Ground Figures
Lender data → Approvals → Minnesota

Which lenders close above 50% DTI in Minnesota?

In Minnesota in 2025, lenders decided 399 conventional purchase applications at 50–60% DTI and approved 38% of them, above the national 35% and 16th of 43 states ranked. FHA approved 90%, VA 95%.

Minnesota · conventional · 50–60% DTI
38%

approved of 399 decisions.

Decisions, all bands
56,375
Conv. 50–60%
38%
FHA 50–60%
90%
VA 50–60%
95%
Decisions in view
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Approved, all lenders
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Lenders shown
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Minnesota: share approved by DTI band and program, 2025 MINNESOTA: 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 32,047 Conventional, 44–45%: 97% approved of 3,890 Conventional, 46–49%: 97% approved of 8,749 Conventional, 50–60%: 38% approved of 399 Conventional, >60%: 10% approved of 429 FHA, ≤43%: 93% approved of 2,819 FHA, 44–45%: 94% approved of 645 FHA, 46–49%: 93% approved of 1,628 FHA, 50–60%: 90% approved of 1,855 FHA, >60%: 1% approved of 207 VA, ≤43%: 94% approved of 1,839 VA, 44–45%: 95% approved of 288 VA, 46–49%: 94% approved of 540 VA, 50–60%: 95% approved of 891 VA, >60%: 60% approved of 149 38% 90% 95% VA 60% Conventional 10% FHA 1% Bands with fewer than 30 decisions omitted. Minnesota: conventional, DTI 50–60%, by lender type MINNESOTA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 62% approved of 52 62% · 52 Bank Bank: 29% approved of 82 29% · 82 Independent mortgage co. Independent mortgage co.: 28% approved of 141 28% · 141

Minnesota: conventional lenders at 50–60% DTI

Minnesota: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage32
6%
97%97%

Minnesota: FHA lenders

Minnesota: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage259
93%
95%32%

Minnesota: VA lenders

Minnesota: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center233
93%
95%35%

Minnesota: how many borrowers are behind on payments?

In December 2025, 1.5% of Minnesota 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 Minnesota 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
Minnesota 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%MN 30–89, December 2025: 1.5%MN 30–89 1.5%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%MN 90+, December 2025: 0.6%MN 90+ 0.6%
Minnesota metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Minnesota (non-metro areas)2.2%1.0%+0.1 pts
Brainerd, MN1.5%0.9%+0.5 pts
Sioux Falls, SD-MN1.9%0.8%+0.3 pts
La Crosse-Onalaska, WI-MN1.4%0.7%−0.1 pts
Duluth, MN-WI2.0%0.6%−0.4 pts
St. Cloud, MN1.8%0.6%+0.1 pts
Fargo, ND-MN1.1%0.5%−0.2 pts
Minneapolis-St. Paul-Bloomington, MN-WI1.4%0.5%±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 Minnesota?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 97% approval at 46–49% versus 38% at 50–60% in 2025.

Which lenders in Minnesota 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: 90% of Minnesota 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 Minnesota, 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.