From Investing.com: 2025-06-11 00:52:00

Recent data shows that debt-to-income ratios on new mortgages remain high, despite a decrease in mortgage originations to lower income borrowers. All-cash buyers have reached record highs, and suburban home construction in growing cities has dropped by 50%. Surprisingly, high DTIs are more common among high-income families, and they tend to decrease over the life of a mortgage. Despite efforts to tighten lending standards, high DTI mortgages still make up a significant portion of new loans. The debate continues on the impact of mortgage subsidies and lending practices on the housing market.



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