Certainty Home Loans, LLC Mortgage Lending & HMDA Data, 2021
In 2021, Certainty Home Loans, LLC of Wilmington, DE reported 9,651 mortgage applications totaling $2.4 billion, down 6% from 2020. The average application was for $243,650, and applicants reported an average income of $100,894. 73% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,243), Charlotte-Concord-Gastonia, NC-SC (787) and Houston-The Woodlands-Sugar Land, TX (616) (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 | 9,651 |
| Total Mortgage Loan Application Amount | $2,351,475,000 |
| Average Mortgage Loan Application Amount | $243,650 |
| Highest Mortgage Loan Application Amount | $1,795,000 |
| Average Applicant Income | $100,894 |
| Highest Applicant Income | $8,766,000 |
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records Certainty Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| El Paso, Texas | 439 | $ 82,555,000 | $ 188,052 | $ 67,000 |
| Madison, Alabama | 392 | $ 91,390,000 | $ 233,137 | $ 122,000 |
| Cumberland, North Carolina | 355 | $ 53,325,000 | $ 150,211 | $ 64,000 |
| Harris, Texas | 330 | $ 84,240,000 | $ 255,272 | $ 128,000 |
| Mecklenburg, North Carolina | 321 | $ 91,485,000 | $ 285,000 | $ 113,000 |
| Chatham, Georgia | 293 | $ 71,145,000 | $ 242,815 | $ 116,000 |
| Okaloosa, Florida | 273 | $ 87,895,000 | $ 321,959 | $ 90,000 |
| Cobb, Georgia | 273 | $ 86,825,000 | $ 318,040 | $ 125,000 |
| Caldwell, North Carolina | 233 | $ 34,085,000 | $ 146,287 | $ 58,000 |
| Fulton, Georgia | 224 | $ 69,840,000 | $ 311,785 | $ 129,000 |
| Oklahoma, Oklahoma | 206 | $ 47,910,000 | $ 232,572 | $ 111,000 |
| Guilford, North Carolina | 181 | $ 41,915,000 | $ 231,574 | $ 96,000 |
| Grayson, Texas | 170 | $ 37,000,000 | $ 217,647 | $ 92,000 |
| York, South Carolina | 168 | $ 44,300,000 | $ 263,690 | $ 106,000 |
| Marshall, Alabama | 164 | $ 34,980,000 | $ 213,292 | $ 82,000 |
| Tarrant, Texas | 156 | $ 37,620,000 | $ 241,153 | $ 121,000 |
| Davidson, North Carolina | 144 | $ 31,770,000 | $ 220,625 | $ 75,000 |
| Bexar, Texas | 142 | $ 32,200,000 | $ 226,760 | $ 97,000 |
| Forsyth, North Carolina | 133 | $ 26,415,000 | $ 198,609 | $ 74,000 |
| Gwinnett, Georgia | 128 | $ 36,270,000 | $ 283,359 | $ 108,000 |
| Montgomery, Alabama | 126 | $ 22,700,000 | $ 180,158 | $ 77,000 |
| Paulding, Georgia | 125 | $ 34,245,000 | $ 273,960 | $ 93,000 |
| Galveston, Texas | 119 | $ 34,505,000 | $ 289,957 | $ 145,000 |
| Union, North Carolina | 104 | $ 29,910,000 | $ 287,596 | $ 117,000 |
| Denton, Texas | 104 | $ 34,940,000 | $ 335,961 | $ 223,000 |
| Travis, Texas | 102 | $ 34,890,000 | $ 342,058 | $ 166,000 |
| DeKalb, Georgia | 101 | $ 30,425,000 | $ 301,237 | $ 116,000 |
| Jackson, Alabama | 98 | $ 20,080,000 | $ 204,897 | $ 76,000 |
| Berkeley, South Carolina | 94 | $ 30,810,000 | $ 327,765 | $ 109,000 |
| Fort Bend, Texas | 84 | $ 22,370,000 | $ 266,309 | $ 143,000 |
| Richland, South Carolina | 82 | $ 14,570,000 | $ 177,682 | $ 64,000 |
| Bryan, Georgia | 79 | $ 20,815,000 | $ 263,481 | $ 88,000 |
| Hoke, North Carolina | 74 | $ 14,570,000 | $ 196,891 | $ 69,000 |
| Smith, Texas | 72 | $ 16,220,000 | $ 225,277 | $ 123,000 |
| Santa Rosa, Florida | 66 | $ 20,220,000 | $ 306,363 | $ 90,000 |
| Collin, Texas | 66 | $ 18,890,000 | $ 286,212 | $ 160,000 |
| Cherokee, Georgia | 64 | $ 20,430,000 | $ 319,218 | $ 108,000 |
| Effingham, Georgia | 64 | $ 14,720,000 | $ 230,000 | $ 83,000 |
| Catawba, North Carolina | 64 | $ 11,920,000 | $ 186,250 | $ 71,000 |
| Cleveland, Oklahoma | 64 | $ 12,860,000 | $ 200,937 | $ 87,000 |
| Limestone, Alabama | 63 | $ 16,305,000 | $ 258,809 | $ 98,000 |
| Nueces, Texas | 58 | $ 12,350,000 | $ 212,931 | $ 91,000 |
| Lamar, Texas | 55 | $ 9,235,000 | $ 167,909 | $ 66,000 |
| Bartow, Georgia | 53 | $ 12,795,000 | $ 241,415 | $ 97,000 |
| Elmore, Alabama | 51 | $ 10,125,000 | $ 198,529 | $ 87,000 |
| Coweta, Georgia | 51 | $ 15,615,000 | $ 306,176 | $ 111,000 |
| Canadian, Oklahoma | 51 | $ 9,275,000 | $ 181,862 | $ 84,000 |
