Ground Figures
Lender data → Approvals → Virginia

Which lenders close above 50% DTI in Virginia?

In Virginia in 2025, lenders decided 772 conventional purchase applications at 50–60% DTI and approved 37% of them, above the national 35% and 19th of 43 states ranked. FHA approved 86%, VA 95%.

Virginia · conventional · 50–60% DTI
37%

approved of 772 decisions.

Decisions, all bands
89,726
Conv. 50–60%
37%
FHA 50–60%
86%
VA 50–60%
95%
Decisions in view
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Approved, all lenders
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Lenders shown
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Virginia: share approved by DTI band and program, 2025 VIRGINIA: 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 37,109 Conventional, 44–45%: 96% approved of 4,312 Conventional, 46–49%: 96% approved of 10,225 Conventional, 50–60%: 37% approved of 772 Conventional, >60%: 7% approved of 801 FHA, ≤43%: 93% approved of 6,145 FHA, 44–45%: 92% approved of 1,382 FHA, 46–49%: 91% approved of 3,533 FHA, 50–60%: 86% approved of 4,032 FHA, >60%: 0% approved of 499 VA, ≤43%: 96% approved of 10,244 VA, 44–45%: 96% approved of 1,535 VA, 46–49%: 95% approved of 3,172 VA, 50–60%: 95% approved of 4,930 VA, >60%: 71% approved of 1,035 37% 86% 95% VA 71% Conventional 7% FHA 0% Bands with fewer than 30 decisions omitted. Virginia: conventional, DTI 50–60%, by lender type VIRGINIA: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 70% approved of 172 70% · 172 Bank Bank: 24% approved of 123 24% · 123 Independent mortgage co. Independent mortgage co.: 19% approved of 216 19% · 216 Builder-owned Builder-owned: 4% approved of 56 4% · 56

Virginia: conventional lenders at 50–60% DTI

Virginia: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Navy Federal Credit Union122
75%
95%57%

Virginia: FHA lenders

Virginia: FHA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Movement Mortgage, LLC216
90%
98%43%
United Wholesale Mortgage358
90%
93%50%
Rocket Mortgage217
85%
87%45%
NVR Mortgage Finance, Inc. builder200
32%
80%68%

Virginia: VA lenders

Virginia: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
CMG Mortgage Inc129
100%
98%0%
CrossCountry Mortgage, LLC150
99%
99%100%
Southern Trust Mortgage, LLC95
99%
98%100%
Guaranteed Rate, Inc.81
99%
98%0%
American Neighborhood Mortgage Acceptance Company235
99%
99%100%
Atlantic Coast Mortgage, LLC137
99%
100%0%
Atlantic Bay Mortgage Group185
98%
100%33%
Movement Mortgage, LLC212
98%
99%75%
United Wholesale Mortgage210
96%
98%12%
Navy Federal Credit Union234
95%
96%55%
Mortgage Research Center933
94%
95%24%
Freedom Mortgage Corporation107
93%
96%14%
Rocket Mortgage106
93%
95%14%
NVR Mortgage Finance, Inc. builder94
69%
90%52%

Virginia: how many borrowers are behind on payments?

In December 2025, 1.8% of Virginia mortgages were 30–89 days late and 0.8% were 90 or more days late, below the U.S. rate of 0.9%. That is the 30th highest of 51 states and D.C. (a year earlier: 0.6%). Chart Virginia against any county or metro area →

30–89 days late
1.8%
90+ days late
0.8%
12-month change, 90+
+0.2 pts
Rank, 90+ (1 = highest)
30 of 51
Virginia 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%VA 30–89, December 2025: 1.8%VA 30–89 1.8%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%VA 90+, December 2025: 0.8%VA 90+ 0.8%
Virginia 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
Virginia (non-metro areas)3.0%1.2%+0.1 pts
Virginia Beach-Chesapeake-Norfolk, VA-NC2.3%1.1%+0.2 pts
Blacksburg-Christiansburg-Radford, VA2.0%1.0%+0.6 pts
Richmond, VA1.8%1.0%+0.3 pts
Winchester, VA-WV2.5%1.0%±0.0 pts
Staunton-Stuarts Draft, VA2.0%0.9%±0.0 pts
Lynchburg, VA2.5%0.8%+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 Virginia?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 37% at 50–60% in 2025.

Which lenders in Virginia 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: 86% of Virginia 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 Virginia, 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.