Certainty Home Loans Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300QVQQMJ9IWR0G78

Tax ID: 75-2857425

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Charlotte, Savannah, Dallas, and Houston among others. We have data for 134 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Certainty Home Loans has an 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

    5,167

    Origination Dollar Volume (All Markets)

    $1,110,575,000
    Show all (13) awards

    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) 852 $215,830,000 $253,322 $4,864 4.22%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 419 $95,195,000 $227,196 $4,699 4.31%
    SAVANNAH, GA (FHA|USDA|VA) 371 $84,365,000 $227,399 $6,569 4.10%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 318 $82,470,000 $259,340 $5,797 4.33%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 304 $77,130,000 $253,717 $6,009 4.27%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 205 $57,925,000 $282,561 $4,815 3.70%
    HUNTSVILLE, AL (FHA|USDA|VA) 271 $53,135,000 $196,070 $5,566 4.04%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 254 $45,420,000 $178,819 $4,147 4.24%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 251 $35,975,000 $143,327 $4,723 4.32%
    FAYETTEVILLE, NC (FHA|USDA|VA) 170 $28,160,000 $165,647 $4,445 4.02%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 141 $27,675,000 $196,277 $5,534 4.48%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 139 $27,615,000 $198,669 $4,707 4.29%
    MONTGOMERY, AL (FHA|USDA|VA) 137 $21,065,000 $153,759 $4,863 3.93%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 116 $20,640,000 $177,931 $4,882 4.33%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 69 $20,215,000 $292,971 $6,485 4.27%
    WINSTON-SALEM, NC (FHA|USDA|VA) 103 $19,415,000 $188,495 $4,764 4.24%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 110 $18,760,000 $170,545 $5,659 4.68%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 74 $17,390,000 $235,000 $5,155 4.25%
    Albertville, AL (FHA|USDA|VA) 74 $15,780,000 $213,243 $5,594 4.13%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 37 $11,605,000 $313,649 $3,409 3.97%
    Outside of Metro Areas 79 $11,515,000 $145,759 $4,698 4.30%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 35 $8,305,000 $237,286 $4,862 3.89%
    COLUMBIA, SC (FHA|USDA|VA) 49 $8,185,000 $167,041 $4,565 4.42%
    TYLER, TX (FHA|USDA|VA) 42 $7,750,000 $184,524 $3,935 4.42%
    EL PASO, TX (FHA|USDA|VA) 47 $6,865,000 $146,064 $5,535 3.99%
    Paris, TX (FHA|USDA|VA) 47 $6,335,000 $134,787 $4,746 4.43%
    Scottsboro, AL (FHA|USDA|VA) 42 $6,040,000 $143,810 $4,672 4.02%
    Statesboro, GA (FHA|USDA|VA) 32 $5,110,000 $159,688 $6,179 4.39%
    RALEIGH-CARY, NC (FHA|USDA|VA) 15 $4,255,000 $283,667 $4,991 4.03%
    Calhoun, GA (FHA|USDA|VA) 26 $4,180,000 $160,769 $5,184 4.52%
    HINESVILLE, GA (FHA|USDA|VA) 17 $3,295,000 $193,824 $5,161 3.85%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 13 $2,935,000 $225,769 $4,975 4.30%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $2,905,000 $223,462 $4,332 4.11%
    GAINESVILLE, GA (FHA|USDA|VA) 10 $2,780,000 $278,000 $6,985 4.49%
    ROME, GA (FHA|USDA|VA) 13 $2,405,000 $185,000 $4,065 4.13%
    DECATUR, AL (FHA|USDA|VA) 17 $2,375,000 $139,706 $4,678 3.93%
    Bonham, TX (FHA|USDA|VA) 13 $2,355,000 $181,154 $4,548 3.93%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $2,090,000 $261,250 $5,535 3.97%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,080,000 $260,000 $4,027 4.12%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $1,870,000 $233,750 $7,100 4.13%
    Fort Payne, AL (FHA|USDA|VA) 11 $1,535,000 $139,545 $4,999 3.84%
    Albemarle, NC (FHA|USDA|VA) 5 $1,455,000 $291,000 $6,264 4.38%
    Jefferson, GA (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,730 3.83%
    COLUMBUS, GA-AL (FHA|USDA|VA) 6 $1,280,000 $213,333 $5,926 3.64%
    TUSCALOOSA, AL (FHA|USDA|VA) 11 $1,195,000 $108,636 $4,705 4.15%
    Cullman, AL (FHA|USDA|VA) 3 $975,000 $325,000 $7,328 3.92%
    Alice, TX (FHA|USDA|VA) 4 $970,000 $242,500 $9,251 4.66%
    Del Rio, TX (FHA|USDA|VA) 4 $930,000 $232,500 $6,753 4.69%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $920,000 $230,000 $5,626 4.37%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $900,000 $450,000 $3,596 4.50%
    Beeville, TX (FHA|USDA|VA) 4 $870,000 $217,500 $7,756 5.44%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $855,000 $285,000 $7,639 3.96%
    SAN ANGELO, TX (FHA|USDA|VA) 5 $835,000 $167,000 $4,976 4.67%
    Rockport, TX (FHA|USDA|VA) 5 $785,000 $157,000 $3,753 4.58%
    Granbury, TX (FHA|USDA|VA) 2 $780,000 $390,000 $5,337 3.50%
    Gainesville, TX (FHA|USDA|VA) 4 $770,000 $192,500 $4,004 3.94%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $760,000 $190,000 $5,749 4.81%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $740,000 $185,000 $4,648 4.16%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $730,000 $365,000 $9,637 3.88%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $715,000 $238,333 $2,383 3.67%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $710,000 $177,500 $3,227 4.03%
