"Income insufficient for amount of credit requested"

By Ziya Y. · 23 Years Banking · FRC Denial Code Intelligence

What This Code Means

DTI too high — your income doesn't support the requested loan payment.

Your Action Plan

Compare your DTI against FHA's 57% and conventional's 50% limit. Many lenders cap at 43-45% (overlay). If you're between 45-57%, an FHA lender following agency minimums may approve you.