| Harris, Georgia | 50 | $ 16,920,000 | $ 338,400 | $ 90,000 |
| Cabarrus, North Carolina | 50 | $ 13,170,000 | $ 263,400 | $ 94,000 |
| Midland, Texas | 50 | $ 11,110,000 | $ 222,200 | $ 83,000 |
| Muscogee, Georgia | 47 | $ 9,725,000 | $ 206,914 | $ 71,000 |
| Forsyth, Georgia | 45 | $ 15,095,000 | $ 335,444 | $ 126,000 |
| Dorchester, South Carolina | 44 | $ 11,630,000 | $ 264,318 | $ 97,000 |
| Gaston, North Carolina | 43 | $ 7,955,000 | $ 185,000 | $ 76,000 |
| Gordon, Georgia | 42 | $ 9,010,000 | $ 214,523 | $ 76,000 |
| Charleston, South Carolina | 42 | $ 13,120,000 | $ 312,380 | $ 97,000 |
| DeKalb, Alabama | 41 | $ 6,545,000 | $ 159,634 | $ 59,000 |
| Liberty, Georgia | 41 | $ 7,695,000 | $ 187,682 | $ 67,000 |
| Lancaster, South Carolina | 41 | $ 12,365,000 | $ 301,585 | $ 91,000 |
| Burke, North Carolina | 40 | $ 6,370,000 | $ 159,250 | $ 63,000 |
| Randolph, North Carolina | 40 | $ 7,650,000 | $ 191,250 | $ 110,000 |
| Dallas, Texas | 40 | $ 10,900,000 | $ 272,500 | $ 135,000 |
| Wake, North Carolina | 38 | $ 11,580,000 | $ 304,736 | $ 194,000 |
| Ector, Texas | 38 | $ 7,330,000 | $ 192,894 | $ 78,000 |
| Hillsborough, Florida | 37 | $ 10,995,000 | $ 297,162 | $ 130,000 |
| Floyd, Georgia | 34 | $ 7,720,000 | $ 227,058 | $ 69,000 |
| Brazoria, Texas | 32 | $ 8,700,000 | $ 271,875 | $ 110,000 |
| Lee, Alabama | 31 | $ 7,295,000 | $ 235,322 | $ 78,000 |
| Arapahoe, Colorado | 31 | $ 8,275,000 | $ 266,935 | $ 85,000 |
| Walton, Florida | 31 | $ 9,135,000 | $ 294,677 | $ 91,000 |
| Harnett, North Carolina | 31 | $ 7,345,000 | $ 236,935 | $ 75,000 |
| Williamson, Texas | 31 | $ 9,595,000 | $ 309,516 | $ 185,000 |
| Dona Ana, New Mexico | 30 | $ 7,200,000 | $ 240,000 | $ 88,000 |
| Bay, Florida | 27 | $ 5,525,000 | $ 204,629 | $ 62,000 |
| Moore, North Carolina | 27 | $ 6,615,000 | $ 245,000 | $ 81,000 |
| Montgomery, Texas | 27 | $ 7,465,000 | $ 276,481 | $ 133,000 |
| Parker, Texas | 27 | $ 6,115,000 | $ 226,481 | $ 104,000 |
| Russell, Alabama | 26 | $ 6,070,000 | $ 233,461 | $ 69,000 |
| Douglas, Georgia | 26 | $ 6,960,000 | $ 267,692 | $ 77,000 |
| Long, Georgia | 26 | $ 5,600,000 | $ 215,384 | $ 55,000 |
| Logan, Oklahoma | 26 | $ 6,660,000 | $ 256,153 | $ 119,000 |
| Pasco, Florida | 25 | $ 7,275,000 | $ 291,000 | $ 110,000 |
| Hays, Texas | 25 | $ 6,945,000 | $ 277,800 | $ 120,000 |
| Houston, Georgia | 22 | $ 5,730,000 | $ 260,454 | $ 77,000 |
| Brunswick, North Carolina | 22 | $ 5,790,000 | $ 263,181 | $ 125,000 |
| Rowan, North Carolina | 22 | $ 4,150,000 | $ 188,636 | $ 79,000 |
| Lee, North Carolina | 21 | $ 3,375,000 | $ 160,714 | $ 56,000 |
| Lexington, South Carolina | 21 | $ 3,215,000 | $ 153,095 | $ 67,000 |
| Hood, Texas | 21 | $ 5,475,000 | $ 260,714 | $ 109,000 |
| Barrow, Georgia | 20 | $ 4,020,000 | $ 201,000 | $ 65,000 |
| Johnston, North Carolina | 20 | $ 5,110,000 | $ 255,500 | $ 76,000 |
| Autauga, Alabama | 19 | $ 4,065,000 | $ 213,947 | $ 103,000 |
| Clayton, Georgia | 19 | $ 3,785,000 | $ 199,210 | $ 77,000 |
| Duval, Florida | 18 | $ 4,270,000 | $ 237,222 | $ 66,000 |
| Hall, Georgia | 18 | $ 5,120,000 | $ 284,444 | $ 144,000 |
| Henry, Georgia | 18 | $ 4,850,000 | $ 269,444 | $ 200,000 |
| Carroll, Georgia | 17 | $ 4,275,000 | $ 251,470 | $ 121,000 |
| Grady, Oklahoma | 17 | $ 3,385,000 | $ 199,117 | $ 76,000 |
| Johnson, Texas | 17 | $ 4,315,000 | $ 253,823 | $ 118,000 |
| Morgan, Alabama | 16 | $ 2,580,000 | $ 161,250 | $ 70,000 |
| Columbia, Georgia | 16 | $ 4,150,000 | $ 259,375 | $ 80,000 |
| Walton, Georgia | 16 | $ 4,020,000 | $ 251,250 | $ 76,000 |
| McClain, Oklahoma | 16 | $ 3,540,000 | $ 221,250 | $ 94,000 |
| Escambia, Florida | 15 | $ 4,175,000 | $ 278,333 | $ 76,000 |
| Fayette, Georgia | 15 | $ 5,795,000 | $ 386,333 | $ 170,000 |
| Jackson, Georgia | 15 | $ 4,875,000 | $ 325,000 | $ 105,000 |
| Newton, Georgia | 15 | $ 2,435,000 | $ 162,333 | $ 58,000 |
| Miami-Dade, Florida | 14 | $ 4,650,000 | $ 332,142 | $ 107,000 |
| Alexander, North Carolina | 14 | $ 3,100,000 | $ 221,428 | $ 73,000 |
