No - Federal Reserve Bank of St. Louis research (Garcia & Garriga, 2026, 30 million HMDA applications) shows denial rates stay flat from 20% to 50% DTI and only spike at the 50% mark, making 50% the real market-wide wall; however, FinanceRateCalc's lender-level FHA decision surfaces show individual lenders' walls arrive earlier and at different points - one major lender's denial rate jumps 23.5 percentage points between DTI 44 and 45 - so the wall that matters is your lender's, not the market's.
Provisional: this page's figure comes from external research plus decision surfaces, which is not regenerated from a data file in the public repository; it has not been re-verified since 2026-07-21. Cite with that caveat. This page is regenerated from data or removed by 2026-10-22. Audit: eval/stat-audit.json.
Cite freely · CC BY 4.0Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics