Ground Figures
Lender data → Approvals → Missouri

Which lenders close above 50% DTI in Missouri?

In Missouri in 2025, lenders decided 482 conventional purchase applications at 50–60% DTI and approved 46% of them, above the national 35% and 3rd of 43 states ranked. FHA approved 90%, VA 94%.

Missouri · conventional · 50–60% DTI
46%

approved of 482 decisions.

Decisions, all bands
59,011
Conv. 50–60%
46%
FHA 50–60%
90%
VA 50–60%
94%
Decisions in view
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Missouri: share approved by DTI band and program, 2025 MISSOURI: 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 29,813 Conventional, 44–45%: 97% approved of 2,977 Conventional, 46–49%: 96% approved of 5,969 Conventional, 50–60%: 46% approved of 482 Conventional, >60%: 23% approved of 463 FHA, ≤43%: 93% approved of 6,370 FHA, 44–45%: 95% approved of 1,152 FHA, 46–49%: 92% approved of 2,125 FHA, 50–60%: 90% approved of 2,643 FHA, >60%: 2% approved of 163 VA, ≤43%: 94% approved of 3,475 VA, 44–45%: 94% approved of 537 VA, 46–49%: 94% approved of 1,016 VA, 50–60%: 94% approved of 1,532 VA, >60%: 70% approved of 294 46% 90% 94% VA 70% Conventional 23% FHA 2% Bands with fewer than 30 decisions omitted. Missouri: conventional, DTI 50–60%, by lender type MISSOURI: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Bank Bank: 57% approved of 172 57% · 172 Credit union Credit union: 50% approved of 62 50% · 62 Independent mortgage co. Independent mortgage co.: 33% approved of 109 33% · 109

Missouri: conventional lenders at 50–60% DTI

Missouri: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
The Central Trust Bank51
86%
99%57%
First State Community Bank32
66%
91%73%

Missouri: FHA lenders

Missouri: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Flat Branch Mortgage, Inc.272
99%
99%50%
Guild Mortgage Company215
94%
95%46%
United Wholesale Mortgage199
92%
94%31%

Missouri: VA lenders

Missouri: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Flat Branch Mortgage, Inc.133
98%
99%50%
Mortgage Research Center483
92%
94%15%

Missouri: how many borrowers are behind on payments?

In December 2025, 2.3% of Missouri mortgages were 30–89 days late and 0.9% were 90 or more days late, in line with the U.S. rate of 0.9%. That is the 21st highest of 51 states and D.C. (a year earlier: 0.7%). Chart Missouri against any county or metro area →

30–89 days late
2.3%
90+ days late
0.9%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
21 of 51
Missouri mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024MO 30–89, December 2025: 2.3%MO 30–89 2.3%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%MO 90+, December 2025: 0.9%MO 90+ 0.9%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Missouri 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
Missouri (non-metro areas)2.4%0.9%+0.3 pts
Kansas City, MO-KS2.0%0.8%+0.2 pts
Springfield, MO2.0%0.8%+0.1 pts
St. Louis, MO-IL2.2%0.8%+0.1 pts
Columbia, MO1.4%0.5%±0.0 pts
Jefferson City, MO1.9%0.2%±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 Missouri?

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

Which lenders in Missouri 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 Missouri 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 Missouri, 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.