| Lincoln, North Carolina | 14 | $ 3,440,000 | $ 245,714 | $ 86,000 |
| Guadalupe, Texas | 14 | $ 4,070,000 | $ 290,714 | $ 95,000 |
| Iredell, North Carolina | 13 | $ 3,545,000 | $ 272,692 | $ 110,000 |
| Chambers, Texas | 13 | $ 3,595,000 | $ 276,538 | $ 131,000 |
| Comal, Texas | 13 | $ 5,605,000 | $ 431,153 | $ 149,000 |
| Rockdale, Georgia | 12 | $ 2,370,000 | $ 197,500 | $ 71,000 |
| Rockingham, North Carolina | 12 | $ 1,780,000 | $ 148,333 | $ 49,000 |
| Horry, South Carolina | 12 | $ 2,950,000 | $ 245,833 | $ 168,000 |
| Fannin, Texas | 12 | $ 2,090,000 | $ 174,166 | $ 90,000 |
| Etowah, Alabama | 11 | $ 2,525,000 | $ 229,545 | $ 79,000 |
| Hunt, Texas | 11 | $ 2,175,000 | $ 197,727 | $ 93,000 |
| San Patricio, Texas | 11 | $ 2,065,000 | $ 187,727 | $ 90,000 |
| Tom Green, Texas | 11 | $ 2,415,000 | $ 219,545 | $ 83,000 |
| Jefferson, Alabama | 10 | $ 1,400,000 | $ 140,000 | $ 66,000 |
| Polk, Georgia | 10 | $ 2,320,000 | $ 232,000 | $ 77,000 |
| Whitfield, Georgia | 10 | $ 1,690,000 | $ 169,000 | $ 50,000 |
| Alamance, North Carolina | 10 | $ 2,310,000 | $ 231,000 | $ 85,000 |
| Robeson, North Carolina | 10 | $ 1,130,000 | $ 113,000 | $ 53,000 |
| Aransas, Texas | 10 | $ 1,900,000 | $ 190,000 | $ 143,000 |
| Bandera, Texas | 10 | $ 2,400,000 | $ 240,000 | $ 83,000 |
| Mobile, Alabama | 9 | $ 1,335,000 | $ 148,333 | $ 105,000 |
| Denver, Colorado | 9 | $ 3,015,000 | $ 335,000 | $ 143,000 |
| Jefferson, Colorado | 9 | $ 3,715,000 | $ 412,777 | $ 146,000 |
| Bulloch, Georgia | 9 | $ 1,925,000 | $ 213,888 | $ 88,000 |
| Durham, North Carolina | 9 | $ 2,635,000 | $ 292,777 | $ 99,000 |
| Stanly, North Carolina | 9 | $ 1,785,000 | $ 198,333 | $ 98,000 |
| Beaufort, South Carolina | 9 | $ 2,315,000 | $ 257,222 | $ 112,000 |
| Chester, South Carolina | 9 | $ 1,555,000 | $ 172,777 | $ 63,000 |
| Greenville, South Carolina | 9 | $ 2,735,000 | $ 303,888 | $ 194,000 |
| Ellis, Texas | 9 | $ 2,995,000 | $ 332,777 | $ 168,000 |
| Douglas, Colorado | 8 | $ 2,850,000 | $ 356,250 | $ 125,000 |
| Murray, Georgia | 8 | $ 1,390,000 | $ 173,750 | $ 73,000 |
| Davie, North Carolina | 8 | $ 1,720,000 | $ 215,000 | $ 88,000 |
| Pottawatomie, Oklahoma | 8 | $ 1,630,000 | $ 203,750 | $ 66,000 |
| Chesterfield, Virginia | 8 | $ 1,970,000 | $ 246,250 | $ 96,000 |
| Cullman, Alabama | 7 | $ 1,655,000 | $ 236,428 | $ 85,000 |
| St. Clair, Alabama | 7 | $ 1,085,000 | $ 155,000 | $ 51,000 |
| Broward, Florida | 7 | $ 1,895,000 | $ 270,714 | $ 132,000 |
| Pickens, Georgia | 7 | $ 2,445,000 | $ 349,285 | $ 172,000 |
| Cleveland, North Carolina | 7 | $ 1,495,000 | $ 213,571 | $ 55,000 |
| Cooke, Texas | 7 | $ 1,085,000 | $ 155,000 | $ 58,000 |
| Kaufman, Texas | 7 | $ 1,495,000 | $ 213,571 | $ 94,000 |
| Liberty, Texas | 7 | $ 1,125,000 | $ 160,714 | $ 78,000 |
| Medina, Texas | 7 | $ 3,255,000 | $ 465,000 | $ 119,000 |
| Wilson, Texas | 7 | $ 2,545,000 | $ 363,571 | $ 80,000 |
| Blount, Alabama | 6 | $ 1,370,000 | $ 228,333 | $ 83,000 |
| Adams, Colorado | 6 | $ 1,850,000 | $ 308,333 | $ 73,000 |
| Lincoln, New Mexico | 6 | $ 1,450,000 | $ 241,666 | $ 109,000 |
| Buncombe, North Carolina | 6 | $ 1,660,000 | $ 276,666 | $ 82,000 |
| Craven, North Carolina | 6 | $ 1,730,000 | $ 288,333 | $ 117,000 |
| Stokes, North Carolina | 6 | $ 1,510,000 | $ 251,666 | $ 64,000 |
| Fairfield, South Carolina | 6 | $ 1,170,000 | $ 195,000 | $ 88,000 |
| Davidson, Tennessee | 6 | $ 1,450,000 | $ 241,666 | $ 77,000 |
| Lincoln, Tennessee | 6 | $ 1,170,000 | $ 195,000 | $ 69,000 |
| Bastrop, Texas | 6 | $ 1,580,000 | $ 263,333 | $ 124,000 |
| Cherokee, Texas | 6 | $ 1,330,000 | $ 221,666 | $ 89,000 |
| Henderson, Texas | 6 | $ 1,370,000 | $ 228,333 | $ 108,000 |
| Red River, Texas | 6 | $ 630,000 | $ 105,000 | $ 43,000 |
| Henrico, Virginia | 6 | $ 1,310,000 | $ 218,333 | $ 110,000 |
| Calhoun, Alabama | 5 | $ 935,000 | $ 187,000 | $ 66,000 |
| Crenshaw, Alabama | 5 | $ 515,000 | $ 103,000 | $ 43,000 |
| Lauderdale, Alabama | 5 | $ 1,165,000 | $ 233,000 | $ 126,000 |
