Certainty Home Loans, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Certainty Home Loans, Llc 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 10,274 |
| Total Mortgage Loan Application Amount | $2,404,460,000 |
| Average Mortgage Loan Application Amount | $223,000 |
| Highest Mortgage Loan Application Amount | $1,535,000 |
| Average Applicant Income | $106,250 |
| Highest Applicant Income | $4,703,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Certainty Home Loans, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Certainty Home Loans, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Certainty Home Loans, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Certainty Home Loans, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Certainty Home Loans, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Certainty Home Loans, Llc's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 429 | $ 112,065,000 | $ 261,000 | $ 135,000 |
| Madison County Alabama | 418 | $ 86,390,000 | $ 206,000 | $ 94,000 |
| Cobb County Georgia | 384 | $ 114,170,000 | $ 297,000 | $ 114,000 |
| Caldwell County North Carolina | 348 | $ 53,420,000 | $ 153,000 | $ 63,000 |
| El Paso County Texas | 338 | $ 55,280,000 | $ 163,000 | $ 69,000 |
| Okaloosa County Florida | 297 | $ 90,985,000 | $ 306,000 | $ 77,000 |
| Cumberland County North Carolina | 292 | $ 48,140,000 | $ 164,000 | $ 59,000 |
| Fulton County Georgia | 291 | $ 90,565,000 | $ 311,000 | $ 157,000 |
| Marshall County Alabama | 240 | $ 53,170,000 | $ 221,000 | $ 85,000 |
| Chatham County Georgia | 237 | $ 58,655,000 | $ 247,000 | $ 100,000 |
| Guilford County North Carolina | 236 | $ 53,130,000 | $ 225,000 | $ 89,000 |
| Oklahoma County Oklahoma | 227 | $ 46,155,000 | $ 203,000 | $ 92,000 |
| Bexar County Texas | 209 | $ 44,555,000 | $ 213,000 | $ 108,000 |
| Mecklenburg County North Carolina | 203 | $ 54,925,000 | $ 270,000 | $ 120,000 |
| Tarrant County Texas | 203 | $ 49,925,000 | $ 245,000 | $ 115,000 |
| Denton County Texas | 190 | $ 59,010,000 | $ 310,000 | $ 143,000 |
| Grayson County Texas | 190 | $ 43,210,000 | $ 227,000 | $ 111,000 |
| DeKalb County Georgia | 182 | $ 48,460,000 | $ 266,000 | $ 108,000 |
| Galveston County Texas | 176 | $ 44,210,000 | $ 251,000 | $ 139,000 |
| York County South Carolina | 175 | $ 39,865,000 | $ 227,000 | $ 84,000 |
| Gwinnett County Georgia | 171 | $ 43,875,000 | $ 256,000 | $ 92,000 |
| Fort Bend County Texas | 156 | $ 39,540,000 | $ 253,000 | $ 118,000 |
| Travis County Texas | 147 | $ 45,285,000 | $ 308,000 | $ 150,000 |
| Paulding County Georgia | 141 | $ 35,105,000 | $ 248,000 | $ 100,000 |
| Forsyth County North Carolina | 139 | $ 30,535,000 | $ 219,000 | $ 87,000 |
| Montgomery County Alabama | 128 | $ 22,120,000 | $ 172,000 | $ 88,000 |
| Davidson County North Carolina | 124 | $ 22,970,000 | $ 185,000 | $ 70,000 |
| Collin County Texas | 115 | $ 30,985,000 | $ 269,000 | $ 138,000 |
| Jackson County Alabama | 99 | $ 17,795,000 | $ 179,000 | $ 73,000 |
| Cherokee County Georgia | 94 | $ 27,240,000 | $ 289,000 | $ 105,000 |
| Limestone County Alabama | 86 | $ 20,060,000 | $ 233,000 | $ 70,000 |
| Cleveland County Oklahoma | 85 | $ 16,115,000 | $ 189,000 | $ 86,000 |
| Bryan County Georgia | 83 | $ 22,505,000 | $ 271,000 | $ 91,000 |
| Richland County South Carolina | 78 | $ 13,780,000 | $ 176,000 | $ 59,000 |
| Dallas County Texas | 77 | $ 19,765,000 | $ 256,000 | $ 110,000 |
| Berkeley County South Carolina | 75 | $ 18,365,000 | $ 244,000 | $ 88,000 |
| Catawba County North Carolina | 74 | $ 14,660,000 | $ 198,000 | $ 85,000 |
| Lamar County Texas | 72 | $ 10,100,000 | $ 140,000 | $ 60,000 |
| Santa Rosa County Florida | 71 | $ 17,245,000 | $ 242,000 | $ 82,000 |
| Elmore County Alabama | 70 | $ 12,920,000 | $ 184,000 | $ 74,000 |
| Smith County Texas | 70 | $ 15,350,000 | $ 219,000 | $ 116,000 |
| Forsyth County Georgia | 69 | $ 24,165,000 | $ 350,000 | $ 118,000 |
| Burke County North Carolina | 66 | $ 10,170,000 | $ 154,000 | $ 56,000 |
| Wake County North Carolina | 63 | $ 15,575,000 | $ 247,000 | $ 77,000 |
