Certainty Home Loans Mortgage Rates, Fees & Info
DOVER, DELEI: 549300QVQQMJ9IWR0G78
Tax ID: 75-2857425
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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, Savannah, Dallas, Houston, and Charlotte among others. We have data for 119 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 | 6.45% | 12/16/24 |
| 30 Year Conventional Refi | 6.57% | 12/16/24 |
| 30 Year Cash-out Refi | 6.89% | 12/16/24 |
| 30 Year FHA Purchase | 7.58% | 12/16/24 |
| 30 Year FHA Refi | 7.36% | 12/16/24 |
| 30 Year VA Purchase | 6.23% | 12/16/24 |
| 30 Year VA Refi | 6.15% | 12/16/24 |
| 30 Year USDA Purchase | 6.72% | 12/16/24 |
| 15 Year Conventional Purchase | 4.07% | 12/16/24 |
| 15 Year Conventional Refi | 6.15% | 12/16/24 |
| 15 Year Cash-out Refi | 6.15% | 12/16/24 |
| 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
Estimated Loan Payment: Update the calculator values and click calculate payment!
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
4,847Origination Dollar Volume (All Markets)
$1,017,035,000Awards
CERTAINTY HOME LOANS - 2018
CERTAINTY HOME LOANS is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
Work for CERTAINTY HOME LOANS?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 778 | $176,610,000 | $227,005 | $5,104 | 4.85% |
| SAVANNAH, GA (FHA|USDA|VA) | 568 | $128,080,000 | $225,493 | $6,353 | 4.57% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 376 | $91,990,000 | $244,654 | $5,951 | 4.86% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 395 | $89,085,000 | $225,532 | $6,700 | 4.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 330 | $66,520,000 | $201,576 | $5,215 | 4.83% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 152 | $37,810,000 | $248,750 | $5,428 | 4.56% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 183 | $34,835,000 | $190,355 | $4,424 | 4.80% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 129 | $33,215,000 | $257,481 | $5,654 | 4.55% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 189 | $32,545,000 | $172,196 | $4,013 | 4.90% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 166 | $31,160,000 | $187,711 | $5,641 | 4.58% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 90 | $30,040,000 | $333,778 | $6,010 | 4.78% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 163 | $23,195,000 | $142,301 | $5,215 | 4.81% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 45 | $20,985,000 | $466,333 | $7,348 | 4.51% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 116 | $18,920,000 | $163,103 | $4,495 | 4.80% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 61 | $16,555,000 | $271,393 | $7,779 | 4.57% |
| MONTGOMERY, AL (FHA|USDA|VA) | 122 | $15,440,000 | $126,557 | $5,465 | 4.59% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 80 | $12,690,000 | $158,625 | $5,186 | 4.90% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 45 | $12,475,000 | $277,222 | $4,368 | 4.84% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 67 | $12,185,000 | $181,866 | $5,670 | 5.09% |
| COLUMBIA, SC (FHA|USDA|VA) | 64 | $11,680,000 | $182,500 | $5,499 | 4.92% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 79 | $10,535,000 | $133,354 | $5,222 | 4.62% |
| Outside of Metro Areas | 67 | $9,905,000 | $147,836 | $5,793 | 4.79% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 38 | $8,240,000 | $216,842 | $4,718 | 4.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 35 | $7,875,000 | $225,000 | $6,852 | 5.00% |
| PUEBLO, CO (FHA|USDA|VA) | 50 | $7,560,000 | $151,200 | $4,925 | 4.76% |
| Statesboro, GA (FHA|USDA|VA) | 41 | $6,095,000 | $148,659 | $5,970 | 4.74% |
| TYLER, TX (FHA|USDA|VA) | 35 | $5,885,000 | $168,143 | $4,800 | 4.74% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 31 | $5,725,000 | $184,677 | $4,188 | 4.69% |
| Scottsboro, AL (FHA|USDA|VA) | 36 | $4,370,000 | $121,389 | $5,148 | 4.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $4,225,000 | $248,529 | $4,680 | 4.49% |
| Calhoun, GA (FHA|USDA|VA) | 22 | $3,110,000 | $141,364 | $4,721 | 4.85% |
| HINESVILLE, GA (FHA|USDA|VA) | 17 | $2,855,000 | $167,941 | $6,132 | 4.76% |
| Beeville, TX (FHA|USDA|VA) | 17 | $2,275,000 | $133,824 | $5,103 | 5.21% |
| GAINESVILLE, GA (FHA|USDA|VA) | 10 | $2,100,000 | $210,000 | $4,366 | 4.91% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $5,823 | 4.68% |
| Paris, TX (FHA|USDA|VA) | 23 | $1,875,000 | $81,522 | $5,270 | 5.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $2,596 | 4.50% |
| Albertville, AL (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $5,684 | 4.73% |
| Bonham, TX (FHA|USDA|VA) | 8 | $1,420,000 | $177,500 | $4,612 | 4.78% |
| Shawnee, OK (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $4,766 | 5.04% |
| Jefferson, GA (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,023 | 4.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $4,240 | 4.35% |
| Fort Payne, AL (FHA|USDA|VA) | 8 | $1,050,000 | $131,250 | $4,907 | 4.58% |
| BURLINGTON, NC (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $3,981 | 4.61% |
| DECATUR, AL (FHA|USDA|VA) | 7 | $975,000 | $139,286 | $5,334 | 4.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,134 | 5.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,598 | 4.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $9,029 | 4.25% |
| ROME, GA (FHA|USDA|VA) | 7 | $825,000 | $117,857 | $4,957 | 4.84% |
| TULSA, OK (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $4,289 | 4.78% |
| Easton, MD (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $0 | 4.31% |
| Durant, OK (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $5,707 | 4.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,951 | 4.58% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $17,577 | 4.50% |
| Cedartown, GA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,509 | 4.65% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,380 | 4.96% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,668 | 4.54% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,903 | 5.31% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,838 | 4.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $6,828 | 4.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $9,866 | 7.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,637 | 4.42% |
| WACO, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $12,114 | 4.88% |
| Jacksonville, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,316 | 4.79% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $5,347 | 4.92% |
| Albemarle, NC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,816 | 4.92% |
| Athens, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,561 | 4.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,404 | 4.29% |
| Brevard, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,033 | 4.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,251 | 4.13% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,212 | 4.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,384 | 5.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,664 | 4.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,315 | 4.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 3.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,648 | 4.56% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,474 | 4.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,498 | 4.38% |
| Union, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,944 | 4.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,268 | 4.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,332 | 4.56% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,712 | 4.88% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,620 | 4.94% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,784 | 4.81% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,889 | 4.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,457 | 4.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,299 | 4.25% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 5.13% |
| Shelby, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,483 | 5.13% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,193 | 4.63% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,361 | 3.88% |
| ENID, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,707 | 4.38% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,372 | 4.38% |
| Ada, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,671 | 5.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,903 | 5.13% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,195 | 4.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,060 | 4.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,062 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,054 | 4.88% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,065 | 5.13% |
| Palestine, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,558 | 5.25% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,079 | 6.13% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,260 | 5.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.75% |
| Snyder, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,226 | 4.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,118 | 4.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,135 | 4.88% |
| Waycross, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,588 | 4.38% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,604 | 5.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,063 | 4.50% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.88% |
| Dayton, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,346 | 4.00% |
| Selma, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,732 | 5.13% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,487 | 4.63% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 0.00% |
Similar Lenders
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.
Similarity Rank: 8
Similarity Rank: 54
Similarity Rank: 86
Similarity Rank: 111
Similarity Rank: 128
Similarity Rank: 159
Similarity Rank: 200
Similarity Rank: 208
Similarity Rank: 224
Similarity Rank: 273
Product Mix
For 2018, Certainty Home Loans's most frequently originated type of loan was Conventional, with 2,799 originations. Their 2nd most popular type was FHA, with 1,166 originations.
Loan Reason
For 2018, Certainty Home Loans's most frequently cited loan purpose was Home Purchase, with 4,524 originations. The 2nd most popular reason was Cash Out Refi, with 239 originations.
Loan Duration/Length
For 2018, Certainty Home Loans's most frequently cited loan duration was 30 Year, with 4,527 originations. The 2nd most popular length was 15 Year, with 219 originations.
Origination Fees/Closing Costs
Certainty Home Loans's average total fees were $5,593, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,793 originations.
Interest Rates
During 2018, Certainty Home Loans's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 3,413 originations.
Loan Sizing
2018 saw Certainty Home Loans place emphasis on $100k-200k loans with 2,038 originations, totaling $310,840,000 in origination value.
Applicant Income
Certainty Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,394 originations. The second most popular income band? $50k or less, with 1,092 originations.
Applicant Debt to Income Ratio
Certainty Home Loans lent most frequently to those with DTI ratios of 30-36%, with 885 originations. The next most common DTI ratio? 20-30%, with 764 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.41%
Certainty Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination73.28%
Certainty Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,847 | $1,017,035,000 | $209,828 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 8 | $940,000 | $117,500 |
| Single Family (1-4 Units):Site-Built | 4,839 | $1,016,095,000 | $209,980 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CERTAINTY HOME LOANS LLC | Other type of mortgage | Trouble during payment process | 1 | 100.0% |