| Shelby, Alabama | 5 | $ 2,715,000 | $ 543,000 | $ 171,000 |
| Pueblo, Colorado | 5 | $ 695,000 | $ 139,000 | $ 42,000 |
| Palm Beach, Florida | 5 | $ 2,175,000 | $ 435,000 | $ 161,000 |
| Sarasota, Florida | 5 | $ 2,005,000 | $ 401,000 | $ 160,000 |
| St. Johns, Florida | 5 | $ 1,965,000 | $ 393,000 | $ 121,000 |
| Bibb, Georgia | 5 | $ 1,195,000 | $ 239,000 | $ 58,000 |
| Monroe, Georgia | 5 | $ 1,635,000 | $ 327,000 | $ 126,000 |
| Oakland, Michigan | 5 | $ 2,335,000 | $ 467,000 | $ 229,000 |
| Sampson, North Carolina | 5 | $ 585,000 | $ 117,000 | $ 51,000 |
| Yadkin, North Carolina | 5 | $ 1,075,000 | $ 215,000 | $ 96,000 |
| Lincoln, Oklahoma | 5 | $ 765,000 | $ 153,000 | $ 77,000 |
| Kershaw, South Carolina | 5 | $ 1,045,000 | $ 209,000 | $ 59,000 |
| Sumter, South Carolina | 5 | $ 685,000 | $ 137,000 | $ 54,000 |
| Atascosa, Texas | 5 | $ 1,045,000 | $ 209,000 | $ 82,000 |
| Frio, Texas | 5 | $ 865,000 | $ 173,000 | $ 120,000 |
| Rockwall, Texas | 5 | $ 1,275,000 | $ 255,000 | $ 141,000 |
| Val Verde, Texas | 5 | $ 1,325,000 | $ 265,000 | $ 87,000 |
| Baldwin, Alabama | 4 | $ 1,290,000 | $ 322,500 | $ 87,000 |
| Dallas, Alabama | 4 | $ 360,000 | $ 90,000 | $ 46,000 |
| Lawrence, Alabama | 4 | $ 860,000 | $ 215,000 | $ 52,000 |
| Brevard, Florida | 4 | $ 1,620,000 | $ 405,000 | $ 108,000 |
| Pinellas, Florida | 4 | $ 910,000 | $ 227,500 | $ 59,000 |
| Volusia, Florida | 4 | $ 780,000 | $ 195,000 | $ 123,000 |
| Catoosa, Georgia | 4 | $ 1,060,000 | $ 265,000 | $ 67,000 |
| Spalding, Georgia | 4 | $ 530,000 | $ 132,500 | $ 34,000 |
| Cook, Illinois | 4 | $ 1,280,000 | $ 320,000 | $ 146,000 |
| Lake, Illinois | 4 | $ 1,330,000 | $ 332,500 | $ 116,000 |
| Orange, North Carolina | 4 | $ 690,000 | $ 172,500 | $ 83,000 |
| Wayne, North Carolina | 4 | $ 330,000 | $ 82,500 | $ 42,000 |
| Bryan, Oklahoma | 4 | $ 790,000 | $ 197,500 | $ 58,000 |
| Aiken, South Carolina | 4 | $ 1,380,000 | $ 345,000 | $ 99,000 |
| Jasper, South Carolina | 4 | $ 1,260,000 | $ 315,000 | $ 90,000 |
| Erath, Texas | 4 | $ 660,000 | $ 165,000 | $ 66,000 |
| Gregg, Texas | 4 | $ 760,000 | $ 190,000 | $ 54,000 |
| Jim Wells, Texas | 4 | $ 780,000 | $ 195,000 | $ 242,000 |
| Kleberg, Texas | 4 | $ 700,000 | $ 175,000 | $ 50,000 |
| Morris, Texas | 4 | $ 180,000 | $ 45,000 | $ 31,000 |
| Waller, Texas | 4 | $ 1,260,000 | $ 315,000 | $ 142,000 |
| Wise, Texas | 4 | $ 1,620,000 | $ 405,000 | $ 149,000 |
| Lancaster, Virginia | 4 | $ 940,000 | $ 235,000 | $ 86,000 |
| Flagler, Florida | 3 | $ 3,255,000 | $ 1,085,000 | $ 549,000 |
| Holmes, Florida | 3 | $ 545,000 | $ 181,666 | $ 40,000 |
| Monroe, Florida | 3 | $ 915,000 | $ 305,000 | $ 114,000 |
| Orange, Florida | 3 | $ 485,000 | $ 161,666 | $ 64,000 |
| Washington, Florida | 3 | $ 625,000 | $ 208,333 | $ 56,000 |
| Butts, Georgia | 3 | $ 745,000 | $ 248,333 | $ 70,000 |
| Chattooga, Georgia | 3 | $ 485,000 | $ 161,666 | $ 42,000 |
| Fannin, Georgia | 3 | $ 1,395,000 | $ 465,000 | $ 224,000 |
| Gilmer, Georgia | 3 | $ 505,000 | $ 168,333 | $ 49,000 |
| Glynn, Georgia | 3 | $ 725,000 | $ 241,666 | $ 225,000 |
| Haralson, Georgia | 3 | $ 385,000 | $ 128,333 | $ 54,000 |
| Stephens, Georgia | 3 | $ 1,525,000 | $ 508,333 | $ 417,000 |
| McDowell, North Carolina | 3 | $ 385,000 | $ 128,333 | $ 49,000 |
| New Hanover, North Carolina | 3 | $ 745,000 | $ 248,333 | $ 126,000 |
| Rutherford, North Carolina | 3 | $ 285,000 | $ 95,000 | $ 48,000 |
| Edgefield, South Carolina | 3 | $ 315,000 | $ 105,000 | $ 34,000 |
| Florence, South Carolina | 3 | $ 425,000 | $ 141,666 | $ 46,000 |
| Giles, Tennessee | 3 | $ 425,000 | $ 141,666 | $ 39,000 |
| Hamilton, Tennessee | 3 | $ 555,000 | $ 185,000 | $ 190,000 |
| Brazos, Texas | 3 | $ 565,000 | $ 188,333 | $ 138,000 |
| Gillespie, Texas | 3 | $ 1,145,000 | $ 381,666 | $ 161,000 |
| Kendall, Texas | 3 | $ 2,675,000 | $ 891,666 | $ 276,000 |
| Matagorda, Texas | 3 | $ 1,155,000 | $ 385,000 | $ 665,000 |
| Orange, Texas | 3 | $ 995,000 | $ 331,666 | $ 110,000 |
| Palo Pinto, Texas | 3 | $ 415,000 | $ 138,333 | $ 47,000 |
