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What 30 Million Applications Reveal about Mortgage Denial Thresholds
Abstract: A debt-to-income ratio of 43% was long considered to be a threshold for mortgage applicants. This analysis finds the true threshold is 50%.
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https://www.stlouisfed.org/on-the-economy/2026/jun/what-30-million-applications-reveal-mortgage-denial-thresholds
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Provider: Federal Reserve Bank of St. Louis
Source: On the Economy
Publication Date: 2026-06-04