| Effingham County Georgia | 62 | $ 12,800,000 | $ 206,000 | $ 76,000 |
| Coweta County Georgia | 60 | $ 17,010,000 | $ 283,000 | $ 106,000 |
| Randolph County North Carolina | 60 | $ 10,920,000 | $ 182,000 | $ 68,000 |
| Arapahoe County Colorado | 59 | $ 16,505,000 | $ 279,000 | $ 93,000 |
| Charleston County South Carolina | 59 | $ 17,335,000 | $ 293,000 | $ 130,000 |
| Hoke County North Carolina | 56 | $ 9,770,000 | $ 174,000 | $ 51,000 |
| Douglas County Georgia | 54 | $ 9,500,000 | $ 175,000 | $ 62,000 |
| Dorchester County South Carolina | 53 | $ 13,185,000 | $ 248,000 | $ 90,000 |
| Nueces County Texas | 53 | $ 10,705,000 | $ 201,000 | $ 94,000 |
| Union County North Carolina | 50 | $ 15,790,000 | $ 315,000 | $ 118,000 |
| Brazoria County Texas | 50 | $ 12,540,000 | $ 250,000 | $ 124,000 |
| Harnett County North Carolina | 45 | $ 8,915,000 | $ 198,000 | $ 52,000 |
| Montgomery County Texas | 44 | $ 11,860,000 | $ 269,000 | $ 139,000 |
| Clayton County Georgia | 43 | $ 5,915,000 | $ 137,000 | $ 57,000 |
| Harris County Georgia | 41 | $ 12,825,000 | $ 312,000 | $ 100,000 |
| Canadian County Oklahoma | 41 | $ 8,055,000 | $ 196,000 | $ 74,000 |
| Bartow County Georgia | 38 | $ 8,220,000 | $ 216,000 | $ 77,000 |
| Williamson County Texas | 34 | $ 8,230,000 | $ 242,000 | $ 114,000 |
| Long County Georgia | 32 | $ 7,600,000 | $ 237,000 | $ 82,000 |
| Broward County Florida | 31 | $ 8,145,000 | $ 262,000 | $ 108,000 |
| Walton County Florida | 31 | $ 9,535,000 | $ 307,000 | $ 102,000 |
| Liberty County Georgia | 30 | $ 5,340,000 | $ 178,000 | $ 68,000 |
| Gordon County Georgia | 28 | $ 4,800,000 | $ 171,000 | $ 71,000 |
| Logan County Oklahoma | 28 | $ 6,440,000 | $ 230,000 | $ 98,000 |
| DeKalb County Alabama | 27 | $ 4,185,000 | $ 155,000 | $ 61,000 |
| Morgan County Alabama | 26 | $ 5,300,000 | $ 203,000 | $ 73,000 |
| Fayette County Georgia | 26 | $ 8,610,000 | $ 331,000 | $ 146,000 |
| Gaston County North Carolina | 26 | $ 5,180,000 | $ 199,000 | $ 78,000 |
| Autauga County Alabama | 25 | $ 4,205,000 | $ 168,000 | $ 81,000 |
| Hall County Georgia | 25 | $ 6,735,000 | $ 269,000 | $ 100,000 |
| Parker County Texas | 24 | $ 6,840,000 | $ 285,000 | $ 133,000 |
| Henry County Georgia | 23 | $ 5,345,000 | $ 232,000 | $ 73,000 |
| Moore County North Carolina | 23 | $ 6,925,000 | $ 301,000 | $ 93,000 |
| Floyd County Georgia | 22 | $ 4,020,000 | $ 182,000 | $ 55,000 |
| Hays County Texas | 22 | $ 6,350,000 | $ 288,000 | $ 89,000 |
| Johnson County Texas | 22 | $ 5,470,000 | $ 248,000 | $ 101,000 |
| Lee County Alabama | 21 | $ 4,675,000 | $ 222,000 | $ 88,000 |
| Lancaster County South Carolina | 21 | $ 4,845,000 | $ 230,000 | $ 68,000 |
| Aransas County Texas | 21 | $ 4,725,000 | $ 225,000 | $ 106,000 |
| Hood County Texas | 20 | $ 4,280,000 | $ 214,000 | $ 97,000 |
| Dona Ana County New Mexico | 19 | $ 4,155,000 | $ 218,000 | $ 65,000 |
| Johnston County North Carolina | 19 | $ 4,385,000 | $ 230,000 | $ 68,000 |
| Medina County Texas | 19 | $ 4,875,000 | $ 256,000 | $ 100,000 |
| Carroll County Georgia | 18 | $ 3,390,000 | $ 188,000 | $ 90,000 |
| Houston County Georgia | 18 | $ 4,940,000 | $ 274,000 | $ 82,000 |
| Alamance County North Carolina | 18 | $ 2,840,000 | $ 157,000 | $ 70,000 |
| Alexander County North Carolina | 18 | $ 3,490,000 | $ 193,000 | $ 75,000 |
| Davie County North Carolina | 17 | $ 4,495,000 | $ 264,000 | $ 104,000 |
| Iredell County North Carolina | 17 | $ 4,345,000 | $ 255,000 | $ 77,000 |
| Denver County Colorado | 16 | $ 5,360,000 | $ 335,000 | $ 122,000 |
| Escambia County Florida | 15 | $ 4,045,000 | $ 269,000 | $ 117,000 |
| Brunswick County North Carolina | 15 | $ 3,575,000 | $ 238,000 | $ 90,000 |
| Newton County Georgia | 14 | $ 2,190,000 | $ 156,000 | $ 46,000 |
| Durham County North Carolina | 14 | $ 3,030,000 | $ 216,000 | $ 69,000 |
| Rockwall County Texas | 14 | $ 3,930,000 | $ 280,000 | $ 175,000 |
| Bulloch County Georgia | 13 | $ 2,525,000 | $ 194,000 | $ 60,000 |
| Muscogee County Georgia | 13 | $ 2,905,000 | $ 223,000 | $ 79,000 |
| Cabarrus County North Carolina | 13 | $ 2,595,000 | $ 199,000 | $ 70,000 |
