Which lenders close above 50% DTI in North Carolina?
In North Carolina in 2025, lenders decided 1,553 conventional purchase applications at 50–60% DTI and approved 42% of them, above the national 35% and 10th of 43 states ranked. FHA approved 89%, VA 95%.
approved of 1,553 decisions.
North Carolina: conventional lenders at 50–60% DTI
| Lender | Decisions | Approved · denied | At ≤43% | Denials citing DTI |
|---|---|---|---|---|
| Navy Federal Credit Union | 74 | 95% | 47% | |
| State Employees’ Credit Union | 640 | 93% | 90% |
North Carolina: FHA lenders
| Lender | Decisions | Approved · denied | At ≤43% | Denials citing DTI |
|---|---|---|---|---|
| Movement Mortgage, LLC | 399 | 98% | 50% | |
| CrossCountry Mortgage, LLC | 246 | 98% | 56% | |
| Atlantic Bay Mortgage Group | 290 | 99% | 9% | |
| United Wholesale Mortgage | 326 | 91% | 44% | |
| Rocket Mortgage | 348 | 89% | 28% | |
| DHI Mortgage Company, Ltd. builder | 797 | 89% | 51% | |
| Lennar Mortgage, LLC builder | 174 | 87% | 70% | |
| loanDepot.com LLC | 364 | 89% | 60% |
North Carolina: VA lenders
| Lender | Decisions | Approved · denied | At ≤43% | Denials citing DTI |
|---|---|---|---|---|
| Atlantic Bay Mortgage Group | 119 | 99% | 0% | |
| Guild Mortgage Company | 109 | 100% | 0% | |
| CrossCountry Mortgage, LLC | 141 | 99% | 0% | |
| Jet Homeloans, LP | 99 | 99% | 0% | |
| Movement Mortgage, LLC | 218 | 99% | 33% | |
| Guaranteed Rate, Inc. | 102 | 99% | 50% | |
| Mortgage Solutions of Colorado | 88 | 95% | 100% | |
| United Wholesale Mortgage | 155 | 96% | 40% | |
| Navy Federal Credit Union | 291 | 95% | 40% | |
| Mortgage Research Center | 867 | 94% | 17% | |
| NewRez LLC | 125 | 98% | 0% | |
| Freedom Mortgage Corporation | 98 | 96% | 29% | |
| DHI Mortgage Company, Ltd. builder | 285 | 93% | 38% | |
| Rocket Mortgage | 86 | 95% | 40% |
North Carolina: how many borrowers are behind on payments?
In December 2025, 2.4% of North Carolina 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 North Carolina against any county or metro area →
| Area | 30–89 days | 90+ days | 12-mo change |
|---|---|---|---|
| Hickory-Lenoir-Morganton, NC | 3.4% | 1.7% | +0.9 pts |
| Jacksonville, NC | 2.5% | 1.6% | +0.4 pts |
| Fayetteville, NC | 3.1% | 1.5% | +0.4 pts |
| Greenville, NC | 3.1% | 1.4% | +0.2 pts |
| North Carolina (non-metro areas) | 3.4% | 1.3% | +0.2 pts |
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 2.3% | 1.1% | +0.2 pts |
| Anderson Creek, NC | 3.1% | 0.9% | +0.5 pts |
| Burlington, NC | 3.1% | 0.9% | ±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.
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 · Nevada · New Hampshire · New Jersey · New Mexico · New York · 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 North Carolina?
The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 42% at 50–60% in 2025.
Which lenders in North Carolina 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 North Carolina 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 North Carolina, 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
Check your inbox. Click the confirmation link and the lender sheet arrives right after. If it isn’t there in a minute, look in spam — that’s where it usually is.
You’ll also get one email a month on what actually changed in mortgage rules and costs, written by a licensed loan officer with the math shown. Unsubscribe in one click, any time. Privacy Policy.