Fannie Mae’s announcement in May that it will raise the debt-to-income cap from 45 to 50 percent is a win for expanding access to credit, especially for minority families, says a recent report by the Urban Institute.UI anticipates that as many as 95,000 new mortgages could be approved annually. With African-American and Latino families more likely to have DTI ratios above 45 percent, the authors of the paper note that a large share of the new loans will likely be to those families. Prior to the change, Fannie allowed for flexibility up to 50 percent DTI in certain cases.