| Grady County Oklahoma | 13 | $ 2,645,000 | $ 203,000 | $ 84,000 |
| McClain County Oklahoma | 13 | $ 2,425,000 | $ 186,000 | $ 67,000 |
| Chambers County Texas | 13 | $ 3,535,000 | $ 271,000 | $ 123,000 |
| Comal County Texas | 13 | $ 3,145,000 | $ 241,000 | $ 105,000 |
| Etowah County Alabama | 12 | $ 2,510,000 | $ 209,000 | $ 76,000 |
| Russell County Alabama | 12 | $ 3,110,000 | $ 259,000 | $ 89,000 |
| Jefferson County Colorado | 12 | $ 4,180,000 | $ 348,000 | $ 111,000 |
| Lexington County South Carolina | 12 | $ 2,360,000 | $ 196,000 | $ 70,000 |
| Tom Green County Texas | 12 | $ 3,170,000 | $ 264,000 | $ 110,000 |
| Rockdale County Georgia | 11 | $ 1,865,000 | $ 169,000 | $ 49,000 |
| Stokes County North Carolina | 11 | $ 2,015,000 | $ 183,000 | $ 87,000 |
| Ellis County Texas | 11 | $ 2,805,000 | $ 255,000 | $ 121,000 |
| Guadalupe County Texas | 11 | $ 1,765,000 | $ 160,000 | $ 68,000 |
| Jefferson County Alabama | 10 | $ 1,320,000 | $ 132,000 | $ 102,000 |
| Douglas County Colorado | 10 | $ 3,670,000 | $ 367,000 | $ 110,000 |
| Barrow County Georgia | 10 | $ 1,840,000 | $ 184,000 | $ 70,000 |
| Lee County North Carolina | 10 | $ 1,750,000 | $ 175,000 | $ 39,000 |
| Fannin County Texas | 10 | $ 2,250,000 | $ 225,000 | $ 95,000 |
| Jackson County Georgia | 9 | $ 2,075,000 | $ 230,000 | $ 79,000 |
| Walton County Georgia | 9 | $ 1,885,000 | $ 209,000 | $ 101,000 |
| Rowan County North Carolina | 9 | $ 1,475,000 | $ 163,000 | $ 45,000 |
| Yadkin County North Carolina | 9 | $ 1,755,000 | $ 195,000 | $ 48,000 |
| Spartanburg County South Carolina | 9 | $ 2,045,000 | $ 227,000 | $ 94,000 |
| Bandera County Texas | 9 | $ 1,865,000 | $ 207,000 | $ 102,000 |
| Cooke County Texas | 9 | $ 1,565,000 | $ 173,000 | $ 75,000 |
| Wise County Texas | 9 | $ 1,665,000 | $ 185,000 | $ 88,000 |
| Baldwin County Alabama | 8 | $ 2,160,000 | $ 270,000 | $ 111,000 |
| Dawson County Georgia | 8 | $ 2,370,000 | $ 296,000 | $ 107,000 |
| Chester County South Carolina | 8 | $ 1,650,000 | $ 206,000 | $ 58,000 |
| Shelby County Alabama | 7 | $ 1,615,000 | $ 230,000 | $ 78,000 |
| Adams County Colorado | 7 | $ 1,855,000 | $ 265,000 | $ 102,000 |
| Murray County Georgia | 7 | $ 1,335,000 | $ 190,000 | $ 61,000 |
| Polk County Georgia | 7 | $ 1,125,000 | $ 160,000 | $ 80,000 |
| Franklin County North Carolina | 7 | $ 1,825,000 | $ 260,000 | $ 75,000 |
| Lincoln County North Carolina | 7 | $ 1,535,000 | $ 219,000 | $ 88,000 |
| Rockingham County North Carolina | 7 | $ 855,000 | $ 122,000 | $ 51,000 |
| Beaufort County South Carolina | 7 | $ 2,035,000 | $ 290,000 | $ 115,000 |
| Greenville County South Carolina | 7 | $ 2,255,000 | $ 322,000 | $ 142,000 |
| Giles County Tennessee | 7 | $ 945,000 | $ 135,000 | $ 71,000 |
| Lincoln County Tennessee | 7 | $ 1,605,000 | $ 229,000 | $ 67,000 |
| Kendall County Texas | 7 | $ 3,175,000 | $ 453,000 | $ 159,000 |
| Watauga County North Carolina | 6 | $ 2,200,000 | $ 366,000 | $ 388,000 |
| Wilkes County North Carolina | 6 | $ 930,000 | $ 155,000 | $ 62,000 |
| Lincoln County Oklahoma | 6 | $ 1,220,000 | $ 203,000 | $ 258,000 |
| Bell County Texas | 6 | $ 1,150,000 | $ 191,000 | $ 74,000 |
| Ector County Texas | 6 | $ 980,000 | $ 163,000 | $ 60,000 |
| Henderson County Texas | 6 | $ 1,050,000 | $ 175,000 | $ 97,000 |
| Hunt County Texas | 6 | $ 1,130,000 | $ 188,000 | $ 66,000 |
| Liberty County Texas | 6 | $ 1,300,000 | $ 216,000 | $ 60,000 |
| San Patricio County Texas | 6 | $ 1,380,000 | $ 230,000 | $ 66,000 |
| Waller County Texas | 6 | $ 2,080,000 | $ 346,000 | $ 151,000 |
| Wilson County Texas | 6 | $ 1,220,000 | $ 203,000 | $ 98,000 |
| Cullman County Alabama | 5 | $ 1,015,000 | $ 203,000 | $ 118,000 |
| Hillsborough County Florida | 5 | $ 1,285,000 | $ 257,000 | $ 195,000 |
| Columbia County Georgia | 5 | $ 1,565,000 | $ 313,000 | $ 99,000 |
| Ocean County New Jersey | 5 | $ 1,195,000 | $ 239,000 | $ 124,000 |
| Chatham County North Carolina | 5 | $ 1,675,000 | $ 335,000 | $ 114,000 |
| Pottawatomie County Oklahoma | 5 | $ 915,000 | $ 183,000 | $ 43,000 |
