Ground Figures
Lender data → Approvals → Wisconsin

Which lenders close above 50% DTI in Wisconsin?

In Wisconsin in 2025, lenders decided 592 conventional purchase applications at 50–60% DTI and approved 54% of them, above the national 35% and 2nd of 43 states ranked. FHA approved 89%, VA 93%.

Wisconsin · conventional · 50–60% DTI
54%

approved of 592 decisions.

Decisions, all bands
49,741
Conv. 50–60%
54%
FHA 50–60%
89%
VA 50–60%
93%
Decisions in view
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Wisconsin: share approved by DTI band and program, 2025 WISCONSIN: 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 30,651 Conventional, 44–45%: 96% approved of 3,185 Conventional, 46–49%: 96% approved of 6,322 Conventional, 50–60%: 54% approved of 592 Conventional, >60%: 32% approved of 638 FHA, ≤43%: 90% approved of 1,989 FHA, 44–45%: 90% approved of 401 FHA, 46–49%: 89% approved of 813 FHA, 50–60%: 89% approved of 1,399 FHA, >60%: 1% approved of 122 VA, ≤43%: 95% approved of 1,795 VA, 44–45%: 94% approved of 265 VA, 46–49%: 95% approved of 583 VA, 50–60%: 93% approved of 835 VA, >60%: 58% approved of 151 54% 89% 93% VA 58% Conventional 32% FHA 1% Bands with fewer than 30 decisions omitted. Wisconsin: conventional, DTI 50–60%, by lender type WISCONSIN: CONVENTIONAL, DTI 50–60%, BY LENDER TYPE Credit union Credit union: 67% approved of 231 67% · 231 Bank Bank: 50% approved of 153 50% · 153 Independent mortgage co. Independent mortgage co.: 37% approved of 71 37% · 71

Wisconsin: conventional lenders at 50–60% DTI

Wisconsin: conventional, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Summit Credit Union90
87%
98%75%

Wisconsin: FHA lenders

Wisconsin: FHA, DTI 50–60%, 2025. (small-state threshold)
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Guild Mortgage Company102
95%
95%60%
Fairway Independent Mort Corp83
92%
95%57%
United Wholesale Mortgage89
90%
92%33%
Rocket Mortgage99
80%
84%55%

Wisconsin: VA lenders

Wisconsin: VA, DTI 50–60%, 2025.
LenderDecisionsApproved · deniedAt ≤43%Denials citing DTI
Mortgage Research Center309
92%
94%32%

Wisconsin: how many borrowers are behind on payments?

In December 2025, 1.3% of Wisconsin mortgages were 30–89 days late and 0.5% were 90 or more days late, below the U.S. rate of 0.9%. That is the 50th highest of 51 states and D.C. (a year earlier: 0.5%). Chart Wisconsin against any county or metro area →

30–89 days late
1.3%
90+ days late
0.5%
12-month change, 90+
±0.0 pts
Rank, 90+ (1 = highest)
50 of 51
Wisconsin 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%WI 30–89, December 2025: 1.3%WI 30–89 1.3%U.S. 90+, December 2025: 0.9%U.S. 90+ 0.9%WI 90+, December 2025: 0.5%WI 90+ 0.5%
Wisconsin metro and non-metro areas, highest 90+ rate first, December 2025.
Area30–89 days90+ days12-mo change
Janesville-Beloit, WI2.1%0.8%+0.4 pts
La Crosse-Onalaska, WI-MN1.4%0.7%−0.1 pts
Racine-Mount Pleasant, WI2.5%0.7%−0.2 pts
Appleton, WI1.3%0.6%+0.4 pts
Duluth, MN-WI2.0%0.6%−0.4 pts
Eau Claire, WI1.0%0.5%+0.3 pts
Milwaukee-Waukesha, WI1.2%0.5%−0.1 pts
Minneapolis-St. Paul-Bloomington, MN-WI1.4%0.5%±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 Wisconsin?

The agency ceiling is 50% through automated underwriting, and lenders enforce it: 96% approval at 46–49% versus 54% at 50–60% in 2025.

Which lenders in Wisconsin 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 Wisconsin 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 Wisconsin, 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.