Ground Figures
Lender data → Approvals → Utah

Which lenders close above 50% DTI in Utah?

In Utah in 2025, lenders decided 353 conventional purchase applications at 50–60% DTI and approved 26% of them, below the national 35% and 41th of 43 states ranked. FHA approved 94%, VA 94%.

Utah · conventional · 50–60% DTI
26%

approved of 353 decisions.

Decisions, all bands
37,355
Conv. 50–60%
26%
FHA 50–60%
94%
VA 50–60%
94%
Decisions in view
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Utah: share approved by DTI band and program, 2025 UTAH: 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 16,271 Conventional, 44–45%: 96% approved of 2,416 Conventional, 46–49%: 96% approved of 5,600 Conventional, 50–60%: 26% approved of 353 Conventional, >60%: 5% approved of 442 FHA, ≤43%: 94% approved of 2,708 FHA, 44–45%: 95% approved of 840 FHA, 46–49%: 96% approved of 1,905 FHA, 50–60%: 94% approved of 3,714 FHA, >60%: 1% approved of 195 VA, ≤43%: 95% approved of 1,217 VA, 44–45%: 96% approved of 195 VA, 46–49%: 94% approved of 460 VA, 50–60%: 94% approved of 884 VA, >60%: 64% approved of 155 26% 94% 94% VA 64% Conventional 5% FHA 1% Bands with fewer than 30 decisions omitted. Utah: conventional, DTI 50–60%, by lender type UTAH: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Independent mortgage co. Independent mortgage co.: 26% approved of 163 26% · 163 Credit union Credit union: 25% approved of 57 25% · 57

Utah: conventional lenders at 50–60% DTI

Utah: conventional, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
America First Federal Credit Union30
33%
88%95%
United Wholesale Mortgage57
11%
97%86%

Utah: FHA lenders

Utah: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Intercap Lending Inc347
99%
99%50%
Guild Mortgage Company322
99%
98%50%
First Colony Mortgage Corporat281
98%
98%67%
Securitynational Mortgage Company251
97%
98%29%
United Wholesale Mortgage430
94%
94%58%
Plains Commerce Bank158
94%
96%50%
DHI Mortgage Company, Ltd. builder174
87%
93%74%
Kind Lending, LLC188
78%
84%0%

Utah: VA lenders

Utah: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
United Wholesale Mortgage139
94%
99%38%
Mortgage Research Center133
93%
93%22%

Utah: how many borrowers are behind on payments?

In December 2025, 1.6% of Utah mortgages were 30–89 days late and 0.7% were 90 or more days late, below the U.S. rate of 0.9%. That is the 36th highest of 51 states and D.C. (a year earlier: 0.6%). Chart Utah against any county or metro area →

30–89 days late
1.6%
90+ days late
0.7%
12-month change, 90+
+0.1 pts
Rank, 90+ (1 = highest)
36 of 51
Utah mortgages behind on paymentsPandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082012201620202024U.S. 30–89, December 2025: 2.1%U.S. 30–89 2.1%UT 30–89, December 2025: 1.6%UT 30–89 1.6%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%UT 90+, December 2025: 0.7%UT 90+ 0.7%
Utah metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Utah (non-metro areas)2.6%1.0%+0.5 pts
Ogden, UT1.5%0.8%+0.2 pts
Provo-Orem-Lehi, UT1.3%0.8%+0.3 pts
Logan, UT-ID1.8%0.6%+0.2 pts
Salt Lake City-Murray, UT1.6%0.6%−0.1 pts
St. George, UT1.4%0.6%+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 Utah?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 26% at 50–60% in 2025.

Which lenders in Utah 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: 94% of Utah 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 Utah, 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.