| Kershaw County South Carolina | 5 | $ 1,575,000 | $ 315,000 | $ 93,000 |
| Bastrop County Texas | 5 | $ 1,145,000 | $ 229,000 | $ 71,000 |
| Brazos County Texas | 5 | $ 1,195,000 | $ 239,000 | $ 43,000 |
| Kaufman County Texas | 5 | $ 1,045,000 | $ 209,000 | $ 105,000 |
| Polk County Texas | 5 | $ 1,025,000 | $ 205,000 | $ 190,000 |
| Blount County Alabama | 4 | $ 680,000 | $ 170,000 | $ 74,000 |
| Pike County Alabama | 4 | $ 380,000 | $ 95,000 | $ 43,000 |
| El Paso County Colorado | 4 | $ 1,070,000 | $ 267,000 | $ 128,000 |
| Pueblo County Colorado | 4 | $ 760,000 | $ 190,000 | $ 54,000 |
| Glynn County Georgia | 4 | $ 1,250,000 | $ 312,000 | $ 159,000 |
| Haralson County Georgia | 4 | $ 770,000 | $ 192,000 | $ 70,000 |
| Montgomery County North Carolina | 4 | $ 1,440,000 | $ 360,000 | $ 205,000 |
| Nash County North Carolina | 4 | $ 670,000 | $ 167,000 | $ 42,000 |
| Onslow County North Carolina | 4 | $ 430,000 | $ 107,000 | $ 49,000 |
| Marshall County Oklahoma | 4 | $ 790,000 | $ 197,000 | $ 302,000 |
| Fairfield County South Carolina | 4 | $ 1,080,000 | $ 270,000 | $ 142,000 |
| Hamilton County Tennessee | 4 | $ 960,000 | $ 240,000 | $ 105,000 |
| Williamson County Tennessee | 4 | $ 1,640,000 | $ 410,000 | $ 83,000 |
| Erath County Texas | 4 | $ 640,000 | $ 160,000 | $ 89,000 |
| Frio County Texas | 4 | $ 830,000 | $ 207,000 | $ 91,000 |
| Fairfax County Virginia | 4 | $ 3,050,000 | $ 762,000 | $ 177,000 |
| Butler County Alabama | 3 | $ 345,000 | $ 115,000 | $ 92,000 |
| Mobile County Alabama | 3 | $ 465,000 | $ 155,000 | $ 269,000 |
| St. Clair County Alabama | 3 | $ 545,000 | $ 181,000 | $ 78,000 |
| Winston County Alabama | 3 | $ 365,000 | $ 121,000 | $ 46,000 |
| Larimer County Colorado | 3 | $ 1,095,000 | $ 365,000 | $ 174,000 |
| Miami-Dade County Florida | 3 | $ 805,000 | $ 268,000 | $ 82,000 |
| Palm Beach County Florida | 3 | $ 995,000 | $ 331,000 | $ 93,000 |
| Bibb County Georgia | 3 | $ 505,000 | $ 168,000 | $ 76,000 |
| Dougherty County Georgia | 3 | $ 465,000 | $ 155,000 | $ 85,000 |
| Lumpkin County Georgia | 3 | $ 625,000 | $ 208,000 | $ 123,000 |
| Monroe County Georgia | 3 | $ 825,000 | $ 275,000 | $ 74,000 |
| Pickens County Georgia | 3 | $ 1,275,000 | $ 425,000 | $ 233,000 |
| Tattnall County Georgia | 3 | $ 355,000 | $ 118,000 | $ 44,000 |
| White County Georgia | 3 | $ 785,000 | $ 261,000 | $ 165,000 |
| Buncombe County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 186,000 |
| Carteret County North Carolina | 3 | $ 735,000 | $ 245,000 | $ 122,000 |
| Cleveland County North Carolina | 3 | $ 365,000 | $ 121,000 | $ 70,000 |
| Granville County North Carolina | 3 | $ 695,000 | $ 231,000 | $ 52,000 |
| New Hanover County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 92,000 |
| Pitt County North Carolina | 3 | $ 685,000 | $ 228,000 | $ 106,000 |
| Robeson County North Carolina | 3 | $ 575,000 | $ 191,000 | $ 34,000 |
| Caddo County Oklahoma | 3 | $ 375,000 | $ 125,000 | $ 53,000 |
| Payne County Oklahoma | 3 | $ 395,000 | $ 131,000 | $ 37,000 |
| Stephens County Oklahoma | 3 | $ 995,000 | $ 331,000 | $ 188,000 |
| Horry County South Carolina | 3 | $ 695,000 | $ 231,000 | $ 349,000 |
| Cherokee County Texas | 3 | $ 605,000 | $ 201,000 | $ 54,000 |
| Gregg County Texas | 3 | $ 385,000 | $ 128,000 | $ 57,000 |
| Hidalgo County Texas | 3 | $ 435,000 | $ 145,000 | $ 96,000 |
| Red River County Texas | 3 | $ 235,000 | $ 78,000 | $ 64,000 |
| San Jacinto County Texas | 3 | $ 785,000 | $ 261,000 | $ 175,000 |
| Wood County Texas | 3 | $ 325,000 | $ 108,000 | $ 52,000 |
| Cherokee County Alabama | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Dallas County Alabama | 2 | $ 210,000 | $ 105,000 | $ 24,000 |
| Lauderdale County Alabama | 2 | $ 530,000 | $ 265,000 | $ 113,000 |
| Marion County Alabama | 2 | $ 320,000 | $ 160,000 | $ 14,000 |
| Tallapoosa County Alabama | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Boulder County Colorado | 2 | $ 1,200,000 | $ 600,000 | $ 180,000 |
| Elbert County Colorado | 2 | $ 930,000 | $ 465,000 | $ 97,000 |
| Montrose County Colorado | 2 | $ 600,000 | $ 300,000 | $ 123,000 |