    Boone, NC (FHA|USDA|VA) 3 $665,000 $221,667 $5,085 3.88%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $660,000 $330,000 $5,550 4.50%
    PUEBLO, CO (FHA|USDA|VA) 4 $650,000 $162,500 $5,373 4.58%
    WILMINGTON, NC (FHA|USDA|VA) 3 $585,000 $195,000 $5,268 4.21%
    Athens, TX (FHA|USDA|VA) 4 $580,000 $145,000 $4,477 4.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $555,000 $555,000 $4,314 4.63%
    ABILENE, TX (FHA|USDA|VA) 3 $555,000 $185,000 $0 5.54%
    JACKSONVILLE, NC (FHA|USDA|VA) 3 $515,000 $171,667 $5,509 3.54%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $505,000 $505,000 $16,071 3.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $485,000 $485,000 $6,973 3.50%
    LUBBOCK, TX (FHA|USDA|VA) 3 $485,000 $161,667 $5,422 4.63%
    Pearsall, TX (FHA|USDA|VA) 2 $480,000 $240,000 $4,284 4.94%
    DALTON, GA (FHA|USDA|VA) 3 $465,000 $155,000 $5,329 4.92%
    Mount Airy, NC (FHA|USDA|VA) 3 $455,000 $151,667 $5,013 4.17%
    Shawnee, OK (FHA|USDA|VA) 4 $430,000 $107,500 $3,857 4.78%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $425,000 $141,667 $4,004 3.58%
    Kerrville, TX (FHA|USDA|VA) 2 $420,000 $210,000 $8,409 4.25%
    DOTHAN, AL (FHA|USDA|VA) 2 $420,000 $210,000 $4,565 3.69%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $390,000 $195,000 $7,339 3.94%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $380,000 $190,000 $8,058 4.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $375,000 $375,000 $7,627 4.75%
    Toccoa, GA (FHA|USDA|VA) 1 $365,000 $365,000 $3,209 4.25%
    ODESSA, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,298 3.63%
    GADSDEN, AL (FHA|USDA|VA) 2 $360,000 $180,000 $7,592 3.56%
    VICTORIA, TX (FHA|USDA|VA) 3 $355,000 $118,333 $4,530 5.25%
    FLORENCE, SC (FHA|USDA|VA) 2 $350,000 $175,000 $6,321 3.81%
    Troy, AL (FHA|USDA|VA) 3 $335,000 $111,667 $4,258 3.92%
    LONGVIEW, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,213 4.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $310,000 $155,000 $6,264 3.63%
    Jesup, GA (FHA|USDA|VA) 1 $285,000 $285,000 $4,578 4.25%
    TULSA, OK (FHA|USDA|VA) 2 $280,000 $140,000 $5,284 4.12%
    RICHMOND, VA (FHA|USDA|VA) 1 $275,000 $275,000 $2,603 3.88%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $265,000 $265,000 $9,130 3.25%
    Laurinburg, NC (FHA|USDA|VA) 2 $260,000 $130,000 $6,575 4.81%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $245,000 $245,000 $9,445 4.13%
    Orangeburg, SC (FHA|USDA|VA) 2 $240,000 $120,000 $3,136 4.06%
    El Campo, TX (FHA|USDA|VA) 2 $240,000 $120,000 $5,327 4.69%
    ALBANY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $9,514 4.00%
    Cedartown, GA (FHA|USDA|VA) 2 $230,000 $115,000 $4,158 4.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $14,273 4.00%
    Lufkin, TX (FHA|USDA|VA) 1 $215,000 $215,000 $8,325 3.00%
    Weatherford, OK (FHA|USDA|VA) 1 $215,000 $215,000 $500 3.63%
    Kingsville, TX (FHA|USDA|VA) 2 $210,000 $105,000 $6,076 5.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,715 4.00%
    Cornelia, GA (FHA|USDA|VA) 2 $200,000 $100,000 $3,380 4.44%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,870 3.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,693 5.38%
    Bay City, TX (FHA|USDA|VA) 2 $190,000 $95,000 $3,418 5.30%
    Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $5,768 3.88%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $185,000 $185,000 $7,877 3.75%
    Sanford, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,487 4.38%
    Breckenridge, CO (FHA|USDA|VA) 1 $175,000 $175,000 $6,230 3.63%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $175,000 $175,000 $450 4.25%
    AMARILLO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,067 4.25%
    North Wilkesboro, NC (FHA|USDA|VA) 2 $170,000 $85,000 $3,272 4.81%
    Dublin, GA (FHA|USDA|VA) 1 $165,000 $165,000 $7,656 4.25%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $155,000 $155,000 $4,888 4.25%
    Alexander City, AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,716 4.25%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,707 4.63%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,867 3.88%
    MOBILE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,935 4.63%
    Lumberton, NC (FHA|USDA|VA) 1 $145,000 $145,000 $6,754 4.00%
    Ardmore, OK (FHA|USDA|VA) 1 $135,000 $135,000 $4,724 4.63%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,229 4.75%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $130,000 $65,000 $3,544 3.88%
    Greenwood, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,954 3.88%
    Cullowhee, NC (FHA|USDA|VA) 1 $125,000 $125,000 $6,213 4.25%
    OCALA, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,482 4.88%
    Muskogee, OK (FHA|USDA|VA) 1 $115,000 $115,000 $2,112 3.99%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,912 4.75%
    BURLINGTON, NC (FHA|USDA|VA) 1 $95,000 $95,000 $4,159 4.88%
    Enterprise, AL (FHA|USDA|VA) 1 $65,000 $65,000 $2,609 4.50%
    GREENVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $2,725 5.25%
    Certainty Home Loans's top markets include Atlanta, Charlotte, Savannah, Dallas, and Houston among others.

