What the Debt-to-Income Ratio Sees When a High Earner Applies for a Mortgage By relifenomad No Comments on What the Debt-to-Income Ratio Sees When a High Earner Applies for a Mortgage 8 Min Read Debt-to-income ratio decides most mortgage approvals, and high earners fail it in ways a big salary hides. Here is how lenders count your debt, step by step.