| Upshur, Texas | 3 | $ 895,000 | $ 298,333 | $ 112,000 |
| Richmond City, Virginia | 3 | $ 875,000 | $ 291,666 | $ 204,000 |
| Chilton, Alabama | 2 | $ 400,000 | $ 200,000 | $ 54,000 |
| Pickens, Alabama | 2 | $ 240,000 | $ 120,000 | $ 84,000 |
| Pike, Alabama | 2 | $ 270,000 | $ 135,000 | $ 68,000 |
| Tuscaloosa, Alabama | 2 | $ 350,000 | $ 175,000 | $ 75,000 |
| Walker, Alabama | 2 | $ 340,000 | $ 170,000 | $ 57,000 |
| Custer, Colorado | 2 | $ 370,000 | $ 185,000 | $ 55,000 |
| Montrose, Colorado | 2 | $ 510,000 | $ 255,000 | $ 77,000 |
| Weld, Colorado | 2 | $ 710,000 | $ 355,000 | $ 80,000 |
| Collier, Florida | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Franklin, Florida | 2 | $ 1,070,000 | $ 535,000 | $ 219,000 |
| Gadsden, Florida | 2 | $ 240,000 | $ 120,000 | $ 25,000 |
| Indian River, Florida | 2 | $ 370,000 | $ 185,000 | $ 41,000 |
| Jefferson, Florida | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| Lee, Florida | 2 | $ 1,130,000 | $ 565,000 | $ 248,000 |
| Leon, Florida | 2 | $ 670,000 | $ 335,000 | $ 106,000 |
| Marion, Florida | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| St. Lucie, Florida | 2 | $ 590,000 | $ 295,000 | $ 71,000 |
| Baldwin, Georgia | 2 | $ 1,350,000 | $ 675,000 | $ 328,000 |
| Clarke, Georgia | 2 | $ 430,000 | $ 215,000 | $ 94,000 |
| Oconee, Georgia | 2 | $ 710,000 | $ 355,000 | $ 112,000 |
| Richmond, Georgia | 2 | $ 260,000 | $ 130,000 | $ 31,000 |
| Screven, Georgia | 2 | $ 150,000 | $ 75,000 | $ 44,000 |
| Toombs, Georgia | 2 | $ 870,000 | $ 435,000 | $ 140,000 |
| Upson, Georgia | 2 | $ 300,000 | $ 150,000 | $ 35,000 |
| White, Georgia | 2 | $ 570,000 | $ 285,000 | $ 130,000 |
| Wilkinson, Georgia | 2 | $ 160,000 | $ 80,000 | $ 17,000 |
| St. Tammany, Louisiana | 2 | $ 340,000 | $ 170,000 | $ 157,000 |
| Lenawee, Michigan | 2 | $ 450,000 | $ 225,000 | $ 49,000 |
| Anson, North Carolina | 2 | $ 270,000 | $ 135,000 | $ 64,000 |
| Chatham, North Carolina | 2 | $ 390,000 | $ 195,000 | $ 135,000 |
| Duplin, North Carolina | 2 | $ 240,000 | $ 120,000 | $ 59,000 |
| Nash, North Carolina | 2 | $ 330,000 | $ 165,000 | $ 87,000 |
| Onslow, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 82,000 |
| Pitt, North Carolina | 2 | $ 80,000 | $ 40,000 | $ 32,000 |
| Richmond, North Carolina | 2 | $ 280,000 | $ 140,000 | $ 45,000 |
| Scotland, North Carolina | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Transylvania, North Carolina | 2 | $ 620,000 | $ 310,000 | $ 135,000 |
| Watauga, North Carolina | 2 | $ 490,000 | $ 245,000 | $ 67,000 |
| Caddo, Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 1,080,000 |
| Marshall, Oklahoma | 2 | $ 280,000 | $ 140,000 | $ 83,000 |
| Pushmataha, Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 93,000 |
| Stephens, Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Tulsa, Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 99,000 |
| Georgetown, South Carolina | 2 | $ 410,000 | $ 205,000 | $ 127,000 |
| Spartanburg, South Carolina | 2 | $ 560,000 | $ 280,000 | $ 197,000 |
| Montgomery, Tennessee | 2 | $ 750,000 | $ 375,000 | $ 64,000 |
| Rutherford, Tennessee | 2 | $ 780,000 | $ 390,000 | $ 72,000 |
| Wilson, Tennessee | 2 | $ 960,000 | $ 480,000 | $ 75,000 |
| Burnet, Texas | 2 | $ 640,000 | $ 320,000 | $ 105,000 |
| Cass, Texas | 2 | $ 350,000 | $ 175,000 | $ 58,000 |
| Colorado, Texas | 2 | $ 670,000 | $ 335,000 | $ 110,000 |
| Dawson, Texas | 2 | $ 140,000 | $ 70,000 | $ 62,000 |
| Franklin, Texas | 2 | $ 270,000 | $ 135,000 | $ 416,000 |
| Freestone, Texas | 2 | $ 360,000 | $ 180,000 | $ 128,000 |
| Hidalgo, Texas | 2 | $ 350,000 | $ 175,000 | $ 54,000 |
| Jasper, Texas | 2 | $ 160,000 | $ 80,000 | $ 64,000 |
| Newton, Texas | 2 | $ 230,000 | $ 115,000 | $ 43,000 |
| Panola, Texas | 2 | $ 250,000 | $ 125,000 | $ 51,000 |
| San Jacinto, Texas | 2 | $ 410,000 | $ 205,000 | $ 101,000 |
| Taylor, Texas | 2 | $ 410,000 | $ 205,000 | $ 147,000 |
| Walker, Texas | 2 | $ 750,000 | $ 375,000 | $ 216,000 |
