Certainty Home Loans Mortgage Rates, Fees & Info
DOVER, DELEI: 549300QVQQMJ9IWR0G78
Tax ID: 75-2857425
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Mortgage Data
Overview
Certainty Home Loans is a small mortgage company specializing in Home Purchase loans. Certainty Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Atlanta, Charlotte, Houston, Dallas, and Huntsville among others. Certainty Home Loans has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Certainty Home Loans is typically an average fee lendor.Originations
7,037Origination Dollar Volume (All Markets)
$1,720,005,000Awards
CERTAINTY HOME LOANS - 2021
CERTAINTY HOME LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Certainty Home Loans 's average 30 year fixed rate mortgage of loans were
3.1%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.05%.
Relative Fees
Certainty Home Loans 's average total fees for a 30 year fixed rate
mortgage are $5,755.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 815 | $242,635,000 | $297,712 | $5,105 | 3.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 595 | $162,845,000 | $273,689 | $4,576 | 3.01% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 429 | $112,715,000 | $262,739 | $6,300 | 3.08% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 313 | $88,655,000 | $283,243 | $5,788 | 3.02% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 360 | $86,680,000 | $240,778 | $6,445 | 2.98% |
| SAVANNAH, GA (FHA|USDA|VA) | 330 | $81,710,000 | $247,606 | $5,382 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 251 | $81,555,000 | $324,920 | $7,154 | 2.80% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 376 | $62,240,000 | $165,532 | $5,666 | 2.62% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 286 | $62,050,000 | $216,958 | $4,340 | 3.06% |
| EL PASO, TX (FHA|USDA|VA) | 322 | $61,370,000 | $190,590 | $7,613 | 2.98% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 278 | $45,560,000 | $163,885 | $5,376 | 3.18% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 215 | $45,255,000 | $210,488 | $5,144 | 2.96% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 124 | $39,620,000 | $319,516 | $5,642 | 3.04% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 174 | $38,750,000 | $222,701 | $5,135 | 2.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 109 | $33,895,000 | $310,963 | $5,490 | 2.95% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 122 | $33,560,000 | $275,082 | $6,492 | 3.09% |
| MONTGOMERY, AL (FHA|USDA|VA) | 144 | $28,000,000 | $194,444 | $5,923 | 2.83% |
| Albertville, AL (FHA|USDA|VA) | 131 | $27,955,000 | $213,397 | $5,899 | 2.94% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 93 | $25,825,000 | $277,688 | $5,200 | 2.91% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 115 | $23,175,000 | $201,522 | $5,691 | 3.15% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 70 | $20,880,000 | $298,286 | $6,053 | 2.87% |
| Outside of Metro Areas | 88 | $16,740,000 | $190,227 | $5,145 | 2.93% |
| Scottsboro, AL (FHA|USDA|VA) | 75 | $16,105,000 | $214,733 | $6,061 | 2.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 56 | $15,800,000 | $282,143 | $4,189 | 2.93% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 50 | $14,720,000 | $294,400 | $4,073 | 2.93% |
| COLUMBIA, SC (FHA|USDA|VA) | 75 | $13,415,000 | $178,867 | $5,034 | 2.87% |
| HINESVILLE, GA (FHA|USDA|VA) | 54 | $10,850,000 | $200,926 | $5,547 | 2.87% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 40 | $10,760,000 | $269,000 | $4,432 | 2.95% |
| TYLER, TX (FHA|USDA|VA) | 47 | $10,685,000 | $227,340 | $4,411 | 3.17% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 48 | $9,650,000 | $201,042 | $5,150 | 3.01% |
| MIDLAND, TX (FHA|USDA|VA) | 37 | $8,735,000 | $236,081 | $7,395 | 2.91% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 28 | $7,410,000 | $264,643 | $4,730 | 3.22% |
| Calhoun, GA (FHA|USDA|VA) | 34 | $6,990,000 | $205,588 | $5,180 | 3.15% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 29 | $6,785,000 | $233,966 | $6,254 | 2.97% |
| Paris, TX (FHA|USDA|VA) | 38 | $6,200,000 | $163,158 | $5,786 | 3.02% |
| Fort Payne, AL (FHA|USDA|VA) | 38 | $6,130,000 | $161,316 | $5,982 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $5,740,000 | $318,889 | $5,202 | 2.92% |
| ROME, GA (FHA|USDA|VA) | 24 | $5,410,000 | $225,417 | $5,190 | 3.02% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $4,960,000 | $248,000 | $6,412 | 3.14% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 15 | $4,855,000 | $323,667 | $5,462 | 2.99% |
