Ground Figures
Lender data → Approvals → Iowa

Which lenders close above 50% DTI in Iowa?

In Iowa in 2025, lenders decided 339 conventional purchase applications at 50–60% DTI and approved 60% of them, above the national 35% and 1st of 43 states ranked. FHA approved 85%, VA 94%.

Iowa · conventional · 50–60% DTI
60%

approved of 339 decisions.

Decisions, all bands
30,484
Conv. 50–60%
60%
FHA 50–60%
85%
VA 50–60%
94%
Decisions in view
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Approved, all lenders
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Lenders shown
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Iowa: share approved by DTI band and program, 2025 IOWA: 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 17,803 Conventional, 44–45%: 97% approved of 1,668 Conventional, 46–49%: 96% approved of 3,222 Conventional, 50–60%: 60% approved of 339 Conventional, >60%: 25% approved of 275 FHA, ≤43%: 91% approved of 2,237 FHA, 44–45%: 92% approved of 424 FHA, 46–49%: 93% approved of 882 FHA, 50–60%: 85% approved of 955 FHA, >60%: 0% approved of 105 VA, ≤43%: 94% approved of 1,404 VA, 44–45%: 94% approved of 186 VA, 46–49%: 94% approved of 386 VA, 50–60%: 94% approved of 490 VA, >60%: 63% approved of 108 60% 85% 94% VA 63% Conventional 25% FHA 0% Bands with fewer than 30 decisions omitted. Iowa: conventional, DTI 50–60%, by lender type IOWA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 79% approved of 100 79% · 100 Bank Bank: 77% approved of 123 77% · 123 Independent mortgage co. Independent mortgage co.: 9% approved of 45 9% · 45

Iowa: conventional lenders at 50–60% DTI

Iowa: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Hills Bank and Trust Company72
99%
100%100%

Iowa: FHA lenders

Iowa: FHA, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
New American Funding, LLC60
97%
98%0%
Greenstate Credit Union54
85%
97%62%
DHI Mortgage Company, Ltd. builder94
79%
85%50%
Rocket Mortgage97
74%
85%36%

Iowa: VA lenders

Iowa: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center156
90%
94%20%

Iowa: how many borrowers are behind on payments?

In December 2025, 1.9% of Iowa mortgages were 30–89 days late and 0.9% were 90 or more days late, in line with the U.S. rate of 0.9%. That is the 21st highest of 51 states and D.C. (a year earlier: 0.7%). Chart Iowa against any county or metro area →

30–89 days late
1.9%
90+ days late
0.9%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
21 of 51
Iowa 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%IA 30–89, December 2025: 1.9%IA 30–89 1.9%IA 90+, December 2025: 0.9%IA 90+ 0.9%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Iowa metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Des Moines-West Des Moines, IA1.8%1.0%+0.3 pts
Davenport-Moline-Rock Island, IA-IL2.5%0.9%±0.0 pts
Waterloo-Cedar Falls, IA1.3%0.8%+0.2 pts
Cedar Rapids, IA2.0%0.7%+0.2 pts
Iowa (non-metro areas)2.1%0.7%−0.1 pts
Omaha, NE-IA1.6%0.7%+0.1 pts
Iowa City, IA0.8%0.6%+0.4 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 Iowa?

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

Which lenders in Iowa 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 Iowa 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 Iowa, 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.