| Wichita, Texas | 2 | $ 160,000 | $ 80,000 | $ 85,000 |
| Wood, Texas | 2 | $ 640,000 | $ 320,000 | $ 148,000 |
| Hanover, Virginia | 2 | $ 480,000 | $ 240,000 | $ 87,000 |
| Prince William, Virginia | 2 | $ 920,000 | $ 460,000 | $ 182,000 |
| Butler, Alabama | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Cherokee, Alabama | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Conecuh, Alabama | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Dale, Alabama | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Escambia, Alabama | 1 | $ 425,000 | $ 425,000 | $ 145,000 |
| Franklin, Alabama | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Geneva, Alabama | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Macon, Alabama | 1 | $ 255,000 | $ 255,000 | $ 43,000 |
| Talladega, Alabama | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Winston, Alabama | 1 | $ 315,000 | $ 315,000 | $ 31,000 |
| Benton, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Garland, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Perry, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Washington, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Boulder, Colorado | 1 | $ 595,000 | $ 595,000 | $ 163,000 |
| El Paso, Colorado | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Elbert, Colorado | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| Grand, Colorado | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Mesa, Colorado | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Summit, Colorado | 1 | $ 175,000 | $ 175,000 | $ 212,000 |
| Alachua, Florida | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Charlotte, Florida | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Clay, Florida | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Hernando, Florida | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Jackson, Florida | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Lake, Florida | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Manatee, Florida | 1 | $ 165,000 | $ 165,000 | $ 256,000 |
| Polk, Florida | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Putnam, Florida | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Taylor, Florida | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Banks, Georgia | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Bleckley, Georgia | 1 | $ 145,000 | $ 145,000 | $ 165,000 |
| Coffee, Georgia | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Dawson, Georgia | 1 | $ 715,000 | $ 715,000 | $ 295,000 |
| Dougherty, Georgia | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Habersham, Georgia | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Hart, Georgia | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Jasper, Georgia | 1 | $ 375,000 | $ 375,000 | $ 796,000 |
| Laurens, Georgia | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Lumpkin, Georgia | 1 | $ 335,000 | $ 335,000 | $ 152,000 |
| Marion, Georgia | 1 | $ 315,000 | $ 315,000 | $ 59,000 |
| Meriwether, Georgia | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Morgan, Georgia | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Pierce, Georgia | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
| Tattnall, Georgia | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Tift, Georgia | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Towns, Georgia | 1 | $ 265,000 | $ 265,000 | $ 316,000 |
| Walker, Georgia | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Wayne, Georgia | 1 | $ 225,000 | $ 225,000 | $ 47,000 |
| St. Helena, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Charles, Maryland | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Wayne, Michigan | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Otero, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Santa Fe, New Mexico | 1 | $ 545,000 | $ 545,000 | $ 184,000 |
| Alleghany, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 237,000 |