| Lee County Florida | 2 | $ 520,000 | $ 260,000 | $ 165,000 |
| Candler County Georgia | 2 | $ 380,000 | $ 190,000 | $ 103,000 |
| Clarke County Georgia | 2 | $ 190,000 | $ 95,000 | $ 112,000 |
| Elbert County Georgia | 2 | $ 160,000 | $ 80,000 | $ 113,000 |
| Evans County Georgia | 2 | $ 450,000 | $ 225,000 | $ 60,000 |
| Greene County Georgia | 2 | $ 820,000 | $ 410,000 | $ 237,000 |
| Jenkins County Georgia | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Lowndes County Georgia | 2 | $ 410,000 | $ 205,000 | $ 54,000 |
| Meriwether County Georgia | 2 | $ 310,000 | $ 155,000 | $ 35,000 |
| Stephens County Georgia | 2 | $ 530,000 | $ 265,000 | $ 217,000 |
| Toombs County Georgia | 2 | $ 250,000 | $ 125,000 | $ 115,000 |
| Troup County Georgia | 2 | $ 390,000 | $ 195,000 | $ 45,000 |
| Somerset County New Jersey | 2 | $ 670,000 | $ 335,000 | $ 131,000 |
| Dare County North Carolina | 2 | $ 610,000 | $ 305,000 | $ 307,000 |
| Henderson County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 132,000 |
| Hertford County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 54,000 |
| Scotland County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 57,000 |
| Stanly County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Wayne County North Carolina | 2 | $ 230,000 | $ 115,000 | $ 46,000 |
| Beckham County Oklahoma | 2 | $ 670,000 | $ 335,000 | $ 81,000 |
| Cherokee County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 144,000 |
| Choctaw County Oklahoma | 2 | $ 480,000 | $ 240,000 | $ 57,000 |
| Latimer County Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 56,000 |
| Aiken County South Carolina | 2 | $ 640,000 | $ 320,000 | $ 70,000 |
| Colleton County South Carolina | 2 | $ 360,000 | $ 180,000 | $ 49,000 |
| Laurens County South Carolina | 2 | $ 770,000 | $ 385,000 | $ 98,000 |
| Orangeburg County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 64,000 |
| Williamsburg County South Carolina | 2 | $ 60,000 | $ 30,000 | $ 27,000 |
| Rutherford County Tennessee | 2 | $ 780,000 | $ 390,000 | $ 135,000 |
| Sumner County Tennessee | 2 | $ 680,000 | $ 340,000 | $ 103,000 |
| Wilson County Tennessee | 2 | $ 1,070,000 | $ 535,000 | $ 79,000 |
| Calhoun County Texas | 2 | $ 550,000 | $ 275,000 | $ 208,000 |
| Grimes County Texas | 2 | $ 520,000 | $ 260,000 | $ 89,000 |
| Harrison County Texas | 2 | $ 290,000 | $ 145,000 | $ 61,000 |
| Jack County Texas | 2 | $ 120,000 | $ 60,000 | $ 79,000 |
| Jefferson County Texas | 2 | $ 410,000 | $ 205,000 | $ 32,000 |
| Jim Wells County Texas | 2 | $ 500,000 | $ 250,000 | $ 105,000 |
| Llano County Texas | 2 | $ 630,000 | $ 315,000 | $ 126,000 |
| McLennan County Texas | 2 | $ 650,000 | $ 325,000 | $ 149,000 |
| Montague County Texas | 2 | $ 460,000 | $ 230,000 | $ 97,000 |
| Robertson County Texas | 2 | $ 280,000 | $ 140,000 | $ 45,000 |
| Taylor County Texas | 2 | $ 410,000 | $ 205,000 | $ 105,000 |
| Van Zandt County Texas | 2 | $ 280,000 | $ 140,000 | $ 39,000 |
| Walker County Texas | 2 | $ 460,000 | $ 230,000 | $ 183,000 |
| Calhoun County Alabama | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Chilton County Alabama | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Coffee County Alabama | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Conecuh County Alabama | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Crenshaw County Alabama | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Houston County Alabama | 1 | $ 515,000 | $ 515,000 | $ 232,000 |
| Lowndes County Alabama | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Pickens County Alabama | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Talladega County Alabama | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Tuscaloosa County Alabama | 1 | $ 185,000 | $ 185,000 | $ 28,000 |
| Walker County Alabama | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Pulaski County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Garfield County Colorado | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Gilpin County Colorado | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Mesa County Colorado | 1 | $ 315,000 | $ 315,000 | $ 149,000 |
