Certainty Home Loans Mortgage Rates, Fees & Info
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Mortgage Data
Review & 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 by origination volume include: Atlanta, Huntsville, Houston, Savannah, and Dallas among others. We have data for 170 markets. (Some data included below & more in-depth data is available with an active subscription.)Certainty Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Certainty Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.45% | 5/28/23 |
| 30 Year Conventional Refi | 6.57% | 5/28/23 |
| 30 Year Cash-out Refi | 6.89% | 5/28/23 |
| 30 Year FHA Purchase | 7.58% | 5/28/23 |
| 30 Year FHA Refi | 7.36% | 5/28/23 |
| 30 Year VA Purchase | 6.23% | 5/28/23 |
| 30 Year VA Refi | 6.15% | 5/28/23 |
| 30 Year USDA Purchase | 6.72% | 5/28/23 |
| 15 Year Conventional Purchase | 4.07% | 5/28/23 |
| 15 Year Conventional Refi | 6.15% | 5/28/23 |
| 15 Year Cash-out Refi | 6.15% | 5/28/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Certainty Home Loans Mortgage Calculator
Your Estimates
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This is not an official calculator from Certainty Home Loans. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,770Origination Dollar Volume (All Markets)
$1,037,340,000Awards
CERTAINTY HOME LOANS - 2022
CERTAINTY HOME LOANS is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Certainty Home Loans's average 30 year fixed mortgage rate was
4.78%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.02%.
Relative Fees (Closing Costs)
Certainty Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,025.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 429 | $149,125,000 | $347,611 | $7,546 | 4.93% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 243 | $73,335,000 | $301,790 | $8,551 | 4.82% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 239 | $72,355,000 | $302,741 | $8,479 | 4.66% |
| SAVANNAH, GA (FHA|USDA|VA) | 223 | $62,985,000 | $282,444 | $7,181 | 4.97% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 151 | $55,715,000 | $368,974 | $8,743 | 4.67% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 224 | $42,470,000 | $189,598 | $8,601 | 4.10% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 109 | $36,465,000 | $334,541 | $7,808 | 4.19% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 144 | $34,690,000 | $240,903 | $5,655 | 4.96% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 88 | $32,370,000 | $367,841 | $8,999 | 4.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 113 | $28,175,000 | $249,336 | $7,623 | 4.49% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 88 | $25,920,000 | $294,545 | $9,873 | 4.50% |
| Albertville, AL (FHA|USDA|VA) | 97 | $24,055,000 | $247,990 | $7,666 | 4.78% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 77 | $23,735,000 | $308,247 | $6,853 | 4.53% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 80 | $21,100,000 | $263,750 | $7,215 | 4.77% |
| EL PASO, TX (FHA|USDA|VA) | 98 | $20,700,000 | $211,224 | $9,425 | 3.89% |
| ODESSA, TX (FHA|USDA|VA) | 123 | $19,845,000 | $161,341 | $7,994 | 3.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 71 | $19,845,000 | $279,507 | $7,200 | 4.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 45 | $17,815,000 | $395,889 | $9,175 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 52 | $17,080,000 | $328,462 | $13,421 | 5.33% |
| MIDLAND, TX (FHA|USDA|VA) | 79 | $16,165,000 | $204,620 | $9,412 | 4.27% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 73 | $15,985,000 | $218,973 | $7,446 | 4.20% |
| Outside of Metro Areas | 57 | $15,125,000 | $265,351 | $7,265 | 5.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 43 | $12,595,000 | $292,907 | $7,132 | 4.29% |
| Scottsboro, AL (FHA|USDA|VA) | 49 | $11,135,000 | $227,245 | $6,713 | 4.74% |
| COLUMBIA, SC (FHA|USDA|VA) | 44 | $10,890,000 | $247,500 | $8,580 | 4.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 58 | $9,980,000 | $172,069 | $6,597 | 5.03% |
| RICHMOND, VA (FHA|USDA|VA) | 26 | $7,430,000 | $285,769 | $8,913 | 4.86% |
| TYLER, TX (FHA|USDA|VA) | 26 | $6,830,000 | $262,692 | $6,101 | 4.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 23 | $6,115,000 | $265,870 | $9,532 | 4.65% |
| Calhoun, GA (FHA|USDA|VA) | 23 | $5,755,000 | $250,217 | $8,054 | 5.37% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 24 | $5,680,000 | $236,667 | $6,831 | 5.10% |
| ROME, GA (FHA|USDA|VA) | 21 | $5,385,000 | $256,429 | $6,153 | 4.85% |
| Paris, TX (FHA|USDA|VA) | 30 | $4,830,000 | $161,000 | $7,429 | 3.82% |
| DECATUR, AL (FHA|USDA|VA) | 16 | $4,290,000 | $268,125 | $7,188 | 5.11% |
| Fort Payne, AL (FHA|USDA|VA) | 19 | $4,085,000 | $215,000 | $7,415 | 4.89% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 21 | $3,965,000 | $188,810 | $9,647 | 5.76% |
| HINESVILLE, GA (FHA|USDA|VA) | 15 | $3,705,000 | $247,000 | $7,978 | 5.16% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 12 | $3,690,000 | $307,500 | $7,746 | 4.68% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $6,852 | 6.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 13 | $3,465,000 | $266,538 | $9,397 | 4.78% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $3,205,000 | $457,857 | $4,926 | 4.55% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $3,025,000 | $336,111 | $6,236 | 4.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 14 | $2,920,000 | $208,571 | $8,465 | 4.38% |
| Jefferson, GA (FHA|USDA|VA) | 9 | $2,895,000 | $321,667 | $6,003 | 5.30% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,745,000 | $249,545 | $10,392 | 4.24% |
| PANAMA CITY, FL (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $8,181 | 4.91% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $7,542 | 6.35% |
| GAINESVILLE, GA (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $9,636 | 5.18% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 10 | $2,190,000 | $219,000 | $6,554 | 5.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $6,669 | 5.59% |
| Bonham, TX (FHA|USDA|VA) | 14 | $2,000,000 | $142,857 | $7,422 | 3.40% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $14,172 | 4.69% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $6,818 | 5.45% |
| Statesboro, GA (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $6,711 | 5.36% |
| Sanford, NC (FHA|USDA|VA) | 9 | $1,625,000 | $180,556 | $7,990 | 4.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $8,673 | 4.69% |
| GADSDEN, AL (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $6,626 | 4.60% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $7,872 | 3.63% |
| Gainesville, TX (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $15,535 | 5.00% |
| Cornelia, GA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $6,087 | 5.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $7,668 | 5.06% |
| Rockport, TX (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $9,869 | 5.10% |
| Cedartown, GA (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $6,134 | 4.57% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,686 | 5.58% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $6,949 | 4.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $9,499 | 3.50% |
| Shawnee, OK (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $7,016 | 5.70% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $5,629 | 4.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $12,408 | 4.56% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $5,820 | 5.71% |
| SAN ANGELO, TX (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $7,701 | 5.03% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $10,382 | 4.20% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $6,579 | 3.47% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $6,399 | 5.16% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $5,338 | 4.02% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $12,238 | 5.53% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,046 | 4.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $17,867 | 5.83% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,523 | 4.25% |
| TULSA, OK (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,498 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,062 | 5.50% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $13,260 | 6.31% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $11,496 | 3.99% |
| Durant, OK (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $9,382 | 5.29% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $12,236 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $11,135 | 6.19% |
| Pearsall, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,866 | 5.11% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $35,196 | 5.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,651 | 5.29% |
| Brenham, TX (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $10,282 | 5.37% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,985 | 5.33% |
| Shelby, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,642 | 4.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $6,329 | 5.25% |
| Lumberton, NC (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $7,286 | 3.23% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,903 | 5.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $19,285 | 6.13% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,889 | 5.43% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,324 | 5.25% |
| Athens, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,165 | 6.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,823 | 5.25% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $5,743 | 6.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $16,372 | 6.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,397 | 4.80% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 3.94% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $7,624 | 5.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $5,615 | 3.31% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,555 | 4.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $15,083 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,754 | 4.56% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,338 | 4.31% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,139 | 4.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,712 | 4.63% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,966 | 3.13% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,482 | 4.13% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,860 | 5.63% |
| DALTON, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,383 | 5.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,339 | 5.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,507 | 4.56% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,052 | 4.75% |
| Cullman, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,231 | 5.06% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $5,643 | 3.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,252 | 6.25% |
| Weatherford, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,157 | 6.06% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $15,178 | 3.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,275 | 5.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,583 | 4.13% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,079 | 5.81% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,836 | 5.75% |
| Andrews, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,771 | 2.75% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,247 | 5.88% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,705 | 6.88% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,131 | 5.63% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,015 | 5.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,267 | 6.00% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,977 | 4.25% |
| Selma, AL (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $5,292 | 4.44% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $9,279 | 3.19% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $11,297 | 2.69% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,698 | 5.99% |
| Newport, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,009 | 5.63% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,398 | 5.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,861 | 3.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,882 | 5.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,178 | 3.50% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,550 | 3.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,254 | 5.13% |
| Palestine, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,027 | 4.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,075 | 5.38% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,305 | 4.38% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,755 | 3.88% |
| Dublin, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,154 | 4.88% |
| Summerville, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,557 | 5.50% |
| Hays, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,790 | 7.63% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,137 | 4.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $8,039 | 2.63% |
| Elk City, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,473 | 5.63% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,806 | 6.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,535 | 3.99% |
| Duncan, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,941 | 5.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,212 | 5.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,106 | 3.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,722 | 3.50% |
| Minden, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,511 | 5.25% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,971 | 2.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,356 | 7.38% |
| Rockingham, NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $7,522 | 3.06% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $7,122 | 1.94% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,644 | 5.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,678 | 4.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.00% |
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We use machine learning to identify the top lenders compared against CERTAINTY HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Certainty Home Loans's most frequently originated type of loan was Conventional, with 2,198 originations. Their 2nd most popular type was FHA, with 833 originations.
Loan Reason
For 2022, Certainty Home Loans's most frequently cited loan purpose was Home Purchase, with 3,356 originations. The 2nd most popular reason was Cash Out Refi, with 257 originations.
Loan Duration/Length
For 2022, Certainty Home Loans's most frequently cited loan duration was 30 Year, with 3,520 originations. The 2nd most popular length was 15 Year, with 183 originations.
Origination Fees/Closing Costs
Certainty Home Loans's average total fees were $8,025, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 962 originations.
Interest Rates
During 2022, Certainty Home Loans's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 5-6%, with 1,100 originations.
Loan Sizing
2022 saw Certainty Home Loans place emphasis on $200k-400k loans with 1,951 originations, totaling $559,385,000 in origination value.
Applicant Income
Certainty Home Loans lent most frequently to those with incomes in the $50k-75k range, with 996 originations. The second most popular income band? $100k-150k, with 872 originations.
Applicant Debt to Income Ratio
Certainty Home Loans lent most frequently to those with DTI ratios of 30-36%, with 582 originations. The next most common DTI ratio? 20-30%, with 564 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.31%
Certainty Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination65.81%
Certainty Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,770 | $1,037,340,000 | $275,156 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,770 | $1,037,340,000 | $275,156 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CARDINAL FINANCIAL COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 12.5% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Struggling to pay mortgage | 1 | 12.5% |
| CARDINAL FINANCIAL COMPANY | FHA mortgage | Trouble during payment process | 2 | 25.0% |
| CARDINAL FINANCIAL COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 12.5% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Closing on a mortgage | 1 | 12.5% |
| CARDINAL FINANCIAL COMPANY | VA mortgage | Trouble during payment process | 2 | 25.0% |