Ground Figures
Lender data → Approvals → Maryland

Which lenders close above 50% DTI in Maryland?

In Maryland in 2025, lenders decided 585 conventional purchase applications at 50–60% DTI and approved 35% of them, below the national 35% and 23th of 43 states ranked. FHA approved 86%, VA 93%.

Maryland · conventional · 50–60% DTI
35%

approved of 585 decisions.

Decisions, all bands
57,553
Conv. 50–60%
35%
FHA 50–60%
86%
VA 50–60%
93%
Decisions in view
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Approved, all lenders
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Lenders shown
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Spread, best to worst
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Maryland: share approved by DTI band and program, 2025 MARYLAND: 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 24,269 Conventional, 44–45%: 95% approved of 3,153 Conventional, 46–49%: 95% approved of 7,766 Conventional, 50–60%: 35% approved of 585 Conventional, >60%: 4% approved of 560 FHA, ≤43%: 92% approved of 4,990 FHA, 44–45%: 91% approved of 1,285 FHA, 46–49%: 90% approved of 2,723 FHA, 50–60%: 86% approved of 3,855 FHA, >60%: 2% approved of 481 VA, ≤43%: 94% approved of 3,768 VA, 44–45%: 94% approved of 564 VA, 46–49%: 94% approved of 1,123 VA, 50–60%: 93% approved of 1,988 VA, >60%: 62% approved of 443 35% 86% 93% VA 62% Conventional 4% FHA 2% Bands with fewer than 30 decisions omitted. Maryland: conventional, DTI 50–60%, by lender type MARYLAND: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 75% approved of 93 75% · 93 Bank Bank: 26% approved of 104 26% · 104 Independent mortgage co. Independent mortgage co.: 18% approved of 189 18% · 189 Builder-owned Builder-owned: 0% approved of 47 0% · 47

Maryland: conventional lenders at 50–60% DTI

Maryland: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Navy Federal Credit Union83
84%
92%69%

Maryland: FHA lenders

Maryland: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
First Home Mortgage164
96%
96%67%
United Wholesale Mortgage373
88%
91%49%
Rocket Mortgage186
81%
85%47%

Maryland: VA lenders

Maryland: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
First Home Mortgage99
98%
99%100%
Navy Federal Credit Union119
95%
94%67%
Mortgage Research Center306
92%
93%26%

Maryland: how many borrowers are behind on payments?

In December 2025, 2.3% of Maryland 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: 1.0%). Chart Maryland against any county or metro area →

30–89 days late
2.3%
90+ days late
1.1%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
9 of 51
Maryland mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%6%20082012201620202024MD 30–89, December 2025: 2.3%MD 30–89 2.3%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%MD 90+, December 2025: 1.1%MD 90+ 1.1%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Maryland metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Hagerstown-Martinsburg, MD-WV3.7%1.4%+0.2 pts
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD2.6%1.2%+0.2 pts
Baltimore-Columbia-Towson, MD2.4%1.1%±0.0 pts
Lexington Park, MD2.7%1.1%+0.1 pts
Washington-Arlington-Alexandria, DC-VA-MD-WV1.5%0.7%±0.0 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 Maryland?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 35% at 50–60% in 2025.

Which lenders in Maryland 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: 86% of Maryland 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 Maryland, 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.