| Routt County Colorado | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
| Weld County Colorado | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Alachua County Florida | 1 | $ 115,000 | $ 115,000 | $ 247,000 |
| Bay County Florida | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Brevard County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Collier County Florida | 1 | $ 365,000 | $ 365,000 | $ 540,000 |
| Hernando County Florida | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Holmes County Florida | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Martin County Florida | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Nassau County Florida | 1 | $ 145,000 | $ 145,000 | $ 219,000 |
| Orange County Florida | 1 | $ 565,000 | $ 565,000 | $ 308,000 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Pinellas County Florida | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Polk County Florida | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| St. Johns County Florida | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Volusia County Florida | 1 | $ 435,000 | $ 435,000 | $ 186,000 |
| Washington County Florida | 1 | $ 235,000 | $ 235,000 | $ 160,000 |
| Baldwin County Georgia | 1 | $ 275,000 | $ 275,000 | $ 218,000 |
| Berrien County Georgia | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Chattooga County Georgia | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Fannin County Georgia | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Gilmer County Georgia | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Jasper County Georgia | 1 | $ 385,000 | $ 385,000 | $ 176,000 |
| Lamar County Georgia | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| Lanier County Georgia | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Laurens County Georgia | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Lee County Georgia | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Marion County Georgia | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Pike County Georgia | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Rabun County Georgia | 1 | $ 335,000 | $ 335,000 | $ 604,000 |
| Spalding County Georgia | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
| Sumter County Georgia | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Talbot County Georgia | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Tift County Georgia | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Treutlen County Georgia | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Upson County Georgia | 1 | $ 155,000 | $ 155,000 | $ 205,000 |
| Washington County Georgia | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Wayne County Georgia | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Whitfield County Georgia | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| East Baton Rouge County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Jefferson County Louisiana | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Lafayette County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Orleans County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Middlesex County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 127,000 |
| Monmouth County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Union County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 119,000 |
| Anson County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Beaufort County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Bladen County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Columbus County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Craven County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Halifax County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 46,000 |
| Haywood County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 159,000 |
| McDowell County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Pamlico County North Carolina | 1 | $ 475,000 | $ 475,000 | $ 85,000 |
