Jupiter has color-coded the DTI (debt to income ratio), LTV (loan to value) and FICO credit scores to enhance your underwriting process by providing clear visual cues that help you make faster and more accurate financial decisions.
Together, DTI, LTV, and FICO provide a complete view of a borrower’s financial health, covering income, equity, and credit risk.
Note: DTI and LTV use a three-color scale (green, yellow, red). FICO uses a four-color scale (green, yellow, orange, red) to mirror lender pricing tiers.
What are DTI, LTV and FICO?
Front-end DTI (Debt-to-Income)
Represents the borrower’s housing-related costs divided by monthly income.
Back-end DTI (Debt-to-Income)
Represents the borrower’s housing costs plus other debt obligations divided by monthly income.
LTV (Loan-to-Value)
Represents the loan amount compared to the purchase price of the home.
FICO
The borrower’s credit score based on their credit history, used by lenders to assess creditworthiness.
What do the DTI colors represent?
DTI measures a borrower’s ability to manage monthly payments relative to income.
Green (Low Risk)
Front-end DTI <28% and back-end DTI <40%.
The ratio is well within conventional and FHA loan standards.
Yellow (Borderline)
Front-end DTI 28–35% and back-end DTI 40–49.9%.
The ratio is acceptable but may require further assessment of compensating factors.
Red (High Risk)
Front-end DTI ≥36% and back-end DTI ≥50%.
The ratio is considered high risk for conventional loans.
Screenshot: DTI summary showing front-end and back-end ratios with color-coded ranges. Green indicates good range (front-end <28%, back-end <40%), yellow indicates borderline (front-end 28–35%, back-end 40–49.9%), and red indicates warning (front-end ≥36%, back-end ≥50%).
What do the LTV colors represent?
LTV measures how much of a property’s value is financed by the loan.
Green (Low Risk): ≤ 80%
Optimal range. Typically qualifies for conventional loan terms with no private mortgage insurance (PMI). Borrowers are considered lower risk due to higher equity.
Yellow (Borderline): 80.01% – 90%
Generally acceptable but may require PMI and tighter underwriting. Common in FHA and VA loans, which may have their own insurance requirements.
Red (High Risk): > 90%
Higher risk. Typically requires PMI, higher interest rates, and additional underwriting scrutiny. Some programs (e.g., FHA) allow higher LTVs but include mortgage insurance and stricter requirements.
What do the FICO colors represent?
FICO scores are used to evaluate borrower credit risk and loan eligibility.
Green (Excellent & Very Good)
Excellent: 800+ - Very likely to qualify for the best rates and gain approval easily.
Very Good: 740–799 - Likely to qualify for the best rates and gain approval easily.
Yellow (Good): 670–739
Likely to qualify for most loans but may have higher rates than higher scores.
Orange (Fair): 580–669
May qualify for FHA/VA/USDA loans but with greater restrictions and higher costs.
Red (Poor): ≤ 579
Difficult to qualify and may require credit improvement.
Screenshot: FICO score ranges showing color-coded categories—Excellent (800+), Very Good (740–799), Good (670–739), Fair (580–669), and Poor (≤579)—used to assess borrower creditworthiness.
Where are these indicators used in Jupiter?
These color-coded indicators appear throughout Jupiter to help you quickly assess borrower risk when reviewing loan applications and underwriting details.
Additional resources
If you need further assistance, click the chat button in Jupiter or email support@jupiterlos.com.