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

    • 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.

    Eglin Federal Credit Union
    Similarity Rank: 9
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    First State Bank
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    Piedmont Federal Savings Bank
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    AAXY L.L.C.
    Similarity Rank: 192
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 220
    Gulf Winds Credit Union
    Similarity Rank: 225
    KELLY COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 235
    REDSTONE Federal Credit Union
    Similarity Rank: 264
    MORTGAGE ONE OF THE SOUTH, INC.
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,021 $664,685,000 $220,022 $4,223 4.24%
    FHA 1,129 $207,195,000 $183,521 $7,402 4.36%
    VA 818 $211,200,000 $258,191 $5,317 3.88%
    USDA 199 $27,495,000 $138,166 $5,081 4.20%

    For 2019, Certainty Home Loans's most frequently originated type of loan was Conventional, with 3,021 originations. Their 2nd most popular type was FHA, with 1,129 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,372 $909,150,000 $207,948 $5,252 4.25%
    Refi 471 $130,395,000 $276,847 $4,381 3.82%
    Cash Out Refi 320 $70,130,000 $219,156 $4,898 4.25%
    Home Improvement 4 $900,000 $225,000 $4,904 4.37%

    For 2019, Certainty Home Loans's most frequently cited loan purpose was Home Purchase, with 4,372 originations. The 2nd most popular reason was Refi, with 471 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,720 $1,053,300,000 $223,157 $5,403 4.24%
    15 Year 287 $46,535,000 $162,143 $3,184 3.65%
    10 Year 77 $1,185,000 $15,390 $255 4.03%
    5 Year 29 $435,000 $15,000 $147 0.00%
    20 Year 26 $5,200,000 $200,000 $4,140 4.20%
    3 Year 15 $75,000 $5,000 $629 0.00%
    Other 13 $3,845,000 $295,769 $4,456 3.57%

    For 2019, Certainty Home Loans's most frequently cited loan duration was 30 Year, with 4,720 originations. The 2nd most popular length was 15 Year, with 287 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,896 $413,140,000 $217,901
    $<1k 1,436 $288,030,000 $200,578
    $2k-3k 925 $168,155,000 $181,789
    $3k-4k 445 $109,205,000 $245,404
    $4k-5k 180 $57,400,000 $318,889
    $5k+ 132 $52,880,000 $400,606

    Certainty Home Loans's average total fees were $5,403, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,896 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,289 $546,695,000 $238,836
    4-5% 2,246 $472,560,000 $210,401
    5-6% 376 $66,040,000 $175,638
    2.5-3% 76 $21,690,000 $285,395
    6-7% 19 $2,415,000 $127,105

