Ground Figures
Lender data → Approvals → Nevada

Which lenders close above 50% DTI in Nevada?

In Nevada in 2025, lenders decided 399 conventional purchase applications at 50–60% DTI and approved 33% of them, below the national 35% and 26th of 43 states ranked. FHA approved 91%, VA 94%.

Nevada · conventional · 50–60% DTI
33%

approved of 399 decisions.

Decisions, all bands
32,835
Conv. 50–60%
33%
FHA 50–60%
91%
VA 50–60%
94%
Decisions in view
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Approved, all lenders
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Lenders shown
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Nevada: share approved by DTI band and program, 2025 NEVADA: 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%: 95% approved of 11,944 Conventional, 44–45%: 96% approved of 1,790 Conventional, 46–49%: 95% approved of 4,531 Conventional, 50–60%: 33% approved of 399 Conventional, >60%: 3% approved of 504 FHA, ≤43%: 94% approved of 2,910 FHA, 44–45%: 95% approved of 820 FHA, 46–49%: 94% approved of 1,717 FHA, 50–60%: 91% approved of 3,062 FHA, >60%: 1% approved of 297 VA, ≤43%: 95% approved of 1,947 VA, 44–45%: 94% approved of 312 VA, 46–49%: 95% approved of 692 VA, 50–60%: 94% approved of 1,487 VA, >60%: 70% approved of 423 33% 91% 94% VA 70% Conventional 3% FHA 1% Bands with fewer than 30 decisions omitted. Nevada: conventional, DTI 50–60%, by lender type NEVADA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Independent mortgage co. Independent mortgage co.: 16% approved of 108 16% · 108 Bank Bank: 11% approved of 37 11% · 37 Builder-owned Builder-owned: 7% approved of 69 7% · 69

Nevada: conventional lenders at 50–60% DTI

Nevada: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage39
3%
95%89%

Nevada: FHA lenders

Nevada: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guild Mortgage Company333
97%
98%67%
DHI Mortgage Company, Ltd. builder346
93%
94%75%
Lennar Mortgage, LLC builder176
91%
94%75%
United Wholesale Mortgage434
91%
94%37%

Nevada: VA lenders

Nevada: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guild Mortgage Company86
99%
100%0%
DHI Mortgage Company, Ltd. builder151
97%
98%75%
Mortgage Research Center205
94%
94%8%
United Wholesale Mortgage124
94%
96%25%
Lennar Mortgage, LLC builder84
93%
96%67%

Nevada: how many borrowers are behind on payments?

In December 2025, 1.6% of Nevada mortgages were 30–89 days late and 0.8% were 90 or more days late, below the U.S. rate of 0.9%. That is the 30th highest of 51 states and D.C. (a year earlier: 0.7%). Chart Nevada against any county or metro area →

30–89 days late
1.6%
90+ days late
0.8%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
30 of 51
Nevada mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%2%4%6%8%10%12%20082012201620202024U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%NV 30–89, December 2025: 1.6%NV 30–89 1.6%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%NV 90+, December 2025: 0.8%NV 90+ 0.8%
Nevada metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Las Vegas-Henderson-North Las Vegas, NV1.6%0.8%+0.1 pts
Reno, NV1.5%0.7%+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.

Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming

Questions

What is the maximum DTI for a conventional loan in Nevada?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 33% at 50–60% in 2025.

Which lenders in Nevada 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: 91% of Nevada 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 Nevada, 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.