Ground Figures
Lender data → Approvals → Pennsylvania

Which lenders close above 50% DTI in Pennsylvania?

In Pennsylvania in 2025, lenders decided 823 conventional purchase applications at 50–60% DTI and approved 34% of them, below the national 35% and 24th of 43 states ranked. FHA approved 88%, VA 92%.

Pennsylvania · conventional · 50–60% DTI
34%

approved of 823 decisions.

Decisions, all bands
98,645
Conv. 50–60%
34%
FHA 50–60%
88%
VA 50–60%
92%
Decisions in view
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Pennsylvania: share approved by DTI band and program, 2025 PENNSYLVANIA: 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 54,713 Conventional, 44–45%: 96% approved of 5,740 Conventional, 46–49%: 96% approved of 12,601 Conventional, 50–60%: 34% approved of 823 Conventional, >60%: 9% approved of 843 FHA, ≤43%: 91% approved of 8,251 FHA, 44–45%: 92% approved of 1,622 FHA, 46–49%: 91% approved of 2,666 FHA, 50–60%: 88% approved of 4,388 FHA, >60%: 0% approved of 357 VA, ≤43%: 93% approved of 3,771 VA, 44–45%: 94% approved of 468 VA, 46–49%: 95% approved of 876 VA, 50–60%: 92% approved of 1,269 VA, >60%: 54% approved of 257 34% 88% 92% VA 54% Conventional 9% FHA 0% Bands with fewer than 30 decisions omitted. Pennsylvania: conventional, DTI 50–60%, by lender type PENNSYLVANIA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 65% approved of 43 65% · 43 Bank Bank: 31% approved of 291 31% · 291 Independent mortgage co. Independent mortgage co.: 24% approved of 278 24% · 278

Pennsylvania: conventional lenders at 50–60% DTI

Pennsylvania: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Navy Federal Credit Union31
74%
92%75%
United Wholesale Mortgage51
14%
97%84%
Wells Fargo Bank NA37
3%
93%100%
Rocket Mortgage46
2%
93%93%

Pennsylvania: FHA lenders

Pennsylvania: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC373
95%
98%56%
Movement Mortgage, LLC187
94%
96%25%
New American Funding, LLC159
92%
92%25%
United Wholesale Mortgage309
91%
92%48%
Rocket Mortgage366
81%
82%40%

Pennsylvania: VA lenders

Pennsylvania: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center381
91%
94%23%

Pennsylvania: how many borrowers are behind on payments?

In December 2025, 2.5% of Pennsylvania 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 Pennsylvania against any county or metro area →

30–89 days late
2.5%
90+ days late
1.0%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
15 of 51
Pennsylvania mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024PA 30–89, December 2025: 2.5%PA 30–89 2.5%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%PA 90+, December 2025: 1.0%PA 90+ 1.0%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Pennsylvania metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Chambersburg, PA2.7%1.6%+0.1 pts
Pennsylvania (non-metro areas)2.1%1.6%+0.4 pts
East Stroudsburg, PA3.5%1.5%−0.1 pts
Scranton--Wilkes-Barre, PA2.9%1.4%+0.3 pts
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD2.6%1.2%+0.2 pts
York-Hanover, PA2.9%1.1%+0.3 pts
Allentown-Bethlehem-Easton, PA-NJ2.6%1.0%+0.1 pts
Pittsburgh, PA2.7%1.0%+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 Pennsylvania?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 34% at 50–60% in 2025.

Which lenders in Pennsylvania 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 Pennsylvania 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 Pennsylvania, 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.