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.
Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics