Certainty Home Loans Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300QVQQMJ9IWR0G78

Tax ID: 75-2857425

4.2 stars - out of 5 stars, based on 84 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Certainty Home Loans is a small mortgage company specializing in 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, Charlotte, Houston, Dallas, and Huntsville among others. We have data for 184 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.98% 12/4/22
    30 Year Conventional Refi 6.85% 12/4/22
    30 Year Cash-out Refi 7.13% 12/4/22
    30 Year FHA Purchase 7.91% 12/4/22
    30 Year FHA Refi 7.50% 12/4/22
    30 Year VA Purchase 6.61% 12/4/22
    30 Year VA Refi 6.25% 12/4/22
    30 Year USDA Purchase 7.24% 12/4/22
    30 Year USDA Refi 7.29% 12/4/22
    15 Year Conventional Purchase 4.77% 12/4/22
    15 Year Conventional Refi 6.09% 12/4/22
    15 Year Cash-out Refi 6.09% 12/4/22
    15 Year FHA Purchase 7.46% 12/4/22
    15 Year FHA Refi 6.55% 12/4/22
    15 Year VA Purchase 6.27% 12/4/22
    15 Year VA Refi 6.11% 12/4/22
    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.


    Originations

    7,037

    Origination Dollar Volume (All Markets)

    $1,720,005,000
    Show all (14) awards

    Relative Rate

    Certainty Home Loans's average 30 year fixed mortgage rate was 3.1%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.05%.

    Relative Fees (Closing Costs)

    Certainty Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $5,755.

    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) 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.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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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.

    Farmers Bank & Trust Company
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Certainty Home Loans's most frequently originated type of loan was Conventional, with 4,346 originations. Their 2nd most popular type was VA, with 1,266 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Certainty Home Loans's most frequently cited loan purpose was Home Purchase, with 5,267 originations. The 2nd most popular reason was 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 2021, Certainty Home Loans's most frequently cited loan duration was 30 Year, with 6,237 originations. The 2nd most popular length was 15 Year, with 625 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 543 $142,865,000 $263,103
    $4k-5k 215 $69,435,000 $322,953
    $5k+ 212 $88,010,000 $415,142

    Certainty Home Loans's average total fees were $5,755, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.10%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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 applications
    91.43%

    Certainty Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.69%

    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%