| ODESSA, TX (FHA|USDA|VA) | 28 | $4,800,000 | $171,429 | $7,387 | 2.68% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 19 | $4,615,000 | $242,895 | $4,932 | 2.53% |
| LAS CRUCES, NM (FHA|USDA|VA) | 19 | $4,595,000 | $241,842 | $7,194 | 3.12% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 18 | $4,590,000 | $255,000 | $7,040 | 2.69% |
| Granbury, TX (FHA|USDA|VA) | 17 | $4,215,000 | $247,941 | $6,025 | 2.82% |
| RICHMOND, VA (FHA|USDA|VA) | 15 | $3,685,000 | $245,667 | $3,208 | 2.83% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 15 | $3,685,000 | $245,667 | $6,065 | 2.96% |
| PANAMA CITY, FL (FHA|USDA|VA) | 17 | $3,335,000 | $196,176 | $6,125 | 2.95% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 13 | $3,315,000 | $255,000 | $5,768 | 2.82% |
| GAINESVILLE, GA (FHA|USDA|VA) | 12 | $3,300,000 | $275,000 | $3,911 | 2.79% |
| Sanford, NC (FHA|USDA|VA) | 19 | $3,075,000 | $161,842 | $6,467 | 2.67% |
| DECATUR, AL (FHA|USDA|VA) | 16 | $2,910,000 | $181,875 | $5,850 | 3.09% |
| Jefferson, GA (FHA|USDA|VA) | 9 | $2,905,000 | $322,778 | $5,211 | 2.97% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,775,000 | $396,429 | $8,792 | 2.69% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $2,400,000 | $600,000 | $3,943 | 3.34% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $3,913 | 3.12% |
| DALTON, GA (FHA|USDA|VA) | 13 | $2,265,000 | $174,231 | $5,206 | 3.32% |
| Cedartown, GA (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $3,915 | 2.97% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $4,237 | 2.94% |
| GADSDEN, AL (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $8,065 | 2.98% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $4,572 | 2.93% |
| BURLINGTON, NC (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $4,161 | 2.94% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $6,332 | 3.15% |
| Albemarle, NC (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $5,675 | 2.89% |
| SAN ANGELO, TX (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $5,655 | 3.34% |
| LONGVIEW, TX (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $5,850 | 3.19% |
| Cullman, AL (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $6,813 | 2.73% |
| Statesboro, GA (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $4,369 | 3.14% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $4,329 | 3.14% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $4,840 | 2.88% |
| Bonham, TX (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $4,757 | 3.10% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $8,669 | 2.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $6,808 | 2.96% |
| Ruidoso, NM (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $3,541 | 3.17% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,157 | 3.34% |
| Bay City, TX (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $8,098 | 3.25% |
| NEW BERN, NC (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $5,142 | 2.91% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,650 | 2.97% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $2,634 | 2.67% |
| Athens, TX (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $5,392 | 3.38% |
| Shelby, NC (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $7,067 | 3.31% |
| Del Rio, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $10,594 | 3.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $9,195 | 2.96% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,971 | 2.93% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,390 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $10,049 | 3.46% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $4,915 | 3.10% |
| Rockport, TX (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $3,870 | 3.20% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,779 | 2.56% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $8,656 | 3.31% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,011 | 2.50% |
| Shawnee, OK (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $6,659 | 3.16% |
| Key West, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,309 | 2.93% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,059 | 3.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,432 | 3.19% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,872 | 2.99% |
| Lumberton, NC (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $3,263 | 2.60% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,330 | 3.00% |
