Ground Figures
Lender data → Approvals → Tennessee

Which lenders close above 50% DTI in Tennessee?

In Tennessee in 2025, lenders decided 646 conventional purchase applications at 50–60% DTI and approved 36% of them, above the national 35% and 21th of 43 states ranked. FHA approved 90%, VA 93%.

Tennessee · conventional · 50–60% DTI
36%

approved of 646 decisions.

Decisions, all bands
71,379
Conv. 50–60%
36%
FHA 50–60%
90%
VA 50–60%
93%
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Tennessee: share approved by DTI band and program, 2025 TENNESSEE: 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 31,205 Conventional, 44–45%: 96% approved of 3,622 Conventional, 46–49%: 95% approved of 7,544 Conventional, 50–60%: 36% approved of 646 Conventional, >60%: 11% approved of 778 FHA, ≤43%: 93% approved of 7,482 FHA, 44–45%: 93% approved of 1,573 FHA, 46–49%: 92% approved of 2,974 FHA, 50–60%: 90% approved of 4,750 FHA, >60%: 1% approved of 436 VA, ≤43%: 95% approved of 4,788 VA, 44–45%: 95% approved of 766 VA, 46–49%: 94% approved of 1,492 VA, 50–60%: 93% approved of 2,683 VA, >60%: 68% approved of 640 36% 90% 93% VA 68% Conventional 11% FHA 1% Bands with fewer than 30 decisions omitted. Tennessee: conventional, DTI 50–60%, by lender type TENNESSEE: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 46% approved of 70 46% · 70 Bank Bank: 36% approved of 151 36% · 151 Independent mortgage co. Independent mortgage co.: 20% approved of 179 20% · 179

Tennessee: conventional lenders at 50–60% DTI

Tennessee: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Wilson Bank and Trust38
82%
98%86%
United Wholesale Mortgage32
16%
97%85%
Rocket Mortgage32
0%
92%91%

Tennessee: FHA lenders

Tennessee: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Investors Group223
97%
97%71%
CMG Mortgage Inc295
96%
98%58%
United Wholesale Mortgage406
93%
94%54%
First Community Mortgage, Inc.193
91%
97%78%
DHI Mortgage Company, Ltd. builder264
91%
88%52%
Rocket Mortgage199
81%
85%46%

Tennessee: VA lenders

Tennessee: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guaranteed Rate, Inc.129
98%
99%0%
CMG Mortgage Inc120
97%
99%50%
United Wholesale Mortgage146
96%
96%33%
DHI Mortgage Company, Ltd. builder88
93%
96%50%
Mortgage Research Center615
93%
96%24%

Tennessee: how many borrowers are behind on payments?

In December 2025, 2.3% of Tennessee 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 Tennessee against any county or metro area →

30–89 days late
2.3%
90+ days late
0.9%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
21 of 51
Tennessee mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%6%20082012201620202024TN 30–89, December 2025: 2.3%TN 30–89 2.3%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%TN 90+, December 2025: 0.9%TN 90+ 0.9%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Tennessee metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Kingsport-Bristol, TN-VA2.6%1.4%+0.9 pts
Memphis, TN-MS-AR3.5%1.4%+0.3 pts
Clarksville, TN-KY2.8%1.3%−0.1 pts
Tennessee (non-metro areas)3.3%1.3%+0.2 pts
Jackson, TN3.5%0.9%−0.4 pts
Knoxville, TN2.2%0.9%+0.3 pts
Nashville-Davidson--Murfreesboro--Franklin, TN1.7%0.8%+0.2 pts
Chattanooga, TN-GA2.2%0.7%±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.

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Questions

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

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 36% at 50–60% in 2025.

Which lenders in Tennessee 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 Tennessee 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 Tennessee, 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.