Ground Figures
Lender data → Approvals → Florida

Which lenders close above 50% DTI in Florida?

In Florida in 2025, lenders decided 3,906 conventional purchase applications at 50–60% DTI and approved 30% of them, below the national 35% and 30th of 43 states ranked. FHA approved 87%, VA 91%.

Florida · conventional · 50–60% DTI
30%

approved of 3,906 decisions.

Decisions, all bands
251,250
Conv. 50–60%
30%
FHA 50–60%
87%
VA 50–60%
91%
Decisions in view
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Approved, all lenders
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Lenders shown
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Florida: share approved by DTI band and program, 2025 FLORIDA: 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%: 93% approved of 86,637 Conventional, 44–45%: 93% approved of 12,970 Conventional, 46–49%: 93% approved of 33,963 Conventional, 50–60%: 30% approved of 3,906 Conventional, >60%: 4% approved of 4,597 FHA, ≤43%: 90% approved of 22,277 FHA, 44–45%: 91% approved of 5,806 FHA, 46–49%: 90% approved of 14,631 FHA, 50–60%: 87% approved of 29,061 FHA, >60%: 1% approved of 4,726 VA, ≤43%: 94% approved of 13,722 VA, 44–45%: 94% approved of 2,187 VA, 46–49%: 93% approved of 4,616 VA, 50–60%: 91% approved of 9,150 VA, >60%: 64% approved of 3,001 30% 87% 91% VA 64% Conventional 4% FHA 1% Bands with fewer than 30 decisions omitted. Florida: conventional, DTI 50–60%, by lender type FLORIDA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 72% approved of 724 72% · 724 Bank Bank: 30% approved of 743 30% · 743 Independent mortgage co. Independent mortgage co.: 17% approved of 1,641 17% · 1,641 Builder-owned Builder-owned: 8% approved of 454 8% · 454

Florida: conventional lenders at 50–60% DTI

Florida: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Citizens First Bank81
94%
100%80%
Suncoast Credit Union291
92%
97%45%
Navy Federal Credit Union225
79%
92%57%
Bank of America NA82
17%
89%99%
JPMorgan Chase Bank, NA102
17%
91%67%
Lennar Mortgage, LLC builder170
10%
95%81%
Wells Fargo Bank NA81
10%
88%97%
United Wholesale Mortgage559
9%
93%87%
DHI Mortgage Company, Ltd. builder71
4%
95%91%
Rocket Mortgage191
3%
87%83%
PennyMac Loan Services LLC101
3%
91%83%
Pulte Mortgage LLC builder87
2%
95%72%
Midflorida Credit Union60
2%
83%83%

Florida: FHA lenders

Florida: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC862
96%
97%44%
Paramount Residential Mortgage694
95%
93%43%
New American Funding, LLC434
93%
91%23%
Acrisure Mortgage, LLC422
93%
94%61%
Click N’ Close, Inc.333
92%
95%30%
American Pacific Mortgage Corporation328
90%
89%38%
United Wholesale Mortgage5,025
89%
89%40%
DHI Mortgage Company, Ltd. builder2,955
87%
90%43%
Rocket Mortgage1,043
84%
86%45%
Pulte Mortgage LLC builder325
84%
88%37%
PennyMac Loan Services LLC529
81%
86%49%
Freedom Mortgage Corporation393
81%
87%37%
Kind Lending, LLC378
79%
80%0%
Lennar Mortgage, LLC builder2,481
79%
87%37%
loanDepot.com LLC867
73%
88%69%

Florida: VA lenders

Florida: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CMG Mortgage Inc180
98%
100%33%
CrossCountry Mortgage, LLC309
97%
98%22%
Jet Homeloans, LP103
95%
97%40%
Navy Federal Credit Union385
95%
94%38%
United Wholesale Mortgage829
93%
96%27%
NewRez LLC149
92%
94%33%
Rocket Mortgage231
91%
93%50%
Mortgage Research Center1,315
91%
93%22%
Freedom Mortgage Corporation159
90%
95%38%
Pulte Mortgage LLC builder180
89%
94%32%
DHI Mortgage Company, Ltd. builder700
89%
95%27%
PennyMac Loan Services LLC110
87%
92%7%
Lennar Mortgage, LLC builder521
87%
91%23%
loanDepot.com LLC135
77%
93%77%
USAA Federal Savings Bank133
67%
73%14%

Florida: how many borrowers are behind on payments?

In December 2025, 2.4% of Florida mortgages were 30–89 days late and 1.2% were 90 or more days late, above the U.S. rate of 0.9%. That is the 5th highest of 51 states and D.C. (a year earlier: 0.6%). Chart Florida against any county or metro area →

30–89 days late
2.4%
90+ days late
1.2%
12-month change, 90+
+0.6 pts
Rank, 90+ (1 = highest)
5 of 51
Florida mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%2%4%6%8%10%20082012201620202024FL 30–89, December 2025: 2.4%FL 30–89 2.4%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%FL 90+, December 2025: 1.2%FL 90+ 1.2%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Florida metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Lakeland-Winter Haven, FL3.8%2.2%+1.4 pts
Ocala, FL2.8%1.7%+1.0 pts
Deltona-Daytona Beach-Ormond Beach, FL2.6%1.6%+0.9 pts
Port St. Lucie, FL2.7%1.6%+0.9 pts
Gainesville, FL2.3%1.4%+0.6 pts
Homosassa Springs, FL2.8%1.4%+1.0 pts
Pensacola-Ferry Pass-Brent, FL2.2%1.3%+0.2 pts
Punta Gorda, FL2.1%1.3%+0.7 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 · Colorado · Connecticut · Delaware · District of Columbia · 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 Florida?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 93% approval at 46–49% versus 30% at 50–60% in 2025.

Which lenders in Florida 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 Florida 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 Florida, 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.