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 and Refi 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, Houston, Dallas, Charlotte, and Crestview among others. We have data for 172 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% | 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,518Origination Dollar Volume (All Markets)
$1,766,150,000Awards
CERTAINTY HOME LOANS - 2020
CERTAINTY HOME LOANS is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 1,171 | $321,395,000 | $274,462 | $5,081 | 3.11% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 580 | $151,300,000 | $260,862 | $6,044 | 3.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 485 | $132,345,000 | $272,876 | $5,671 | 3.20% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 400 | $101,970,000 | $254,925 | $4,220 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 283 | $87,925,000 | $310,689 | $5,844 | 2.95% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 403 | $85,575,000 | $212,345 | $5,964 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 286 | $70,400,000 | $246,154 | $4,976 | 3.02% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 338 | $68,720,000 | $203,314 | $4,267 | 3.20% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 380 | $62,310,000 | $163,974 | $5,031 | 3.22% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 309 | $53,005,000 | $171,537 | $4,960 | 2.94% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 230 | $48,590,000 | $211,261 | $5,106 | 3.02% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 157 | $46,355,000 | $295,255 | $5,647 | 3.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 210 | $45,670,000 | $217,476 | $5,135 | 3.08% |
| EL PASO, TX (FHA|USDA|VA) | 239 | $40,705,000 | $170,314 | $6,864 | 2.87% |
| Albertville, AL (FHA|USDA|VA) | 177 | $37,355,000 | $211,045 | $5,677 | 3.03% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 153 | $34,475,000 | $225,327 | $6,093 | 2.96% |
| MONTGOMERY, AL (FHA|USDA|VA) | 185 | $33,045,000 | $178,622 | $5,189 | 3.01% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 121 | $32,605,000 | $269,463 | $5,035 | 3.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 135 | $28,575,000 | $211,667 | $5,220 | 3.07% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 74 | $22,360,000 | $302,162 | $3,193 | 3.11% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 69 | $17,195,000 | $249,203 | $5,020 | 2.96% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 63 | $16,195,000 | $257,063 | $4,356 | 3.13% |
| Outside of Metro Areas | 83 | $16,075,000 | $193,675 | $4,947 | 3.18% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 55 | $15,545,000 | $282,636 | $5,666 | 2.95% |
| Scottsboro, AL (FHA|USDA|VA) | 83 | $14,495,000 | $174,639 | $5,431 | 3.05% |
| COLUMBIA, SC (FHA|USDA|VA) | 69 | $13,235,000 | $191,812 | $4,692 | 3.02% |
| TYLER, TX (FHA|USDA|VA) | 50 | $11,040,000 | $220,800 | $4,457 | 3.36% |
| HINESVILLE, GA (FHA|USDA|VA) | 47 | $10,365,000 | $220,532 | $5,228 | 2.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 42 | $8,940,000 | $212,857 | $5,543 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 29 | $7,645,000 | $263,621 | $5,517 | 3.28% |
| Paris, TX (FHA|USDA|VA) | 52 | $7,640,000 | $146,923 | $5,454 | 3.07% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 19 | $5,575,000 | $293,421 | $6,451 | 2.82% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 23 | $5,535,000 | $240,652 | $4,571 | 3.22% |
| GAINESVILLE, GA (FHA|USDA|VA) | 17 | $4,645,000 | $273,235 | $5,804 | 3.12% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 16 | $4,390,000 | $274,375 | $5,591 | 3.07% |
| Calhoun, GA (FHA|USDA|VA) | 25 | $4,365,000 | $174,600 | $4,877 | 3.44% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 18 | $3,930,000 | $218,333 | $6,384 | 2.90% |
| DECATUR, AL (FHA|USDA|VA) | 19 | $3,815,000 | $200,789 | $6,392 | 3.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $3,630,000 | $226,875 | $4,131 | 3.19% |
| Fort Payne, AL (FHA|USDA|VA) | 22 | $3,570,000 | $162,273 | $5,011 | 3.12% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 16 | $3,330,000 | $208,125 | $4,730 | 3.02% |
| LAS CRUCES, NM (FHA|USDA|VA) | 15 | $3,265,000 | $217,667 | $6,959 | 3.21% |
| ROME, GA (FHA|USDA|VA) | 17 | $3,115,000 | $183,235 | $4,441 | 3.26% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 10 | $2,740,000 | $274,000 | $4,150 | 2.86% |
| Granbury, TX (FHA|USDA|VA) | 12 | $2,740,000 | $228,333 | $5,712 | 3.22% |
| Rockport, TX (FHA|USDA|VA) | 14 | $2,620,000 | $187,143 | $4,329 | 3.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $7,848 | 3.04% |
| SAN ANGELO, TX (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $5,504 | 3.20% |
| GADSDEN, AL (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $5,731 | 3.05% |
| Statesboro, GA (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $4,468 | 3.33% |
| BURLINGTON, NC (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $4,778 | 3.10% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $5,653 | 3.36% |
| SPARTANBURG, SC (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $4,290 | 3.03% |
| Bonham, TX (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $4,106 | 3.31% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $6,846 | 2.79% |
| Sanford, NC (FHA|USDA|VA) | 9 | $1,565,000 | $173,889 | $5,414 | 2.58% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $4,133 | 2.71% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $6,978 | 2.90% |
| Gainesville, TX (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $6,030 | 2.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $6,173 | 3.10% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $3,300 | 3.19% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $5,351 | 3.02% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $4,306 | 3.30% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $5,091 | 3.35% |
| DALTON, GA (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $6,988 | 3.54% |
| Boone, NC (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,822 | 3.03% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,140 | 3.06% |
| Cullman, AL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $5,199 | 3.05% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $3,371 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,492 | 3.00% |
| Jefferson, GA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,564 | 3.47% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $4,652 | 3.09% |
| North Wilkesboro, NC (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $6,433 | 2.73% |
| Pearsall, TX (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $6,089 | 3.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,894 | 2.56% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,359 | 2.81% |
| Stephenville, TX (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,878 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,995 | 2.75% |
| Montrose, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,580 | 3.12% |
| Lumberton, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,790 | 3.54% |
| Athens, TX (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,502 | 3.46% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,556 | 3.00% |