| Avery, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Bladen, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Carteret, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Columbus, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Edgecombe, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Franklin, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 38,000 |
| Graham, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Haywood, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 139,000 |
| Jackson, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Lenoir, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Mitchell, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 337,000 |
| Pasquotank, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 107,000 |
| Surry, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Warren, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Wilkes, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 127,000 |
| Carter, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Creek, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Custer, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 46,000 |
| Delaware, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Garfield, Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Garvin, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Kay, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Kingfisher, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| Latimer, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Love, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| McCurtain, Oklahoma | 1 | $ 545,000 | $ 545,000 | $ 207,000 |
| McIntosh, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Pawnee, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Payne, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 195,000 |
| Pittsburg, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Anderson, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Cherokee, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Chesterfield, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Colleton, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Hardin, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Houston, Tennessee | 1 | $ 565,000 | $ 565,000 | $ 112,000 |
| Knox, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Williamson, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 205,000 |
| Anderson, Texas | 1 | $ 545,000 | $ 545,000 | $ 86,000 |
| Angelina, Texas | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Archer, Texas | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Bell, Texas | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Blanco, Texas | 1 | $ 475,000 | $ 475,000 | $ 125,000 |
| Bosque, Texas | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Burleson, Texas | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Camp, Texas | 1 | $ 335,000 | $ 335,000 | $ 98,000 |
| Coryell, Texas | 1 | $ 295,000 | $ 295,000 | $ 48,000 |
| Fayette, Texas | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Howard, Texas | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Irion, Texas | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Jackson, Texas | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Jefferson, Texas | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| Kerr, Texas | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Live Oak, Texas | 1 | $ 295,000 | $ 295,000 | $ 107,000 |
| Lubbock, Texas | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Martin, Texas | 1 | $ 315,000 | $ 315,000 | $ 217,000 |
| McLennan, Texas | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Milam, Texas | 1 | $ 85,000 | $ 85,000 | $ 343,000 |
| Montague, Texas | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Nacogdoches, Texas | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Navarro, Texas | 1 | $ 285,000 | $ 285,000 | $ 136,000 |
| Real, Texas | 1 | $ 395,000 | $ 395,000 | $ 80,000 |
| Refugio, Texas | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Stephens, Texas | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Trinity, Texas | 1 | $ 125,000 | $ 125,000 | $ 199,000 |
