Does CC debt count against DTI for Refinance?

[Nick Shri]

I borrowed significant $$ (0%) from CCs in September and put that cash against my 2nd mortgage ($100K, 30 Yr @ 5.375%), I am on my way to pay off the 2nd mortgage by Mar '21. And then it will take me another 6 mos to completely pay off the CC debt. (I only paid 3% balance transfer fees amounting to $1800, and in return saved $95K of interest on that 2nd mortgage)

I want to refinance my first mortgage, will the lenders count CC debt against by DTI for refinancing in April '21? Will I have to wait till Sept '21 (all CC debt paid to 0) to refinance in order to get better refi deal?