Ground Figures
Lender data → Approvals → New York

Which lenders close above 50% DTI in New York?

In New York in 2025, lenders decided 1,443 conventional purchase applications at 50–60% DTI and approved 35% of them, below the national 35% and 22th of 43 states ranked. FHA approved 88%, VA 90%.

New York · conventional · 50–60% DTI
35%

approved of 1,443 decisions.

Decisions, all bands
94,700
Conv. 50–60%
35%
FHA 50–60%
88%
VA 50–60%
90%
Decisions in view
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Approved, all lenders
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Lenders shown
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Spread, best to worst
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New York: share approved by DTI band and program, 2025 NEW YORK: 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%: 94% approved of 57,428 Conventional, 44–45%: 93% approved of 6,267 Conventional, 46–49%: 94% approved of 14,312 Conventional, 50–60%: 35% approved of 1,443 Conventional, >60%: 8% approved of 1,232 FHA, ≤43%: 88% approved of 3,214 FHA, 44–45%: 91% approved of 780 FHA, 46–49%: 91% approved of 1,855 FHA, 50–60%: 88% approved of 3,988 FHA, >60%: 1% approved of 346 VA, ≤43%: 92% approved of 1,882 VA, 44–45%: 92% approved of 266 VA, 46–49%: 93% approved of 576 VA, 50–60%: 90% approved of 922 VA, >60%: 51% approved of 189 35% 88% 90% VA 51% Conventional 8% FHA 1% Bands with fewer than 30 decisions omitted. New York: conventional, DTI 50–60%, by lender type NEW YORK: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 72% approved of 158 72% · 158 Independent mortgage co. Independent mortgage co.: 28% approved of 569 28% · 569 Bank Bank: 19% approved of 462 19% · 462

New York: conventional lenders at 50–60% DTI

New York: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
JPMorgan Chase Bank, NA102
14%
92%68%
United Wholesale Mortgage111
6%
95%88%

New York: FHA lenders

New York: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Nationwide Mortgage Bankers, Inc.194
96%
100%14%
CrossCountry Mortgage, LLC182
96%
94%50%
Premium Mortgage Corporation234
95%
97%25%
United Wholesale Mortgage703
90%
89%54%
Rocket Mortgage210
72%
76%22%

New York: VA lenders

New York: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center211
93%
93%27%

New York: how many borrowers are behind on payments?

In December 2025, 2.0% of New York mortgages were 30–89 days late and 1.0% were 90 or more days late, above the U.S. rate of 0.9%. That is the 15th highest of 51 states and D.C. (a year earlier: 0.9%). Chart New York against any county or metro area →

30–89 days late
2.0%
90+ days late
1.0%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
15 of 51
New York 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%NY 30–89, December 2025: 2.0%NY 30–89 2.0%NY 90+, December 2025: 1.0%NY 90+ 1.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
New York metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Utica-Rome, NY2.5%1.7%+0.2 pts
Binghamton, NY2.0%1.2%+0.2 pts
Syracuse, NY2.6%1.2%+0.3 pts
Buffalo-Cheektowaga, NY2.5%1.1%+0.3 pts
Kiryas Joel-Poughkeepsie-Newburgh, NY2.2%1.1%+0.1 pts
Rochester, NY2.3%1.0%+0.2 pts
Albany-Schenectady-Troy, NY2.0%0.8%−0.1 pts
New York (non-metro areas)3.0%0.8%−0.2 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 York?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 94% approval at 46–49% versus 35% at 50–60% in 2025.

Which lenders in New York 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: 88% of New York 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 York, 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.