Certainty Home Loans, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Certainty Home Loans, LLC of Wilmington, DE reported 7,014 mortgage applications totaling $1.5 billion, down 14% from 2018. The average application was for $216,257, and applicants reported an average income of $96,289. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,267), Charlotte-Concord-Gastonia, NC-SC (578) and Savannah, GA (486) (applications in parentheses).
| Mortgage Company & Address | Certainty Home Loans, LLC 6101 West Plano Parkway Wilmington, DE 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 7,014 |
| Total Mortgage Loan Application Amount | $1,516,830,000 |
| Average Mortgage Loan Application Amount | $216,257 |
| Highest Mortgage Loan Application Amount | $1,735,000 |
| Average Applicant Income | $96,289 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Certainty Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chatham, Georgia | 369 | $ 83,985,000 | $ 227,601 | $ 104,000 |
| Cobb, Georgia | 340 | $ 99,040,000 | $ 291,294 | $ 135,000 |
| Madison, Alabama | 277 | $ 52,225,000 | $ 188,537 | $ 82,000 |
| Caldwell, North Carolina | 243 | $ 32,855,000 | $ 135,205 | $ 58,000 |
| Mecklenburg, North Carolina | 235 | $ 54,885,000 | $ 233,553 | $ 111,000 |
| Okaloosa, Florida | 219 | $ 61,645,000 | $ 281,484 | $ 76,000 |
| Fulton, Georgia | 215 | $ 59,135,000 | $ 275,046 | $ 127,000 |
| Harris, Texas | 206 | $ 52,710,000 | $ 255,873 | $ 149,000 |
| Cumberland, North Carolina | 168 | $ 24,910,000 | $ 148,273 | $ 54,000 |
| Bexar, Texas | 166 | $ 33,330,000 | $ 200,783 | $ 90,000 |
| Nueces, Texas | 165 | $ 30,565,000 | $ 185,242 | $ 80,000 |
| Oklahoma, Oklahoma | 159 | $ 27,395,000 | $ 172,295 | $ 81,000 |
| Guilford, North Carolina | 158 | $ 31,130,000 | $ 197,025 | $ 95,000 |
| Grayson, Texas | 158 | $ 29,350,000 | $ 185,759 | $ 86,000 |
| Tarrant, Texas | 156 | $ 36,060,000 | $ 231,153 | $ 121,000 |
| York, South Carolina | 153 | $ 34,975,000 | $ 228,594 | $ 88,000 |
| DeKalb, Georgia | 130 | $ 31,140,000 | $ 239,538 | $ 125,000 |
| Gwinnett, Georgia | 121 | $ 27,525,000 | $ 227,479 | $ 94,000 |
| Paulding, Georgia | 109 | $ 23,565,000 | $ 216,192 | $ 81,000 |
| Marshall, Alabama | 106 | $ 23,800,000 | $ 224,528 | $ 91,000 |
| Denton, Texas | 104 | $ 30,890,000 | $ 297,019 | $ 141,000 |
| Galveston, Texas | 103 | $ 24,025,000 | $ 233,252 | $ 117,000 |
| Montgomery, Alabama | 102 | $ 13,590,000 | $ 133,235 | $ 62,000 |
| Cherokee, Georgia | 93 | $ 23,755,000 | $ 255,430 | $ 98,000 |
| Fort Bend, Texas | 76 | $ 21,290,000 | $ 280,131 | $ 123,000 |
| Forsyth, North Carolina | 73 | $ 15,015,000 | $ 205,684 | $ 95,000 |
| Union, North Carolina | 73 | $ 21,895,000 | $ 299,931 | $ 111,000 |
| Bryan, Georgia | 72 | $ 16,510,000 | $ 229,305 | $ 90,000 |
| Lamar, Texas | 69 | $ 9,085,000 | $ 131,666 | $ 68,000 |
| Cleveland, Oklahoma | 66 | $ 11,450,000 | $ 173,484 | $ 89,000 |
| Travis, Texas | 61 | $ 19,925,000 | $ 326,639 | $ 209,000 |
| Collin, Texas | 60 | $ 18,000,000 | $ 300,000 | $ 149,000 |
| Smith, Texas | 59 | $ 10,545,000 | $ 178,728 | $ 87,000 |
| El Paso, Texas | 57 | $ 8,565,000 | $ 150,263 | $ 66,000 |
| Jackson, Alabama | 52 | $ 7,100,000 | $ 136,538 | $ 65,000 |
| Davidson, North Carolina | 51 | $ 9,455,000 | $ 185,392 | $ 83,000 |
| Limestone, Alabama | 50 | $ 10,380,000 | $ 207,600 | $ 85,000 |
| Richland, South Carolina | 46 | $ 7,150,000 | $ 155,434 | $ 60,000 |
| Effingham, Georgia | 45 | $ 8,675,000 | $ 192,777 | $ 75,000 |
| Catawba, North Carolina | 45 | $ 8,015,000 | $ 178,111 | $ 86,000 |
| Bulloch, Georgia | 44 | $ 7,180,000 | $ 163,181 | $ 74,000 |
| Elmore, Alabama | 39 | $ 7,685,000 | $ 197,051 | $ 76,000 |
| Forsyth, Georgia | 39 | $ 13,215,000 | $ 338,846 | $ 124,000 |
| Douglas, Georgia | 38 | $ 5,630,000 | $ 148,157 | $ 60,000 |
| Berkeley, South Carolina | 38 | $ 8,700,000 | $ 228,947 | $ 84,000 |
| Dallas, Texas | 38 | $ 9,200,000 | $ 242,105 | $ 116,000 |
| Arapahoe, Colorado | 37 | $ 9,525,000 | $ 257,432 | $ 83,000 |
| Gaston, North Carolina | 35 | $ 5,425,000 | $ 155,000 | $ 61,000 |
| Dorchester, South Carolina | 35 | $ 7,665,000 | $ 219,000 | $ 117,000 |
| Hoke, North Carolina | 34 | $ 5,350,000 | $ 157,352 | $ 62,000 |
| Cabarrus, North Carolina | 33 | $ 6,895,000 | $ 208,939 | $ 84,000 |
| Charleston, South Carolina | 33 | $ 8,285,000 | $ 251,060 | $ 90,000 |
| Gordon, Georgia | 32 | $ 5,040,000 | $ 157,500 | $ 68,000 |
| Bartow, Georgia | 31 | $ 6,705,000 | $ 216,290 | $ 88,000 |
| Clayton, Georgia | 30 | $ 3,750,000 | $ 125,000 | $ 51,000 |
| Burke, North Carolina | 29 | $ 4,045,000 | $ 139,482 | $ 49,000 |
| Brazoria, Texas | 28 | $ 6,310,000 | $ 225,357 | $ 114,000 |
| Logan, Oklahoma | 26 | $ 5,220,000 | $ 200,769 | $ 98,000 |
| Santa Rosa, Florida | 25 | $ 5,735,000 | $ 229,400 | $ 84,000 |
| Henry, Georgia | 25 | $ 5,655,000 | $ 226,200 | $ 77,000 |
| Harnett, North Carolina | 25 | $ 5,195,000 | $ 207,800 | $ 80,000 |
| Randolph, North Carolina | 25 | $ 4,565,000 | $ 182,600 | $ 74,000 |
| Canadian, Oklahoma | 24 | $ 4,360,000 | $ 181,666 | $ 123,000 |
| Coweta, Georgia | 22 | $ 5,370,000 | $ 244,090 | $ 86,000 |
| Carroll, Georgia | 21 | $ 3,445,000 | $ 164,047 | $ 75,000 |
| Wake, North Carolina | 21 | $ 5,485,000 | $ 261,190 | $ 81,000 |
| Morgan, Alabama | 20 | $ 2,630,000 | $ 131,500 | $ 66,000 |
| Montgomery, Texas | 20 | $ 4,550,000 | $ 227,500 | $ 124,000 |
| Williamson, Texas | 20 | $ 5,360,000 | $ 268,000 | $ 138,000 |
| Emanuel, Georgia | 18 | $ 2,550,000 | $ 141,666 | $ 64,000 |
| Walton, Florida | 17 | $ 4,505,000 | $ 265,000 | $ 75,000 |
| Liberty, Georgia | 17 | $ 2,745,000 | $ 161,470 | $ 59,000 |
| Fannin, Texas | 16 | $ 2,940,000 | $ 183,750 | $ 93,000 |
| Autauga, Alabama | 15 | $ 2,815,000 | $ 187,666 | $ 95,000 |
| Floyd, Georgia | 15 | $ 2,615,000 | $ 174,333 | $ 59,000 |
| Lancaster, South Carolina | 15 | $ 3,585,000 | $ 239,000 | $ 93,000 |
| Brunswick, North Carolina | 14 | $ 3,320,000 | $ 237,142 | $ 136,000 |
| Beaufort, South Carolina | 14 | $ 3,490,000 | $ 249,285 | $ 108,000 |
| Escambia, Florida | 13 | $ 3,195,000 | $ 245,769 | $ 85,000 |
| Cooke, Texas | 13 | $ 2,475,000 | $ 190,384 | $ 75,000 |
| Guadalupe, Texas | 13 | $ 2,585,000 | $ 198,846 | $ 100,000 |
| Hall, Georgia | 12 | $ 3,590,000 | $ 299,166 | $ 122,000 |
| Walton, Georgia | 12 | $ 2,460,000 | $ 205,000 | $ 77,000 |
| Grady, Oklahoma | 12 | $ 2,070,000 | $ 172,500 | $ 86,000 |
| Hays, Texas | 12 | $ 2,520,000 | $ 210,000 | $ 116,000 |
| Medina, Texas | 12 | $ 2,970,000 | $ 247,500 | $ 80,000 |
| DeKalb, Alabama | 11 | $ 1,535,000 | $ 139,545 | $ 72,000 |
| Fayette, Georgia | 11 | $ 3,745,000 | $ 340,454 | $ 122,000 |
| Comal, Texas | 11 | $ 2,865,000 | $ 260,454 | $ 111,000 |
| Johnson, Texas | 11 | $ 2,045,000 | $ 185,909 | $ 115,000 |
| Denver, Colorado | 10 | $ 3,420,000 | $ 342,000 | $ 97,000 |
| Rowan, North Carolina | 10 | $ 1,510,000 | $ 151,000 | $ 68,000 |
| Chester, South Carolina | 10 | $ 1,650,000 | $ 165,000 | $ 58,000 |
| Lexington, South Carolina | 10 | $ 1,600,000 | $ 160,000 | $ 59,000 |
| Ellis, Texas | 10 | $ 2,290,000 | $ 229,000 | $ 79,000 |
| Hunt, Texas | 10 | $ 1,840,000 | $ 184,000 | $ 82,000 |
