Ground Figures
Lender data → Approvals → Kentucky

Which lenders close above 50% DTI in Kentucky?

In Kentucky in 2025, lenders decided 351 conventional purchase applications at 50–60% DTI and approved 37% of them, above the national 35% and 18th of 43 states ranked. FHA approved 89%, VA 93%.

Kentucky · conventional · 50–60% DTI
37%

approved of 351 decisions.

Decisions, all bands
38,173
Conv. 50–60%
37%
FHA 50–60%
89%
VA 50–60%
93%
Decisions in view
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Kentucky: share approved by DTI band and program, 2025 KENTUCKY: 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 17,674 Conventional, 44–45%: 96% approved of 1,885 Conventional, 46–49%: 95% approved of 3,837 Conventional, 50–60%: 37% approved of 351 Conventional, >60%: 15% approved of 338 FHA, ≤43%: 92% approved of 4,777 FHA, 44–45%: 92% approved of 849 FHA, 46–49%: 93% approved of 1,886 FHA, 50–60%: 89% approved of 2,023 FHA, >60%: 0% approved of 212 VA, ≤43%: 94% approved of 2,219 VA, 44–45%: 95% approved of 375 VA, 46–49%: 94% approved of 598 VA, 50–60%: 93% approved of 973 VA, >60%: 59% approved of 176 37% 89% 93% VA 59% Conventional 15% FHA 0% Bands with fewer than 30 decisions omitted. Kentucky: conventional, DTI 50–60%, by lender type KENTUCKY: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Bank Bank: 46% approved of 136 46% · 136 Independent mortgage co. Independent mortgage co.: 9% approved of 80 9% · 80

Kentucky: conventional lenders at 50–60% DTI

Kentucky: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Community Trust Bank, Inc.54
72%
91%80%

Kentucky: FHA lenders

Kentucky: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage223
93%
93%27%

Kentucky: VA lenders

Kentucky: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center298
93%
94%14%

Kentucky: how many borrowers are behind on payments?

In December 2025, 2.2% of Kentucky 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 Kentucky against any county or metro area →

30–89 days late
2.2%
90+ days late
1.0%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
15 of 51
Kentucky mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024KY 30–89, December 2025: 2.2%KY 30–89 2.2%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%KY 90+, December 2025: 1.0%KY 90+ 1.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Kentucky metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Clarksville, TN-KY2.8%1.3%−0.1 pts
Huntington-Ashland, WV-KY-OH3.3%1.2%+0.3 pts
Bowling Green, KY2.0%1.1%±0.0 pts
Kentucky (non-metro areas)3.0%1.1%−0.2 pts
Louisville/Jefferson County, KY-IN2.0%1.1%+0.4 pts
Cincinnati, OH-KY-IN2.0%0.8%+0.1 pts
Lexington-Fayette, KY1.3%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 Kentucky?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 37% at 50–60% in 2025.

Which lenders in Kentucky 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 Kentucky 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 Kentucky, 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.