What is Debt Burden Ratio (DBR)

In the fast-paced world of mortgage lending, financial metrics like the Debt Burden Ratio (DBR) provide critical insights into a company’s fiscal health. Unlike metrics tied to real estate, such as borrower debt-to-income ratios, the DBR focuses on a mortgage company’s ability to manage its debt relative to its operational income. For Capital Zone Mortgage, a strong DBR is central to maintaining stability, attracting investors, and securing a top rank in the industry. This article explores what DBR is, why it’s essential, and how mortgage companies can optimize it to excel.