| Brevard, NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,731 | 2.69% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,226 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,126 | 2.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,678 | 3.25% |
| Palestine, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,817 | 2.88% |
| Durant, OK (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,568 | 3.21% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,681 | 3.25% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,123 | 3.25% |
| Pearsall, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,211 | 3.67% |
| Montrose, CO (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,930 | 2.93% |
| Gainesville, TX (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $5,387 | 2.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,580 | 3.12% |
| Summerville, GA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $5,738 | 3.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,249 | 3.46% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,474 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,719 | 3.12% |
| Alice, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,697 | 3.38% |
| Atmore, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,940 | 3.13% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,171 | 2.04% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,815 | 2.81% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,790 | 2.96% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,822 | 3.25% |
| Marion, NC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $5,970 | 2.25% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,526 | 3.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,662 | 3.50% |
| Boone, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,758 | 2.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,415 | 4.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,407 | 2.56% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,068 | 2.50% |
| Kingsville, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,248 | 3.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $3,788 | 2.34% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,988 | 2.81% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $5,278 | 2.71% |
| ENID, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,456 | 2.99% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,516 | 2.99% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,800 | 2.88% |
| El Campo, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,644 | 3.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,221 | 2.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,094 | 2.63% |
| Adrian, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,160 | 3.25% |
| Troy, AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,751 | 3.44% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,874 | 2.81% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,680 | 2.13% |
| Waycross, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,839 | 3.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,866 | 2.99% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,175 | 3.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,466 | 2.75% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,305 | 2.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,626 | 2.99% |
| Duncan, OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,250 | 3.31% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,956 | 3.13% |
| Jasper, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,205 | 2.88% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,121 | 2.88% |
| Jesup, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,129 | 2.75% |
| Forest City, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,687 | 2.94% |
| Tifton, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,037 | 3.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,933 | 3.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,440 | 3.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,029 | 3.88% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,317 | 3.13% |
| Dublin, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,285 | 3.25% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,649 | 3.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,678 | 3.25% |
