approved of 43 5% · 43

Colorado: conventional lenders at 50–60% DTI

Colorado: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Firstbank115
91%
98%80%
United Wholesale Mortgage94
11%
97%89%

Colorado: FHA lenders

Colorado: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC173
97%
97%60%
Loan Simple, Inc.177
97%
94%67%
Guild Mortgage Company222
95%
97%30%
United Wholesale Mortgage726
92%
94%33%
DHI Mortgage Company, Ltd. builder204
90%
91%76%
Lennar Mortgage, LLC builder150
88%
97%83%

Colorado: VA lenders

Colorado: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guaranteed Rate, Inc.96
99%
100%100%
Mortgage Solutions of Colorado87
97%
100%33%
Homeamerican Mortgage Corporation builder81
96%
92%0%
United Wholesale Mortgage401
96%
97%28%
Mortgage Research Center316
93%
95%23%
Rocket Mortgage83
93%
96%33%

Colorado: how many borrowers are behind on payments?

In December 2025, 1.4% of Colorado mortgages were 30–89 days late and 0.7% were 90 or more days late, below the U.S. rate of 0.9%. That is the 36th highest of 51 states and D.C. (a year earlier: 0.5%). Chart Colorado against any county or metro area →

30–89 days late
1.4%
90+ days late
0.7%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
36 of 51
Colorado mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%CO 30–89, December 2025: 1.4%CO 30–89 1.4%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%CO 90+, December 2025: 0.7%CO 90+ 0.7%
Colorado metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Pueblo, CO1.9%2.0%+0.8 pts
Greeley, CO2.4%1.3%+0.5 pts
Colorado (non-metro areas)1.5%0.8%+0.1 pts
Colorado Springs, CO1.5%0.8%+0.2 pts
Denver-Aurora-Centennial, CO1.3%0.6%+0.1 pts
Grand Junction, CO1.4%0.6%−0.5 pts
Fort Collins-Loveland, CO0.9%0.3%±0.0 pts
Boulder, CO0.4%0.2%±0.0 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: Alabama · Alaska · Arizona · Arkansas · California · 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 Colorado?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 45% at 50–60% in 2025.

Which lenders in Colorado 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: 92% of Colorado 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 Colorado, 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.