Ground Figures
Lender data → Approvals → Texas

Which lenders close above 50% DTI in Texas?

In Texas in 2025, lenders decided 3,680 conventional purchase applications at 50–60% DTI and approved 33% of them, below the national 35% and 27th of 43 states ranked. FHA approved 89%, VA 92%.

Texas · conventional · 50–60% DTI
33%

approved of 3,680 decisions.

Decisions, all bands
314,285
Conv. 50–60%
33%
FHA 50–60%
89%
VA 50–60%
92%
Decisions in view
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Approved, all lenders
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Lenders shown
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Texas: share approved by DTI band and program, 2025 TEXAS: 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%: 95% approved of 108,630 Conventional, 44–45%: 95% approved of 13,164 Conventional, 46–49%: 95% approved of 32,358 Conventional, 50–60%: 33% approved of 3,680 Conventional, >60%: 7% approved of 4,160 FHA, ≤43%: 93% approved of 40,128 FHA, 44–45%: 93% approved of 7,789 FHA, 46–49%: 92% approved of 17,400 FHA, 50–60%: 89% approved of 35,478 FHA, >60%: 1% approved of 4,919 VA, ≤43%: 94% approved of 20,464 VA, 44–45%: 94% approved of 3,199 VA, 46–49%: 93% approved of 6,547 VA, 50–60%: 92% approved of 12,669 VA, >60%: 65% approved of 3,700 33% 89% 92% VA 65% Conventional 7% FHA 1% Bands with fewer than 30 decisions omitted. Texas: conventional, DTI 50–60%, by lender type TEXAS: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 74% approved of 484 74% · 484 Bank Bank: 30% approved of 819 30% · 819 Independent mortgage co. Independent mortgage co.: 27% approved of 1,555 27% · 1,555 Builder-owned Builder-owned: 3% approved of 405 3% · 405

Texas: conventional lenders at 50–60% DTI

Texas: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Randolph-Brooks Federal Credit Union175
90%
95%44%
Security Service91
75%
79%39%
Navy Federal Credit Union125
71%
91%69%
Rally Credit Union135
68%
85%56%
Prosperity Bank81
48%
83%90%
JPMorgan Chase Bank, NA134
13%
95%69%
United Wholesale Mortgage317
11%
95%87%
Wells Fargo Bank NA70
10%
92%98%
Lennar Mortgage, LLC builder163
3%
91%86%
Rocket Mortgage197
2%
91%81%
DHI Mortgage Company, Ltd. builder91
1%
94%89%

Texas: FHA lenders

Texas: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Velocio Mortgage, L.L.C. builder623
98%
100%100%
CrossCountry Mortgage, LLC732
97%
97%43%
CMG Mortgage Inc1,140
96%
97%49%
Fairway Independent Mort Corp603
95%
98%39%
New American Funding, LLC604
95%
95%7%
Guild Mortgage Company686
94%
97%62%
PrimeLending537
93%
95%64%
SFMC, LP480
93%
99%76%
United Wholesale Mortgage2,668
91%
93%46%
DHI Mortgage Company, Ltd. builder4,491
87%
90%40%
Pulte Mortgage LLC builder461
85%
89%63%
Rocket Mortgage979
83%
86%53%
Lennar Mortgage, LLC builder3,611
80%
90%51%
Kind Lending, LLC458
80%
82%0%
loanDepot.com LLC974
74%
86%71%

Texas: VA lenders

Texas: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CrossCountry Mortgage, LLC252
98%
98%50%
Fairway Independent Mort Corp275
98%
98%50%
CMG Mortgage Inc366
96%
98%54%
Ark-La-Tex Financial Services LLC192
96%
99%29%
Mortgage Solutions of Colorado400
95%
95%0%
United Wholesale Mortgage743
93%
96%43%
Navy Federal Credit Union354
92%
94%21%
NewRez LLC180
92%
96%20%
Mortgage Research Center1,632
91%
93%19%
Pulte Mortgage LLC builder181
91%
95%24%
DHI Mortgage Company, Ltd. builder1,108
90%
92%23%
PrimeLending187
89%
96%76%
Rocket Mortgage213
88%
93%40%
loanDepot.com LLC244
80%
91%69%
Lennar Mortgage, LLC builder594
80%
89%35%

Texas: how many borrowers are behind on payments?

In December 2025, 2.9% of Texas 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 Texas against any county or metro area →

30–89 days late
2.9%
90+ days late
1.2%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
5 of 51
Texas mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%6%20082012201620202024TX 30–89, December 2025: 2.9%TX 30–89 2.9%U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%TX 90+, December 2025: 1.2%TX 90+ 1.2%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%
Texas metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Laredo, TX7.6%2.5%±0.0 pts
Odessa, TX5.2%2.3%+0.8 pts
Beaumont-Port Arthur, TX3.8%1.7%−0.1 pts
McAllen-Edinburg-Mission, TX5.1%1.7%+0.4 pts
Sherman-Denison, TX2.5%1.6%+0.9 pts
Houston-Pasadena-The Woodlands, TX3.1%1.4%+0.2 pts
San Antonio-New Braunfels, TX3.0%1.4%+0.5 pts
Texas (non-metro areas)3.5%1.4%+0.4 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 Texas?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 95% approval at 46–49% versus 33% at 50–60% in 2025.

Which lenders in Texas 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 Texas 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 Texas, 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.