| Pender County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Person County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Sampson County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Surry County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Wilson County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Delaware County Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 486,000 |
| Garfield County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Le Flore County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Muskogee County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Noble County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Pawnee County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Pittsburg County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Pontotoc County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Seminole County Oklahoma | 1 | $ 335,000 | $ 335,000 | $ 119,000 |
| Tulsa County Oklahoma | 1 | $ 675,000 | $ 675,000 | $ 132,000 |
| Anderson County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 147,000 |
| Chesterfield County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Georgetown County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Greenwood County South Carolina | 1 | $ 925,000 | $ 925,000 | $ 160,000 |
| Jasper County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 20,000 |
| Sumter County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Lewis County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Marion County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Maury County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 29,000 |
| Sevier County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Shelby County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Washington County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 229,000 |
| Angelina County Texas | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Austin County Texas | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Bee County Texas | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Caldwell County Texas | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Camp County Texas | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Cass County Texas | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Comanche County Texas | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Delta County Texas | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Dimmit County Texas | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Gonzales County Texas | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Hale County Texas | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Haskell County Texas | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Hill County Texas | 1 | $ 165,000 | $ 165,000 | $ 187,000 |
| Hopkins County Texas | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Kerr County Texas | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Kinney County Texas | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| La Salle County Texas | 1 | $ 335,000 | $ 335,000 | $ 113,000 |
| Lubbock County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Matagorda County Texas | 1 | $ 245,000 | $ 245,000 | $ 170,000 |
| Midland County Texas | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Moore County Texas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Navarro County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Orange County Texas | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Palo Pinto County Texas | 1 | $ 305,000 | $ 305,000 | $ 435,000 |
| Presidio County Texas | 1 | $ 335,000 | $ 335,000 | $ 3,699,000 |
| Randall County Texas | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| Rusk County Texas | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| San Augustine County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| San Saba County Texas | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Titus County Texas | 1 | $ 375,000 | $ 375,000 | $ 105,000 |
