Ground Figures
Lender data → Approvals → Kansas

Which lenders close above 50% DTI in Kansas?

In Kansas in 2025, lenders decided 221 conventional purchase applications at 50–60% DTI and approved 38% of them, above the national 35% and 14th of 43 states ranked. FHA approved 89%, VA 96%.

Kansas · conventional · 50–60% DTI
38%

approved of 221 decisions.

Decisions, all bands
26,200
Conv. 50–60%
38%
FHA 50–60%
89%
VA 50–60%
96%
Decisions in view
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Approved, all lenders
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Lenders shown
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Kansas: share approved by DTI band and program, 2025 KANSAS: 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 13,616 Conventional, 44–45%: 96% approved of 1,278 Conventional, 46–49%: 96% approved of 2,511 Conventional, 50–60%: 38% approved of 221 Conventional, >60%: 25% approved of 271 FHA, ≤43%: 92% approved of 2,422 FHA, 44–45%: 94% approved of 379 FHA, 46–49%: 93% approved of 708 FHA, 50–60%: 89% approved of 1,188 FHA, >60%: 2% approved of 91 VA, ≤43%: 94% approved of 1,894 VA, 44–45%: 96% approved of 246 VA, 46–49%: 94% approved of 491 VA, 50–60%: 96% approved of 735 VA, >60%: 70% approved of 149 38% 89% 96% VA 70% Conventional 25% FHA 2% Bands with fewer than 30 decisions omitted. Kansas: conventional, DTI 50–60%, by lender type KANSAS: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Bank Bank: 56% approved of 36 56% · 36 Credit union Credit union: 45% approved of 49 45% · 49 Independent mortgage co. Independent mortgage co.: 25% approved of 36 25% · 36

Kansas: conventional lenders at 50–60% DTI

No conventional lender reached 30 decisions in this band.

Kansas: FHA lenders

Kansas: FHA, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Flat Branch Mortgage, Inc.70
100%
99%0%
Fairway Independent Mort Corp54
100%
97%0%
Guild Mortgage Company75
95%
98%75%
United Wholesale Mortgage100
91%
94%56%
Rocket Mortgage86
84%
85%36%

Kansas: VA lenders

Kansas: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center202
95%
94%10%

Kansas: how many borrowers are behind on payments?

In December 2025, 2.0% of Kansas mortgages were 30–89 days late and 0.8% were 90 or more days late, below the U.S. rate of 0.9%. That is the 30th highest of 51 states and D.C. (a year earlier: 0.6%). Chart Kansas against any county or metro area →

30–89 days late
2.0%
90+ days late
0.8%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
30 of 51
Kansas 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%KS 30–89, December 2025: 2.0%KS 30–89 2.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%KS 90+, December 2025: 0.8%KS 90+ 0.8%
Kansas metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Joplin, MO-KS3.5%1.1%+0.2 pts
Kansas (non-metro areas)2.4%1.0%+0.3 pts
Topeka, KS1.4%0.9%+0.2 pts
Wichita, KS2.6%0.9%+0.1 pts
Kansas City, MO-KS2.0%0.8%+0.2 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 Kansas?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 38% at 50–60% in 2025.

Which lenders in Kansas 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: 89% of Kansas 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 Kansas, 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.