Ground Figures
Lender data → Approvals → Illinois

Which lenders close above 50% DTI in Illinois?

In Illinois in 2025, lenders decided 1,122 conventional purchase applications at 50–60% DTI and approved 27% of them, below the national 35% and 39th of 43 states ranked. FHA approved 85%, VA 92%.

Illinois · conventional · 50–60% DTI
27%

approved of 1,122 decisions.

Decisions, all bands
103,943
Conv. 50–60%
27%
FHA 50–60%
85%
VA 50–60%
92%
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Illinois: share approved by DTI band and program, 2025 ILLINOIS: 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 56,637 Conventional, 44–45%: 95% approved of 6,327 Conventional, 46–49%: 94% approved of 15,346 Conventional, 50–60%: 27% approved of 1,122 Conventional, >60%: 5% approved of 1,074 FHA, ≤43%: 88% approved of 6,943 FHA, 44–45%: 88% approved of 1,488 FHA, 46–49%: 86% approved of 2,984 FHA, 50–60%: 85% approved of 4,510 FHA, >60%: 1% approved of 537 VA, ≤43%: 93% approved of 3,582 VA, 44–45%: 94% approved of 519 VA, 46–49%: 93% approved of 1,015 VA, 50–60%: 92% approved of 1,529 VA, >60%: 59% approved of 330 27% 85% 92% VA 59% Conventional 5% FHA 1% Bands with fewer than 30 decisions omitted. Illinois: conventional, DTI 50–60%, by lender type ILLINOIS: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 71% approved of 63 71% · 63 Independent mortgage co. Independent mortgage co.: 24% approved of 455 24% · 455 Bank Bank: 21% approved of 377 21% · 377 Builder-owned Builder-owned: 4% approved of 50 4% · 50

Illinois: conventional lenders at 50–60% DTI

Illinois: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
JPMorgan Chase Bank, NA81
14%
94%67%
United Wholesale Mortgage91
11%
95%84%

Illinois: FHA lenders

Illinois: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC214
94%
97%25%
New American Funding, LLC192
94%
95%8%
Guaranteed Rate, Inc.291
93%
94%43%
United Wholesale Mortgage482
91%
89%32%
Fairway Independent Mort Corp211
91%
93%45%
loanDepot.com LLC188
87%
92%62%
Rocket Mortgage282
82%
81%42%

Illinois: VA lenders

Illinois: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center475
92%
94%28%

Illinois: how many borrowers are behind on payments?

In December 2025, 2.2% of Illinois 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: 0.8%). Chart Illinois against any county or metro area →

30–89 days late
2.2%
90+ days late
1.1%
12-month change, 90+
+0.3 pts
Rank, 90+ (1 = highest)
9 of 51
Illinois mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%6%20082012201620202024IL 30–89, December 2025: 2.2%IL 30–89 2.2%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%IL 90+, December 2025: 1.1%IL 90+ 1.1%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Illinois metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Illinois (non-metro areas)2.8%1.4%±0.0 pts
Ottawa, IL2.2%1.3%+0.3 pts
Chicago-Naperville-Elgin, IL-IN2.1%1.1%+0.4 pts
Champaign-Urbana, IL1.6%1.0%+0.6 pts
Rockford, IL2.7%1.0%+0.2 pts
Davenport-Moline-Rock Island, IA-IL2.5%0.9%±0.0 pts
Peoria, IL2.8%0.9%−0.3 pts
St. Louis, MO-IL2.2%0.8%+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 Illinois?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 94% approval at 46–49% versus 27% at 50–60% in 2025.

Which lenders in Illinois 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: 85% of Illinois 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 Illinois, 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.