| Upton County Texas | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Uvalde County Texas | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Val Verde County Texas | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Washington County Texas | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Wharton County Texas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Chesapeake County Virginia | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
| Danville County Virginia | 1 | $ 415,000 | $ 415,000 | $ 260,000 |
| Fauquier County Virginia | 1 | $ 385,000 | $ 385,000 | $ 132,000 |
| Frederick County Virginia | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Loudoun County Virginia | 1 | $ 305,000 | $ 305,000 | $ 240,000 |
| Louisa County Virginia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Patrick County Virginia | 1 | $ 115,000 | $ 115,000 | $ 177,000 |
| Roanoke County Virginia | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Roanoke City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Spotsylvania County Virginia | 1 | $ 375,000 | $ 375,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Certainty Home Loans, Llc in 2020
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 | 6,712 | $1,519,250,000 | $226,000 | $1,535,000 | $92,000 | $4,703,000 |
| Refinancing | 2,732 | $690,710,000 | $252,000 | $1,455,000 | $109,000 | $2,880,000 |
| Cash-out Refinancing | 820 | $192,710,000 | $235,000 | $1,005,000 | $113,000 | $1,908,000 |
| Home Improvement | 10 | $1,790,000 | $179,000 | $295,000 | $111,000 | $360,000 |
| 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 | 6,543 | $1,564,435,000 | $239,000 | $1,535,000 | $102,000 | $3,699,000 |
| Not Provided | 1,397 | $335,275,000 | $239,000 | $1,455,000 | $99,000 | $2,418,000 |
| Black or African American | 1,079 | $237,005,000 | $219,000 | $1,005,000 | $80,000 | $4,703,000 |
| Hispanic | 909 | $180,445,000 | $198,000 | $905,000 | $77,000 | $850,000 |
| Asian | 220 | $56,500,000 | $256,000 | $795,000 | $137,000 | $2,880,000 |
| American Indian or Alaskan Native | 47 | $8,675,000 | $184,000 | $345,000 | $76,000 | $435,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $3,055,000 | $277,000 | $415,000 | $98,000 | $162,000 |
| 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) | 6,237 | $1,488,785,000 | $238,000 | $1,535,000 | $116,000 | $4,703,000 |
| FHA-insured (Federal Housing Administration) | 1,908 | $371,820,000 | $194,000 | $575,000 | $69,000 | $2,418,000 |
| VA-guaranteed (Veterans Administration) | 1,770 | $485,320,000 | $274,000 | $1,355,000 | $75,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 359 | $58,535,000 | $163,000 | $665,000 | $52,000 | $850,000 |
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 | 7,518 | $1,766,150,000 | $234,000 | $1,505,000 | $94,000 | $4,703,000 |
| Application Withdrawn By Applicant | 1,677 | $400,905,000 | $239,000 | $1,535,000 | $117,000 | $3,699,000 |
| Application Denied By Financial Institution | 1,022 | $224,550,000 | $219,000 | $1,505,000 | $93,000 | $2,880,000 |
| Application Approved But Not Accepted | 56 | $12,680,000 | $226,000 | $595,000 | $107,000 | $514,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $74,000 | $74,000 |
| 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 | 9,252 | $2,179,910,000 | $235,000 | $1,535,000 | $99,000 | $4,703,000 |
| Unverifiable Information | 334 | $72,750,000 | $217,000 | $685,000 | $88,000 | $1,517,000 |
| Credit Application Incomplete | 262 | $60,560,000 | $231,000 | $985,000 | $106,000 | $1,200,000 |
| Debt-To-Income Ratio | 126 | $28,610,000 | $227,000 | $1,505,000 | $68,000 | $1,180,000 |
| Credit History | 104 | $19,600,000 | $188,000 | $645,000 | $101,000 | $2,880,000 |
| Collateral | 87 | $17,635,000 | $202,000 | $445,000 | $88,000 | $261,000 |
| Other | 48 | $11,210,000 | $233,000 | $1,105,000 | $120,000 | $1,222,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $11,015,000 | $268,000 | $945,000 | $123,000 | $590,000 |
| Employment History | 20 | $3,170,000 | $158,000 | $335,000 | $37,000 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Certainty Home Loans, Llc's 2020 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.