    During 2019, Certainty Home Loans's average interest rate for loans was 4.24%, while their most frequently originated rate bucket for loans was 3-4%, with 2,289 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,162 $589,210,000 $272,530 $5,853 4.10%
    $100k-200k 2,078 $319,840,000 $153,917 $4,877 4.29%
    $100,000 or less 581 $30,455,000 $52,418 $2,354 4.51%
    $400k-600k 307 $141,465,000 $460,798 $6,612 4.01%
    $600k-1MM 35 $24,985,000 $713,857 $6,964 4.02%
    $1MM+ 4 $4,620,000 $1,155,000 $14,320 4.50%

    2019 saw Certainty Home Loans place emphasis on $200k-400k loans with 2,162 originations, totaling $589,210,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,431 $255,465,000 $178,522 $5,066 4.24%
    $50k or less 1,242 $171,820,000 $138,341 $4,155 4.19%
    $100k-150k 976 $260,450,000 $266,855 $5,672 4.19%
    $75k-100k 853 $188,775,000 $221,307 $5,615 4.22%
    $150k-250k 515 $173,675,000 $337,233 $5,905 4.14%
    $250k+ 150 $60,390,000 $402,600 $6,065 4.27%

    Certainty Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,431 originations. The second most popular income band? $50k or less, with 1,242 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 941 $204,835,000 $217,678 $4,638 4.15%
    30-36% 937 $199,965,000 $213,410 $5,107 4.23%
    50-60% 389 $84,595,000 $217,468 $7,049 4.19%
    <20% 262 $53,120,000 $202,748 $4,070 4.05%
    42% 215 $45,225,000 $210,349 $5,067 4.34%
    44% 215 $44,435,000 $206,674 $5,013 4.33%
    43% 210 $43,510,000 $207,190 $5,336 4.23%
    41% 203 $43,465,000 $214,113 $4,878 4.28%
    40% 200 $43,360,000 $216,800 $5,175 4.27%
    39% 191 $39,335,000 $205,942 $5,378 4.25%
    37% 189 $37,265,000 $197,169 $4,889 4.26%
    38% 180 $37,080,000 $206,000 $4,991 4.25%
    49% 174 $38,230,000 $219,713 $5,527 4.23%
    36% 171 $36,265,000 $212,076 $5,272 4.29%
    47% 149 $32,685,000 $219,362 $5,518 4.23%
    45% 146 $30,050,000 $205,822 $5,127 4.33%
    46% 142 $31,260,000 $220,141 $5,687 4.33%
    48% 125 $27,815,000 $222,520 $5,854 4.29%
    >60% 26 $6,920,000 $266,154 $7,401 4.07%

    Certainty Home Loans lent most frequently to those with DTI ratios of 20-30%, with 941 originations. The next most common DTI ratio? 30-36%, with 937 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,784 $824,870,000 $217,989 $5,144 4.21%
    Not provided 664 $145,030,000 $218,419 $5,278 4.17%
    Black 565 $104,505,000 $184,965 $4,905 4.26%
    Asian 109 $25,045,000 $229,771 $5,521 4.25%
    American Indian 29 $6,985,000 $240,862 $6,030 4.24%
    Native Hawaiian or Islander 6 $1,450,000 $241,667 $7,026 4.54%
    Chinese 3 $925,000 $308,333 $4,620 3.75%
    Asian Indian 3 $795,000 $265,000 $7,184 3.75%
    Filipino 1 $295,000 $295,000 $8,298 3.63%
    Japanese 1 $255,000 $255,000 $1,271 3.38%
    Korean 1 $215,000 $215,000 $9,757 3.50%
    Vietnamese 1 $205,000 $205,000 $4,110 3.63%

    Approval Rates

    Total approvals of all applications
    89.49%

    Certainty Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.52%

    Certainty Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,167 $1,110,575,000 $214,936

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 45 $5,415,000 $120,333
    Single Family (1-4 Units):Site-Built 5,122 $1,105,160,000 $215,767

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $8,955,000 $146,803 $3,550 4.14%
    40-60% 208 $41,050,000 $197,356 $3,951 4.02%
    60-80% 1,073 $258,975,000 $241,356 $4,678 4.28%
    80-100% 3,478 $766,510,000 $220,388 $5,550 4.21%
    Over 100% 123 $33,395,000 $271,504 $9,234 3.92%
    Under 20% 224 $1,690,000 $7,545 $232 4.11%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CERTAINTY HOME LOANS LLC VA mortgage Trouble during payment process 1 100.0%