FinanceRateCalc
FRC Statistic · FRC-007 · 2025 federal record

What is the worst DTI and LTV combination for an FHA loan?

105%

The deepest observed denial zone in 2025 FHA lending was PennyMac at DTI 36-38 and CLTV 100-105%, where 98.8% of applications were denied (n=249), per FinanceRateCalc analysis of CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

Provisional: this page's figure comes from decision-surface cell (not in this repository), 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 4.0

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

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.