| Palatka, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,372 | 3.38% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,206 | 2.75% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,302 | 3.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,539 | 3.13% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,072 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,548 | 2.75% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,702 | 2.88% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,307 | 3.50% |
| Lamesa, TX (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $8,916 | 1.81% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,391 | 3.13% |
| Ozark, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,361 | 3.25% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,157 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,404 | 2.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,010 | 2.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,428 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,260 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,982 | 2.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,805 | 2.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,353 | 3.38% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,934 | 3.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,936 | 2.38% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,757 | 2.75% |
Certainty Home Loans 's top markets include Atlanta, Charlotte, Houston, Dallas, and Huntsville among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 4,346 | $1,054,510,000 | $242,639 | $4,392 | 2.96% |
| VA | 1,266 | $370,230,000 | $292,441 | $6,832 | 2.81% |
| FHA | 1,194 | $252,690,000 | $211,633 | $8,029 | 3.21% |
| USDA | 231 | $42,575,000 | $184,307 | $6,007 | 3.05% |
For the 2021 period, Certainty Home Loans 's most frequently originated loan type of loans were Conventional, with 4,346 originations. Their 2nd most popular type is VA, with 1,266 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 5,267 | $1,299,895,000 | $246,800 | $6,080 | 2.98% |
| Refi | 1,104 | $262,810,000 | $238,053 | $3,836 | 2.84% |
| Cash Out Refi | 666 | $157,300,000 | $236,186 | $4,667 | 3.14% |
For the 2021, Certainty Home Loans 's most frequently cited loan purpose of loans were Home Purchase, with 5,267 originations. The 2nd most popular reason of loans were Refi, with 1,104 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 6,237 | $1,590,365,000 | $254,989 | $5,755 | 3.10% |
| 15 Year | 625 | $108,055,000 | $172,888 | $3,756 | 2.08% |
| 20 Year | 49 | $9,885,000 | $201,735 | $3,840 | 2.87% |
| 10 Year | 48 | $1,790,000 | $37,292 | $2,915 | 2.31% |
| 3 Year | 43 | $335,000 | $7,791 | $0 | 0.00% |
| Other | 34 | $9,560,000 | $281,176 | $4,756 | 2.50% |
| 5 Year | 1 | $15,000 | $15,000 | $0 | 0.00% |
For the 2021, Certainty Home Loans 's most frequently cited loan length of loans were 30 Year, with 6,237 originations. The 2nd most popular length of loans were 15 Year, with 625 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2,588 | $626,090,000 | $241,920 |
| $<1k | 2,186 | $543,920,000 | $248,820 |
| $2k-3k | 1,013 | $202,745,000 | $200,143 |
| $3k-4k | 758 | $212,300,000 | $280,079 |
| $5k+ | 212 | $88,010,000 | $415,142 |
$5,755 of loans were Certainty Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,588 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 3,016 | $727,420,000 | $241,187 |
| 2.5-3% | 2,852 | $751,830,000 | $263,615 |
| <2.5% | 982 | $206,450,000 | $210,234 |
| 4-5% | 187 | $34,305,000 | $183,449 |
During 2021, Certainty Home Loans 's average interest rate of loans were 3.10%, while their most frequently originated rate bucket of loans were 3-4%, with 3,016 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 3,473 | $963,875,000 | $277,534 | $5,944 | 3.02% |
| $100k-200k | 2,327 | $363,405,000 | $156,169 | $4,734 | 3.14% |
| $400k-600k | 675 | $319,555,000 | $473,415 | $6,673 | 2.99% |
| $100,000 or less | 502 | $23,400,000 | $46,614 | $3,660 | 1.90% |
| $600k-1MM | 48 | $34,490,000 | $718,542 | $11,088 | 2.85% |
| $1MM+ | 12 | $15,280,000 | $1,273,333 | $9,704 | 3.06% |
2021 saw Certainty Home Loans place emphasis on $200k-400k loans with 3,473 originations, totaling $963,875,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 1,935 | $406,685,000 | $210,173 | $5,686 | 2.95% |
| $50k or less | 1,398 | $213,910,000 | $153,011 | $5,451 | 2.90% |
| $100k-150k | 1,308 | $388,990,000 | $297,393 | $5,636 | 3.03% |