| Parker, Texas | 10 | $ 2,510,000 | $ 251,000 | $ 136,000 |
| San Patricio, Texas | 10 | $ 1,600,000 | $ 160,000 | $ 83,000 |
| Pueblo, Colorado | 9 | $ 1,405,000 | $ 156,111 | $ 79,000 |
| Jackson, Georgia | 9 | $ 1,985,000 | $ 220,555 | $ 69,000 |
| Iredell, North Carolina | 9 | $ 2,045,000 | $ 227,222 | $ 99,000 |
| McClain, Oklahoma | 9 | $ 1,595,000 | $ 177,222 | $ 66,000 |
| Tuscaloosa, Alabama | 8 | $ 960,000 | $ 120,000 | $ 59,000 |
| Jefferson, Colorado | 8 | $ 3,700,000 | $ 462,500 | $ 157,000 |
| Barrow, Georgia | 8 | $ 1,300,000 | $ 162,500 | $ 53,000 |
| Candler, Georgia | 8 | $ 1,030,000 | $ 128,750 | $ 54,000 |
| Alexander, North Carolina | 8 | $ 1,380,000 | $ 172,500 | $ 94,000 |
| Stanly, North Carolina | 8 | $ 1,840,000 | $ 230,000 | $ 110,000 |
| Douglas, Colorado | 7 | $ 2,655,000 | $ 379,285 | $ 115,000 |
| Broward, Florida | 7 | $ 1,775,000 | $ 253,571 | $ 99,000 |
| Durham, North Carolina | 7 | $ 1,705,000 | $ 243,571 | $ 185,000 |
| Baldwin, Alabama | 6 | $ 1,070,000 | $ 178,333 | $ 60,000 |
| Cullman, Alabama | 6 | $ 1,520,000 | $ 253,333 | $ 144,000 |
| Long, Georgia | 6 | $ 1,510,000 | $ 251,666 | $ 83,000 |
| Newton, Georgia | 6 | $ 730,000 | $ 121,666 | $ 79,000 |
| Rockdale, Georgia | 6 | $ 1,110,000 | $ 185,000 | $ 81,000 |
| Bladen, North Carolina | 6 | $ 740,000 | $ 123,333 | $ 59,000 |
| Rockingham, North Carolina | 6 | $ 1,020,000 | $ 170,000 | $ 72,000 |
| Stokes, North Carolina | 6 | $ 530,000 | $ 88,333 | $ 41,000 |
| Watauga, North Carolina | 6 | $ 1,110,000 | $ 185,000 | $ 116,000 |
| Aransas, Texas | 6 | $ 1,060,000 | $ 176,666 | $ 57,000 |
| Bee, Texas | 6 | $ 1,100,000 | $ 183,333 | $ 75,000 |
| Jim Wells, Texas | 6 | $ 1,200,000 | $ 200,000 | $ 92,000 |
| Rockwall, Texas | 6 | $ 1,780,000 | $ 296,666 | $ 106,000 |
| Jefferson, Alabama | 5 | $ 1,145,000 | $ 229,000 | $ 66,000 |
| St. Johns, Florida | 5 | $ 875,000 | $ 175,000 | $ 72,000 |
| Lincoln, North Carolina | 5 | $ 1,155,000 | $ 231,000 | $ 64,000 |
| Lincoln, Oklahoma | 5 | $ 985,000 | $ 197,000 | $ 104,000 |
| Kaufman, Texas | 5 | $ 1,265,000 | $ 253,000 | $ 71,000 |
| Tom Green, Texas | 5 | $ 835,000 | $ 167,000 | $ 91,000 |
| Tallapoosa, Alabama | 4 | $ 1,040,000 | $ 260,000 | $ 141,000 |
| El Paso, Colorado | 4 | $ 1,380,000 | $ 345,000 | $ 69,000 |
| Jenkins, Georgia | 4 | $ 620,000 | $ 155,000 | $ 57,000 |
| Murray, Georgia | 4 | $ 660,000 | $ 165,000 | $ 56,000 |
| Polk, Georgia | 4 | $ 720,000 | $ 180,000 | $ 55,000 |
| Henderson, North Carolina | 4 | $ 710,000 | $ 177,500 | $ 119,000 |
| Johnston, North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 75,000 |
| New Hanover, North Carolina | 4 | $ 790,000 | $ 197,500 | $ 82,000 |
| Robeson, North Carolina | 4 | $ 420,000 | $ 105,000 | $ 64,000 |
| Wilkes, North Carolina | 4 | $ 270,000 | $ 67,500 | $ 40,000 |
| Pottawatomie, Oklahoma | 4 | $ 430,000 | $ 107,500 | $ 51,000 |
| Chesterfield, South Carolina | 4 | $ 300,000 | $ 75,000 | $ 57,000 |
| Jasper, South Carolina | 4 | $ 810,000 | $ 202,500 | $ 81,000 |
| Kershaw, South Carolina | 4 | $ 750,000 | $ 187,500 | $ 104,000 |
| Lincoln, Tennessee | 4 | $ 1,180,000 | $ 295,000 | $ 145,000 |
| Henderson, Texas | 4 | $ 580,000 | $ 145,000 | $ 59,000 |
| Taylor, Texas | 4 | $ 1,020,000 | $ 255,000 | $ 113,000 |
| Uvalde, Texas | 4 | $ 1,500,000 | $ 375,000 | $ 115,000 |
| Val Verde, Texas | 4 | $ 930,000 | $ 232,500 | $ 87,000 |
| Wilson, Texas | 4 | $ 1,280,000 | $ 320,000 | $ 122,000 |
| Blount, Alabama | 3 | $ 575,000 | $ 191,666 | $ 108,000 |
| Lowndes, Alabama | 3 | $ 535,000 | $ 178,333 | $ 83,000 |