| Uvalde, Texas | 1 | $ 365,000 | $ 365,000 | $ 81,000 |
| Van Zandt, Texas | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Washington, Texas | 1 | $ 475,000 | $ 475,000 | $ 239,000 |
| Wharton, Texas | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
| Chesapeake, Virginia | 1 | $ 195,000 | $ 195,000 | $ 236,000 |
| Fluvanna, Virginia | 1 | $ 175,000 | $ 175,000 | $ 123,000 |
| Gloucester, Virginia | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| New Kent, Virginia | 1 | $ 325,000 | $ 325,000 | $ 78,000 |
| Northumberland, Virginia | 1 | $ 425,000 | $ 425,000 | $ 198,000 |
| Spotsylvania, Virginia | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Certainty Home Loans, LLC in 2021
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 | 6,934 | $1,715,030,000 | $247,000 | $1,795,000 | $96,000 | $8,766,000 |
| Refinancing | 1,672 | $392,060,000 | $234,000 | $1,395,000 | $113,000 | $2,088,000 |
| Cash-out Refinancing | 1,045 | $244,385,000 | $233,000 | $955,000 | $114,000 | $1,832,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5,724 | $1,429,040,000 | $249,000 | $1,795,000 | $107,000 | $8,766,000 |
| Not Provided | 1,511 | $370,945,000 | $245,000 | $1,125,000 | $98,000 | $4,350,000 |
| Black or African American | 1,142 | $257,270,000 | $225,000 | $785,000 | $85,000 | $5,494,000 |
| Hispanic | 953 | $206,625,000 | $216,000 | $1,165,000 | $79,000 | $942,000 |
| Asian | 201 | $55,625,000 | $276,000 | $675,000 | $124,000 | $875,000 |
| American Indian or Alaskan Native | 45 | $11,205,000 | $249,000 | $545,000 | $139,000 | $1,832,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,805,000 | $215,000 | $365,000 | $70,000 | $116,000 |
| Not applicable | 2 | $270,000 | $135,000 | $145,000 | $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) | 6,119 | $1,486,995,000 | $243,000 | $1,425,000 | $114,000 | $8,766,000 |
| FHA-insured (Federal Housing Administration) | 1,660 | $351,900,000 | $211,000 | $525,000 | $74,000 | $5,417,000 |
| VA-guaranteed (Veterans Administration) | 1,582 | $459,390,000 | $290,000 | $1,795,000 | $89,000 | $5,494,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 290 | $53,190,000 | $183,000 | $345,000 | $53,000 | $96,000 |
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 | 7,037 | $1,720,005,000 | $244,000 | $1,795,000 | $101,000 | $8,766,000 |
| Application Withdrawn By Applicant | 1,736 | $430,240,000 | $247,000 | $1,395,000 | $108,000 | $2,088,000 |
| Application Denied By Financial Institution | 827 | $189,425,000 | $229,000 | $1,405,000 | $89,000 | $1,011,000 |
| Application Approved But Not Accepted | 45 | $10,755,000 | $239,000 | $575,000 | $86,000 | $240,000 |
| File Closed For Incompleteness | 4 | $780,000 | $195,000 | $255,000 | $66,000 | $99,000 |
| Loan Purchased By The Institution | 2 | $270,000 | $135,000 | $145,000 | $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 | 8,824 | $2,162,050,000 | $245,000 | $1,795,000 | $102,000 | $8,766,000 |
| Unverifiable Information | 281 | $69,695,000 | $248,000 | $785,000 | $91,000 | $652,000 |
| Credit Application Incomplete | 150 | $35,730,000 | $238,000 | $755,000 | $105,000 | $416,000 |
| Collateral | 139 | $31,315,000 | $225,000 | $565,000 | $79,000 | $324,000 |
| Credit History | 104 | $19,950,000 | $191,000 | $825,000 | $90,000 | $768,000 |
| Debt-To-Income Ratio | 78 | $18,740,000 | $240,000 | $1,405,000 | $71,000 | $1,011,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $8,875,000 | $216,000 | $545,000 | $90,000 | $443,000 |
| Other | 24 | $3,660,000 | $152,000 | $355,000 | $89,000 | $600,000 |
| Employment History | 9 | $1,315,000 | $146,000 | $255,000 | $29,000 | $128,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $39,000 | $39,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Certainty Home Loans, LLC's 2021 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.
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