There are no conforming interest rates based on DTI. One either qualifies at the best priced lender--or not.

Yes, you're aware you are confirming what I suggested to the OP. I'm not aware of any price bumps based on DTI. I used the word "confusing" as to the OP's statement that rates advertised to him suggested rate was based on DTI ratio. My response was at my bank you're either under 45% DTI, or you're declined and I did not know personally of any lenders that had a price hit based on DTI thresholds. However, in no way did I want to speak to the whole spectrum of lenders, and would not say with a definitive "there are no conforming interest rates based on DTI"