| Pickens, Alabama | 3 | $ 235,000 | $ 78,333 | $ 84,000 |
| Pike, Alabama | 3 | $ 335,000 | $ 111,666 | $ 84,000 |
| Bay, Florida | 3 | $ 715,000 | $ 238,333 | $ 70,000 |
| Haralson, Georgia | 3 | $ 525,000 | $ 175,000 | $ 57,000 |
| Harris, Georgia | 3 | $ 695,000 | $ 231,666 | $ 75,000 |
| Lumpkin, Georgia | 3 | $ 715,000 | $ 238,333 | $ 73,000 |
| Meriwether, Georgia | 3 | $ 375,000 | $ 125,000 | $ 49,000 |
| Moore, North Carolina | 3 | $ 855,000 | $ 285,000 | $ 48,000 |
| Onslow, North Carolina | 3 | $ 515,000 | $ 171,666 | $ 44,000 |
| Sampson, North Carolina | 3 | $ 365,000 | $ 121,666 | $ 49,000 |
| Surry, North Carolina | 3 | $ 455,000 | $ 151,666 | $ 61,000 |
| Fairfield, South Carolina | 3 | $ 855,000 | $ 285,000 | $ 111,000 |
| Greenville, South Carolina | 3 | $ 625,000 | $ 208,333 | $ 147,000 |
| Horry, South Carolina | 3 | $ 485,000 | $ 161,666 | $ 97,000 |
| Orangeburg, South Carolina | 3 | $ 375,000 | $ 125,000 | $ 69,000 |
| Spartanburg, South Carolina | 3 | $ 365,000 | $ 121,666 | $ 57,000 |
| Angelina, Texas | 3 | $ 645,000 | $ 215,000 | $ 53,000 |
| Austin, Texas | 3 | $ 425,000 | $ 141,666 | $ 46,000 |
| Bastrop, Texas | 3 | $ 625,000 | $ 208,333 | $ 77,000 |
| Delta, Texas | 3 | $ 325,000 | $ 108,333 | $ 65,000 |
| Kendall, Texas | 3 | $ 1,665,000 | $ 555,000 | $ 163,000 |
| Lubbock, Texas | 3 | $ 485,000 | $ 161,666 | $ 99,000 |
| Red River, Texas | 3 | $ 665,000 | $ 221,666 | $ 64,000 |
| Victoria, Texas | 3 | $ 355,000 | $ 118,333 | $ 48,000 |
| Wise, Texas | 3 | $ 755,000 | $ 251,666 | $ 76,000 |
| Crenshaw, Alabama | 2 | $ 80,000 | $ 40,000 | $ 48,000 |
| Etowah, Alabama | 2 | $ 360,000 | $ 180,000 | $ 48,000 |
| Houston, Alabama | 2 | $ 420,000 | $ 210,000 | $ 111,000 |
| Lee, Alabama | 2 | $ 460,000 | $ 230,000 | $ 104,000 |
| Mobile, Alabama | 2 | $ 270,000 | $ 135,000 | $ 292,000 |
| St. Clair, Alabama | 2 | $ 390,000 | $ 195,000 | $ 58,000 |
| Adams, Colorado | 2 | $ 820,000 | $ 410,000 | $ 151,000 |
| Duval, Florida | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Miami-Dade, Florida | 2 | $ 670,000 | $ 335,000 | $ 108,000 |
| Palm Beach, Florida | 2 | $ 430,000 | $ 215,000 | $ 119,000 |
| Clarke, Georgia | 2 | $ 320,000 | $ 160,000 | $ 106,000 |
| Evans, Georgia | 2 | $ 330,000 | $ 165,000 | $ 68,000 |
| Glynn, Georgia | 2 | $ 660,000 | $ 330,000 | $ 203,000 |
| Greene, Georgia | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| Habersham, Georgia | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Muscogee, Georgia | 2 | $ 370,000 | $ 185,000 | $ 64,000 |
| Pickens, Georgia | 2 | $ 570,000 | $ 285,000 | $ 126,000 |
| Screven, Georgia | 2 | $ 190,000 | $ 95,000 | $ 29,000 |
| Stephens, Georgia | 2 | $ 770,000 | $ 385,000 | $ 416,000 |
| Troup, Georgia | 2 | $ 350,000 | $ 175,000 | $ 57,000 |
| Wayne, Georgia | 2 | $ 550,000 | $ 275,000 | $ 81,000 |
| Whitfield, Georgia | 2 | $ 170,000 | $ 85,000 | $ 32,000 |
| Buncombe, North Carolina | 2 | $ 310,000 | $ 155,000 | $ 113,000 |
| Cleveland, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Davie, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 72,000 |
| Lee, North Carolina | 2 | $ 410,000 | $ 205,000 | $ 73,000 |
| Scotland, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 68,000 |
| Kingfisher, Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 95,000 |
| Sequoyah, Oklahoma | 2 | $ 200,000 | $ 100,000 | $ 39,000 |
| Georgetown, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Giles, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 53,000 |
| Williamson, Tennessee | 2 | $ 1,140,000 | $ 570,000 | $ 155,000 |
