Ground Figures
Lender data → Approvals → Massachusetts

Which lenders close above 50% DTI in Massachusetts?

In Massachusetts in 2025, lenders decided 588 conventional purchase applications at 50–60% DTI and approved 42% of them, above the national 35% and 8th of 43 states ranked. FHA approved 92%, VA 94%.

Massachusetts · conventional · 50–60% DTI
42%

approved of 588 decisions.

Decisions, all bands
46,512
Conv. 50–60%
42%
FHA 50–60%
92%
VA 50–60%
94%
Decisions in view
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Massachusetts: share approved by DTI band and program, 2025 MASSACHUSETTS: 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 28,147 Conventional, 44–45%: 96% approved of 3,474 Conventional, 46–49%: 96% approved of 7,112 Conventional, 50–60%: 42% approved of 588 Conventional, >60%: 14% approved of 517 FHA, ≤43%: 92% approved of 1,245 FHA, 44–45%: 93% approved of 393 FHA, 46–49%: 93% approved of 868 FHA, 50–60%: 92% approved of 1,998 FHA, >60%: 5% approved of 164 VA, ≤43%: 95% approved of 864 VA, 44–45%: 91% approved of 154 VA, 46–49%: 91% approved of 316 VA, 50–60%: 94% approved of 545 VA, >60%: 63% approved of 127 42% 92% 94% VA 63% Conventional 14% FHA 5% Bands with fewer than 30 decisions omitted. Massachusetts: conventional, DTI 50–60%, by lender type MASSACHUSETTS: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 59% approved of 54 59% · 54 Bank Bank: 40% approved of 181 40% · 181 Independent mortgage co. Independent mortgage co.: 34% approved of 196 34% · 196

Massachusetts: conventional lenders at 50–60% DTI

Massachusetts: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Cape Cod Five Cents Savings Bank46
87%
98%50%
United Wholesale Mortgage34
9%
96%74%

Massachusetts: FHA lenders

Massachusetts: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage265
92%
91%36%

Massachusetts: VA lenders

Massachusetts: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center150
94%
94%22%

Massachusetts: how many borrowers are behind on payments?

In December 2025, 1.5% of Massachusetts mortgages were 30–89 days late and 0.6% were 90 or more days late, below the U.S. rate of 0.9%. That is the 40th highest of 51 states and D.C. (a year earlier: 0.5%). Chart Massachusetts against any county or metro area →

30–89 days late
1.5%
90+ days late
0.6%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
40 of 51
Massachusetts 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%MA 30–89, December 2025: 1.5%MA 30–89 1.5%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%MA 90+, December 2025: 0.6%MA 90+ 0.6%
Massachusetts metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Springfield, MA2.9%1.2%+0.1 pts
Pittsfield, MA1.9%1.1%+0.6 pts
Providence-Warwick, RI-MA2.3%0.9%+0.1 pts
Worcester, MA2.1%0.7%+0.1 pts
Amherst Town-Northampton, MA1.2%0.6%+0.2 pts
Boston-Cambridge-Newton, MA-NH1.3%0.5%+0.1 pts
Barnstable Town, MA1.1%0.3%−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 Massachusetts?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 42% at 50–60% in 2025.

Which lenders in Massachusetts 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: 92% of Massachusetts 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 Massachusetts, 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.