Ground Figures
Lender data → Approvals → New Jersey

Which lenders close above 50% DTI in New Jersey?

In New Jersey in 2025, lenders decided 762 conventional purchase applications at 50–60% DTI and approved 27% of them, below the national 35% and 40th of 43 states ranked. FHA approved 89%, VA 90%.

New Jersey · conventional · 50–60% DTI
27%

approved of 762 decisions.

Decisions, all bands
64,204
Conv. 50–60%
27%
FHA 50–60%
89%
VA 50–60%
90%
Decisions in view
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Approved, all lenders
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Lenders shown
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New Jersey: share approved by DTI band and program, 2025 NEW JERSEY: 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 35,200 Conventional, 44–45%: 95% approved of 4,370 Conventional, 46–49%: 95% approved of 11,064 Conventional, 50–60%: 27% approved of 762 Conventional, >60%: 7% approved of 765 FHA, ≤43%: 91% approved of 2,896 FHA, 44–45%: 91% approved of 761 FHA, 46–49%: 91% approved of 1,815 FHA, 50–60%: 89% approved of 3,383 FHA, >60%: 1% approved of 313 VA, ≤43%: 93% approved of 1,192 VA, 44–45%: 93% approved of 207 VA, 46–49%: 93% approved of 458 VA, 50–60%: 90% approved of 825 VA, >60%: 64% approved of 193 27% 89% 90% VA 64% Conventional 7% FHA 1% Bands with fewer than 30 decisions omitted. New Jersey: conventional, DTI 50–60%, by lender type NEW JERSEY: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Bank Bank: 28% approved of 225 28% · 225 Independent mortgage co. Independent mortgage co.: 18% approved of 303 18% · 303 Builder-owned Builder-owned: 5% approved of 37 5% · 37

New Jersey: conventional lenders at 50–60% DTI

New Jersey: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage66
14%
94%93%

New Jersey: FHA lenders

New Jersey: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC315
93%
97%52%
United Wholesale Mortgage294
86%
83%50%

New Jersey: VA lenders

New Jersey: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center195
91%
93%17%

New Jersey: how many borrowers are behind on payments?

In December 2025, 2.0% of New Jersey 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: 0.8%). Chart New Jersey against any county or metro area →

30–89 days late
2.0%
90+ days late
0.9%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
21 of 51
New Jersey mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%2%4%6%8%20082012201620202024U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%NJ 30–89, December 2025: 2.0%NJ 30–89 2.0%NJ 90+, December 2025: 0.9%NJ 90+ 0.9%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
New Jersey metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD2.6%1.2%+0.2 pts
Allentown-Bethlehem-Easton, PA-NJ2.6%1.0%+0.1 pts
Atlantic City-Hammonton, NJ1.8%0.9%±0.0 pts
Trenton-Princeton, NJ1.8%0.9%+0.1 pts
New York-Newark-Jersey City, NY-NJ1.7%0.8%±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 New Jersey?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 27% at 50–60% in 2025.

Which lenders in New Jersey 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: 89% of New Jersey 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 New Jersey, 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.