| Atascosa, Texas | 2 | $ 140,000 | $ 70,000 | $ 71,000 |
| Bell, Texas | 2 | $ 310,000 | $ 155,000 | $ 97,000 |
| Brazos, Texas | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Cherokee, Texas | 2 | $ 220,000 | $ 110,000 | $ 71,000 |
| Frio, Texas | 2 | $ 480,000 | $ 240,000 | $ 120,000 |
| Hidalgo, Texas | 2 | $ 370,000 | $ 185,000 | $ 82,000 |
| Hood, Texas | 2 | $ 780,000 | $ 390,000 | $ 127,000 |
| Kerr, Texas | 2 | $ 420,000 | $ 210,000 | $ 52,000 |
| Kleberg, Texas | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Live Oak, Texas | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Madison, Texas | 2 | $ 300,000 | $ 150,000 | $ 132,000 |
| Matagorda, Texas | 2 | $ 190,000 | $ 95,000 | $ 51,000 |
| Polk, Texas | 2 | $ 170,000 | $ 85,000 | $ 180,000 |
| Rusk, Texas | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Van Zandt, Texas | 2 | $ 330,000 | $ 165,000 | $ 147,000 |
| Wharton, Texas | 2 | $ 240,000 | $ 120,000 | $ 76,000 |
| Wood, Texas | 2 | $ 100,000 | $ 50,000 | $ 39,000 |
| Butler, Alabama | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Cherokee, Alabama | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Coffee, Alabama | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Lawrence, Alabama | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Russell, Alabama | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Shelby, Alabama | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Elbert, Colorado | 1 | $ 505,000 | $ 505,000 | $ 132,000 |
| Summit, Colorado | 1 | $ 175,000 | $ 175,000 | $ 240,000 |
| Teller, Colorado | 1 | $ 985,000 | $ 985,000 | $ 264,000 |
| Brevard, Florida | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Hillsborough, Florida | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Holmes, Florida | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Lee, Florida | 1 | $ 205,000 | $ 205,000 | $ 136,000 |
| Marion, Florida | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Sarasota, Florida | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Volusia, Florida | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Banks, Georgia | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Bibb, Georgia | 1 | $ 375,000 | $ 375,000 | $ 132,000 |
| Burke, Georgia | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Butts, Georgia | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Dawson, Georgia | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Elbert, Georgia | 1 | $ 265,000 | $ 265,000 | $ 119,000 |
| Fannin, Georgia | 1 | $ 185,000 | $ 185,000 | $ 271,000 |
| Gilmer, Georgia | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Hart, Georgia | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Laurens, Georgia | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Lee, Georgia | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| McIntosh, Georgia | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Oconee, Georgia | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Oglethorpe, Georgia | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Putnam, Georgia | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Richmond, Georgia | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Towns, Georgia | 1 | $ 245,000 | $ 245,000 | $ 235,000 |
| Union, Georgia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Sedgwick, Kansas | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Jefferson, Louisiana | 1 | $ 555,000 | $ 555,000 | $ 137,000 |
