Ground Figures
Lender data → Approvals → Oklahoma

Which lenders close above 50% DTI in Oklahoma?

In Oklahoma in 2025, lenders decided 270 conventional purchase applications at 50–60% DTI and approved 44% of them, above the national 35% and 7th of 43 states ranked. FHA approved 90%, VA 93%.

Oklahoma · conventional · 50–60% DTI
44%

approved of 270 decisions.

Decisions, all bands
35,486
Conv. 50–60%
44%
FHA 50–60%
90%
VA 50–60%
93%
Decisions in view
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Approved, all lenders
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Lenders shown
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Oklahoma: share approved by DTI band and program, 2025 OKLAHOMA: 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%: 96% approved of 13,094 Conventional, 44–45%: 95% approved of 1,243 Conventional, 46–49%: 96% approved of 2,874 Conventional, 50–60%: 44% approved of 270 Conventional, >60%: 12% approved of 305 FHA, ≤43%: 95% approved of 6,259 FHA, 44–45%: 95% approved of 982 FHA, 46–49%: 94% approved of 1,729 FHA, 50–60%: 90% approved of 2,202 FHA, >60%: 1% approved of 243 VA, ≤43%: 93% approved of 3,359 VA, 44–45%: 95% approved of 423 VA, 46–49%: 94% approved of 846 VA, 50–60%: 93% approved of 1,379 VA, >60%: 61% approved of 278 44% 90% 93% VA 61% Conventional 12% FHA 1% Bands with fewer than 30 decisions omitted. Oklahoma: conventional, DTI 50–60%, by lender type OKLAHOMA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Bank Bank: 56% approved of 90 56% · 90 Independent mortgage co. Independent mortgage co.: 35% approved of 62 35% · 62

Oklahoma: conventional lenders at 50–60% DTI

Oklahoma: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Arvest Bank32
81%
97%67%

Oklahoma: FHA lenders

Oklahoma: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
First United Bank and Trust Co151
88%
98%50%

Oklahoma: VA lenders

Oklahoma: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
First United Bank and Trust Co89
99%
99%0%
Mortgage Research Center327
91%
93%11%

Oklahoma: how many borrowers are behind on payments?

In December 2025, 2.6% of Oklahoma mortgages were 30–89 days late and 1.2% were 90 or more days late, above the U.S. rate of 0.9%. That is the 5th highest of 51 states and D.C. (a year earlier: 1.0%). Chart Oklahoma against any county or metro area →

30–89 days late
2.6%
90+ days late
1.2%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
5 of 51
Oklahoma mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024OK 30–89, December 2025: 2.6%OK 30–89 2.6%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%OK 90+, December 2025: 1.2%OK 90+ 1.2%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Oklahoma metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Oklahoma (non-metro areas)3.5%1.4%−0.6 pts
Fort Smith, AR-OK3.5%1.2%±0.0 pts
Oklahoma City, OK2.3%1.1%+0.2 pts
Tulsa, OK2.4%1.0%+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.

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Questions

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

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 44% at 50–60% in 2025.

Which lenders in Oklahoma 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: 90% of Oklahoma 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 Oklahoma, 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.