| $75k-100k | 1,298 | $324,650,000 | $250,116 | $5,754 | 2.99% |
| $150k-250k | 742 | $258,950,000 | $348,989 | $5,539 | 3.08% |
| $250k+ | 247 | $100,875,000 | $408,401 | $5,708 | 3.13% |
Certainty Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,935 originations. The second most popular income band? $50k or less, with 1,398 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,427 | $339,745,000 | $238,083 | $4,898 | 2.92% |
| 30-36% | 1,238 | $301,630,000 | $243,643 | $5,373 | 3.01% |
| <20% | 549 | $119,075,000 | $216,894 | $4,274 | 2.59% |
| 50-60% | 502 | $129,070,000 | $257,112 | $8,036 | 2.98% |
| 44% | 269 | $67,615,000 | $251,357 | $5,658 | 3.14% |
| 43% | 268 | $66,710,000 | $248,918 | $5,843 | 3.08% |
| 39% | 266 | $67,900,000 | $255,263 | $5,510 | 3.05% |
| 42% | 260 | $63,060,000 | $242,538 | $6,313 | 3.08% |
| 40% | 259 | $63,065,000 | $243,494 | $5,934 | 3.09% |
| 38% | 249 | $63,435,000 | $254,759 | $5,666 | 3.07% |
| 41% | 248 | $62,670,000 | $252,702 | $5,795 | 3.12% |
| 37% | 245 | $56,435,000 | $230,347 | $5,274 | 3.07% |
| 36% | 242 | $58,320,000 | $240,992 | $5,549 | 3.10% |
| 46% | 186 | $48,690,000 | $261,774 | $6,002 | 3.14% |
| 45% | 184 | $47,280,000 | $256,957 | $5,987 | 3.02% |
| 49% | 178 | $45,570,000 | $256,011 | $6,005 | 3.08% |
| 48% | 166 | $42,470,000 | $255,843 | $6,335 | 3.05% |
| 47% | 153 | $40,115,000 | $262,190 | $6,150 | 2.99% |
| >60% | 34 | $11,100,000 | $326,471 | $8,521 | 2.82% |
Certainty Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,427 originations. The next most common DTI ratio? 30-36%, with 1,238 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 4,810 | $1,189,110,000 | $247,216 | $5,403 | 2.99% |
| Not provided | 1,162 | $279,800,000 | $240,792 | $6,049 | 2.96% |
| Black | 824 | $187,480,000 | $227,524 | $5,916 | 2.88% |
| Asian | 142 | $37,960,000 | $267,324 | $6,147 | 3.00% |
| American Indian | 40 | $9,470,000 | $236,750 | $5,507 | 3.21% |
| Asian Indian | 16 | $5,150,000 | $321,875 | $4,726 | 3.08% |
| Native Hawaiian | 14 | $2,990,000 | $213,571 | $7,767 | 2.86% |
| Other Asian | 6 | $1,960,000 | $326,667 | $5,727 | 3.25% |
| Chinese | 6 | $1,640,000 | $273,333 | $4,550 | 2.65% |
| Filipino | 5 | $1,555,000 | $311,000 | $5,503 | 2.80% |
| Vietnamese | 5 | $1,475,000 | $295,000 | $5,784 | 3.20% |
| Other Pacific Islander | 3 | $615,000 | $205,000 | $6,938 | 3.29% |
| Japanese | 2 | $390,000 | $195,000 | $5,742 | 3.13% |
| Native Hawiian | 1 | $225,000 | $225,000 | $5,129 | 2.75% |
| Samoan | 1 | $185,000 | $185,000 | $6,053 | 3.25% |
Approval Rates
Total approvals of all applications91.18%
Certainty Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination75.91%
Certainty Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,037 | $1,720,005,000 | $244,423 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,037 | $1,720,005,000 | $244,423 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 119 | $18,475,000 | $155,252 | $3,232 | 2.82% |
| 40-60% | 502 | $102,120,000 | $203,426 | $3,659 | 2.88% |
| 60-80% | 1,782 | $456,170,000 | $255,988 | $4,422 | 3.12% |
| 80-100% | 4,076 | $1,044,860,000 | $256,344 | $5,879 | 3.09% |
| Over 100% | 317 | $96,055,000 | $303,013 | $11,356 | 2.84% |
| Under 20% | 241 | $2,325,000 | $9,647 | $3,491 | 0.45% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 28 | 24.6% |
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Closing on a mortgage | 14 | 12.3% |
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Improper use of your report | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Trouble during payment process | 31 | 27.2% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 4.4% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Closing on a mortgage | 4 | 3.5% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Struggling to pay mortgage | 3 | 2.6% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Trouble during payment process | 6 | 5.3% |
| CARDINAL FINANCIAL COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 2.6% |
| CARDINAL FINANCIAL COMPANY | Other type of mortgage | Struggling to pay mortgage | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | Other type of mortgage | Trouble during payment process | 2 | 1.8% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Closing on a mortgage | 1 | 0.9% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Struggling to pay mortgage | 4 | 3.5% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Trouble during payment process | 8 | 7.0% |