| Duncan, OK (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,257 | 3.00% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,766 | 3.79% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,729 | 3.13% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,849 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,579 | 2.81% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,582 | 2.69% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,474 | 3.50% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,414 | 3.31% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,176 | 2.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,945 | 3.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,887 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $5,060 | 2.31% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,797 | 3.06% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,027 | 2.63% |
| Laurinburg, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,961 | 3.56% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,985 | 2.88% |
| Troy, AL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $4,965 | 3.53% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $9,753 | 3.13% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,514 | 3.44% |
| Shelby, NC (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,077 | 3.79% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,430 | 3.25% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,651 | 3.69% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,743 | 3.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,061 | 3.50% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,609 | 3.38% |
| Dublin, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,812 | 3.50% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,706 | 3.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,455 | 3.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,518 | 3.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,906 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,175 | 2.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,853 | 2.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,285 | 2.75% |
| Jesup, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,900 | 2.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,457 | 2.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,930 | 2.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.88% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,699 | 3.44% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,060 | 2.75% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,592 | 3.56% |
| Bay City, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,046 | 2.25% |
| Ada, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,843 | 2.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,365 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,542 | 2.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,243 | 2.75% |
| Plainview, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,051 | 2.88% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,826 | 3.25% |
| Tahlequah, OK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,136 | 2.88% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,014 | 3.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,911 | 2.99% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,179 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,039 | 2.75% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,973 | 2.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,553 | 3.63% |
| Jasper, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,094 | 3.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,775 | 2.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 3.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,596 | 2.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,737 | 2.63% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,491 | 3.13% |
| Wilson, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,648 | 3.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,908 | 3.63% |
| Brenham, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,636 | 3.63% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,465 | 2.75% |
| Americus, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,037 | 2.88% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,257 | 3.38% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,951 | 3.38% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,884 | 2.99% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,748 | 5.13% |
| Washington, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,174 | 2.88% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,867 | 3.00% |
| Summerville, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,104 | 2.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,676 | 3.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,073 | 3.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,505 | 4.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,722 | 2.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,906 | 2.88% |
| ENID, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,903 | 2.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.25% |
| McAlester, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,646 | 3.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,500 | 3.25% |
| Marion, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,427 | 4.00% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,694 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,576 | 3.75% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,943 | 3.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,051 | 2.88% |
| Tifton, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,309 | 3.25% |
| Selma, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,540 | 2.75% |
| Dumas, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,371 | 4.38% |
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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 2020, Certainty Home Loans's most frequently originated type of loan was Conventional, with 4,462 originations. Their 2nd most popular type was VA, with 1,416 originations.
Loan Reason
For 2020, Certainty Home Loans's most frequently cited loan purpose was Home Purchase, with 5,142 originations. The 2nd most popular reason was Refi, with 1,790 originations.
Loan Duration/Length
For 2020, Certainty Home Loans's most frequently cited loan duration was 30 Year, with 6,632 originations. The 2nd most popular length was 15 Year, with 675 originations.
Origination Fees/Closing Costs
Certainty Home Loans's average total fees were $5,422, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,793 originations.
Interest Rates
During 2020, Certainty Home Loans's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 3,342 originations.
Loan Sizing
2020 saw Certainty Home Loans place emphasis on $200k-400k loans with 3,596 originations, totaling $989,060,000 in origination value.
Applicant Income
Certainty Home Loans lent most frequently to those with incomes in the $50k-75k range, with 2,024 originations. The second most popular income band? $50k or less, with 1,693 originations.
Applicant Debt to Income Ratio
Certainty Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,534 originations. The next most common DTI ratio? 30-36%, with 1,336 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.05%
Certainty Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination76.95%
Certainty Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,518 | $1,766,150,000 | $234,923 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 69 | $9,205,000 | $133,406 |
| Single Family (1-4 Units):Site-Built | 7,449 | $1,756,945,000 | $235,863 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CERTAINTY HOME LOANS LLC | Conventional home mortgage | Incorrect information on your report | 1 | 50.0% |
| CERTAINTY HOME LOANS LLC | FHA mortgage | Trouble during payment process | 1 | 50.0% |