Which lenders close above 50% DTI in Montana?
In Montana in 2025, lenders decided 72 conventional purchase applications at 50–60% DTI and approved 17% of them, below the national 35%. FHA approved 90%, VA 94%.
approved of 72 decisions.
Montana: conventional lenders at 50–60% DTI
No conventional lender reached 30 decisions in this band.
Montana: FHA lenders
No FHA lender reached 50 decisions in this band.
Montana: VA lenders
| Lender | Decisions | Approved · denied | At ≤43% | Denials citing DTI |
|---|---|---|---|---|
| Mortgage Research Center | 96 | 91% | 67% |
Montana: how many borrowers are behind on payments?
In December 2025, 1.6% of Montana 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 Montana against any county or metro area →
| Area | 30–89 days | 90+ days | 12-mo change |
|---|---|---|---|
| Billings, MT | 1.7% | 0.8% | +0.1 pts |
| Missoula, MT | 1.1% | 0.7% | +0.5 pts |
| Montana (non-metro areas) | 2.0% | 0.7% | −0.1 pts |
| Bozeman, MT | 0.8% | 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 Montana?
The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 17% at 50–60% in 2025.
Which lenders in Montana 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 Montana 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 Montana, 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.
Who said yes above 50% DTI: the 2025 lender sheet
2.9 million purchase decisions from 2,523 lenders, ranked by approval rate at 50–60% DTI. One page per state, conventional / FHA / VA. Nobody else publishes it:
- The lenders in your state that actually approve high-ratio files, with the decision count behind every percentage
- Which ones are lenient everywhere and which only above 50%, so you know who to call first
- Builder lenders flagged, so a buydown-fed 95% doesn’t fool you
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