Ground Figures
Lender data → Approvals → Indiana

Which lenders close above 50% DTI in Indiana?

In Indiana in 2025, lenders decided 617 conventional purchase applications at 50–60% DTI and approved 29% of them, below the national 35% and 33th of 43 states ranked. FHA approved 88%, VA 91%.

Indiana · conventional · 50–60% DTI
29%

approved of 617 decisions.

Decisions, all bands
73,698
Conv. 50–60%
29%
FHA 50–60%
88%
VA 50–60%
91%
Decisions in view
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Approved, all lenders
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Lenders shown
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Indiana: share approved by DTI band and program, 2025 INDIANA: 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 37,565 Conventional, 44–45%: 96% approved of 3,693 Conventional, 46–49%: 96% approved of 7,796 Conventional, 50–60%: 29% approved of 617 Conventional, >60%: 10% approved of 742 FHA, ≤43%: 92% approved of 8,274 FHA, 44–45%: 92% approved of 1,526 FHA, 46–49%: 91% approved of 3,016 FHA, 50–60%: 88% approved of 4,007 FHA, >60%: 0% approved of 514 VA, ≤43%: 93% approved of 3,236 VA, 44–45%: 93% approved of 438 VA, 46–49%: 93% approved of 844 VA, 50–60%: 91% approved of 1,221 VA, >60%: 54% approved of 209 29% 88% 91% VA 54% Conventional 10% FHA 0% Bands with fewer than 30 decisions omitted. Indiana: conventional, DTI 50–60%, by lender type INDIANA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 60% approved of 83 60% · 83 Bank Bank: 16% approved of 128 16% · 128 Builder-owned Builder-owned: 13% approved of 61 13% · 61 Independent mortgage co. Independent mortgage co.: 12% approved of 171 12% · 171

Indiana: conventional lenders at 50–60% DTI

Indiana: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage30
7%
97%93%

Indiana: FHA lenders

Indiana: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Ruoff Mortgage Company288
93%
97%58%
United Wholesale Mortgage288
90%
91%27%
Fairway Independent Mort Corp157
89%
92%28%
DHI Mortgage Company, Ltd. builder196
84%
86%47%
Rocket Mortgage202
78%
86%41%
Lennar Mortgage, LLC builder188
77%
86%44%

Indiana: VA lenders

Indiana: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center357
92%
93%10%

Indiana: how many borrowers are behind on payments?

In December 2025, 2.6% of Indiana mortgages were 30–89 days late and 1.0% were 90 or more days late, above the U.S. rate of 0.9%. That is the 15th highest of 51 states and D.C. (a year earlier: 0.9%). Chart Indiana against any county or metro area →

30–89 days late
2.6%
90+ days late
1.0%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
15 of 51
Indiana mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024IN 30–89, December 2025: 2.6%IN 30–89 2.6%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%IN 90+, December 2025: 1.0%IN 90+ 1.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Indiana metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Chicago-Naperville-Elgin, IL-IN2.1%1.1%+0.4 pts
Elkhart-Goshen, IN3.0%1.1%−0.1 pts
Louisville/Jefferson County, KY-IN2.0%1.1%+0.4 pts
Terre Haute, IN2.8%1.1%+0.2 pts
Indiana (non-metro areas)3.1%1.0%±0.0 pts
Fort Wayne, IN2.1%0.9%−0.2 pts
Indianapolis-Carmel-Greenwood, IN2.3%0.9%+0.1 pts
Cincinnati, OH-KY-IN2.0%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 Indiana?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 29% at 50–60% in 2025.

Which lenders in Indiana 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: 88% of Indiana 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 Indiana, 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.