Ground Figures
Lender data → Approvals → Ohio

Which lenders close above 50% DTI in Ohio?

In Ohio in 2025, lenders decided 852 conventional purchase applications at 50–60% DTI and approved 29% of them, below the national 35% and 32th of 43 states ranked. FHA approved 88%, VA 92%.

Ohio · conventional · 50–60% DTI
29%

approved of 852 decisions.

Decisions, all bands
110,678
Conv. 50–60%
29%
FHA 50–60%
88%
VA 50–60%
92%
Decisions in view
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Ohio: share approved by DTI band and program, 2025 OHIO: 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%: 97% approved of 57,858 Conventional, 44–45%: 96% approved of 5,815 Conventional, 46–49%: 96% approved of 12,907 Conventional, 50–60%: 29% approved of 852 Conventional, >60%: 8% approved of 912 FHA, ≤43%: 92% approved of 10,283 FHA, 44–45%: 93% approved of 1,927 FHA, 46–49%: 92% approved of 4,133 FHA, 50–60%: 88% approved of 5,727 FHA, >60%: 1% approved of 626 VA, ≤43%: 94% approved of 5,125 VA, 44–45%: 95% approved of 704 VA, 46–49%: 94% approved of 1,414 VA, 50–60%: 92% approved of 1,983 VA, >60%: 54% approved of 412 29% 88% 92% VA 54% Conventional 8% FHA 1% Bands with fewer than 30 decisions omitted. Ohio: conventional, DTI 50–60%, by lender type OHIO: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 65% approved of 80 65% · 80 Bank Bank: 23% approved of 290 23% · 290 Independent mortgage co. Independent mortgage co.: 20% approved of 241 20% · 241 Builder-owned Builder-owned: 2% approved of 48 2% · 48

Ohio: conventional lenders at 50–60% DTI

Ohio: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
The Park National Bank43
65%
96%93%
Huntington National Bank41
17%
97%85%
JPMorgan Chase Bank, NA33
9%
93%63%
United Wholesale Mortgage47
9%
97%84%
Rocket Mortgage41
5%
92%79%

Ohio: FHA lenders

Ohio: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC655
97%
98%62%
Union Home Mortgage Corp.239
96%
95%56%
Nfm, Inc150
96%
98%50%
United Wholesale Mortgage370
88%
92%20%
DHI Mortgage Company, Ltd. builder218
84%
86%74%
Rocket Mortgage313
84%
84%41%

Ohio: VA lenders

Ohio: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC100
99%
99%0%
Navy Federal Credit Union82
93%
95%50%
Mortgage Research Center559
91%
93%22%

Ohio: how many borrowers are behind on payments?

In December 2025, 2.4% of Ohio 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 Ohio against any county or metro area →

30–89 days late
2.4%
90+ days late
1.0%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
15 of 51
Ohio mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024OH 30–89, December 2025: 2.4%OH 30–89 2.4%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%OH 90+, December 2025: 1.0%OH 90+ 1.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Ohio metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Ohio (non-metro areas)3.4%1.4%−0.2 pts
Cleveland, OH2.5%1.3%+0.4 pts
Toledo, OH3.0%1.3%+0.3 pts
Huntington-Ashland, WV-KY-OH3.3%1.2%+0.3 pts
Youngstown-Warren, OH2.7%1.2%+0.2 pts
Dayton-Kettering-Beavercreek, OH2.6%1.1%+0.1 pts
Canton-Massillon, OH2.6%1.0%−0.1 pts
Sandusky, OH2.3%0.9%+0.5 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 Ohio?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 29% at 50–60% in 2025.

Which lenders in Ohio 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 Ohio 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 Ohio, 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.