| Dona Ana, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Alamance, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Alleghany, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Caswell, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Chatham, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 105,000 |
| Franklin, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 155,000 |
| Haywood, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Jackson, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Montgomery, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 56,000 |
| Nash, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Orange, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Pender, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 179,000 |
| Pitt, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Yadkin, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Yancey, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Bryan, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Caddo, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Choctaw, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Custer, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Garvin, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 184,000 |
| Love, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Muskogee, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Rogers, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Tulsa, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Anderson, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| Colleton, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Darlington, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Florence, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Greenwood, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Davidson, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Franklin, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 125,000 |
| Greene, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Hamilton, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 114,000 |
| Montgomery, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Archer, Texas | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Bandera, Texas | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Bowie, Texas | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Brooks, Texas | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Brown, Texas | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Burnet, Texas | 1 | $ 175,000 | $ 175,000 | $ 161,000 |
| Camp, Texas | 1 | $ 155,000 | $ 155,000 | $ 266,000 |
| Comanche, Texas | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Coryell, Texas | 1 | $ 455,000 | $ 455,000 | $ 138,000 |
| Ector, Texas | 1 | $ 365,000 | $ 365,000 | $ 201,000 |
| Grimes, Texas | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Harrison, Texas | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Liberty, Texas | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Llano, Texas | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Midland, Texas | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Milam, Texas | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Montague, Texas | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Palo Pinto, Texas | 1 | $ 205,000 | $ 205,000 | $ 211,000 |
| Rains, Texas | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Randall, Texas | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| San Jacinto, Texas | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Trinity, Texas | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Waller, Texas | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Wichita, Texas | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Chesterfield, Virginia | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Fairfax, Virginia | 1 | $ 505,000 | $ 505,000 | $ 99,000 |
| Fauquier, Virginia | 1 | $ 435,000 | $ 435,000 | $ 109,000 |
| Loudoun, Virginia | 1 | $ 645,000 | $ 645,000 | $ 182,000 |
| Patrick, Virginia | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Prince William, Virginia | 1 | $ 345,000 | $ 345,000 | $ 129,000 |
| Virginia Beach, Virginia | 1 | $ 625,000 | $ 625,000 | $ 284,000 |
Mortgage Loan Application Detail Totals for Certainty Home Loans, LLC in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 5,622 | $1,165,550,000 | $207,000 | $1,735,000 | $91,000 | $2,400,000 |
| Refinancing | 867 | $230,965,000 | $266,000 | $1,275,000 | $120,000 | $6,000,000 |
| Cash-out Refinancing | 519 | $118,925,000 | $229,000 | $985,000 | $114,000 | $3,016,000 |
| Home Improvement | 6 | $1,390,000 | $231,000 | $325,000 | $95,000 | $143,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,433 | $991,035,000 | $223,000 | $1,735,000 | $100,000 | $4,509,000 |
| Not Provided | 912 | $198,080,000 | $217,000 | $1,225,000 | $98,000 | $5,040,000 |
| Black or African American | 819 | $152,575,000 | $186,000 | $945,000 | $74,000 | $1,126,000 |
| Hispanic | 631 | $122,225,000 | $193,000 | $805,000 | $79,000 | $673,000 |
| Asian | 168 | $40,370,000 | $240,000 | $855,000 | $141,000 | $6,000,000 |
| American Indian or Alaskan Native | 32 | $7,560,000 | $236,000 | $535,000 | $94,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,500,000 | $250,000 | $385,000 | $73,000 | $135,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,179 | $933,135,000 | $223,000 | $1,735,000 | $114,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 1,565 | $285,045,000 | $182,000 | $505,000 | $68,000 | $477,000 |
| VA-guaranteed (Veterans Administration) | 1,023 | $263,465,000 | $257,000 | $985,000 | $77,000 | $368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 247 | $35,185,000 | $142,000 | $1,135,000 | $49,000 | $288,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,167 | $1,110,575,000 | $214,000 | $1,275,000 | $91,000 | $1,126,000 |
| Application Withdrawn By Applicant | 1,059 | $234,325,000 | $221,000 | $1,735,000 | $121,000 | $6,000,000 |
| Application Denied By Financial Institution | 737 | $161,115,000 | $218,000 | $1,225,000 | $93,000 | $1,290,000 |
| Application Approved But Not Accepted | 51 | $10,815,000 | $212,000 | $515,000 | $96,000 | $316,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 6,277 | $1,355,715,000 | $215,000 | $1,735,000 | $96,000 | $6,000,000 |
| Unverifiable Information | 250 | $56,530,000 | $226,000 | $1,225,000 | $97,000 | $610,000 |
| Collateral | 113 | $23,245,000 | $205,000 | $1,135,000 | $93,000 | $385,000 |
| Debt-To-Income Ratio | 94 | $19,430,000 | $206,000 | $975,000 | $71,000 | $447,000 |
| Credit History | 90 | $18,550,000 | $206,000 | $945,000 | $96,000 | $1,035,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 74 | $15,990,000 | $216,000 | $985,000 | $86,000 | $325,000 |
| Credit Application Incomplete | 71 | $18,115,000 | $255,000 | $945,000 | $112,000 | $1,290,000 |
| Other | 30 | $6,800,000 | $226,000 | $1,055,000 | $102,000 | $430,000 |
| Employment History | 15 | $2,455,000 | $163,000 | $375,000 | $50,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Certainty Home Loans, LLC's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Certainty Home Loans, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About