Certainty Home Loans, LLC Mortgage Lending & HMDA Data, 2022

In 2022, Certainty Home Loans, LLC of Wilmington, DE reported 5,442 mortgage applications totaling $1.5 billion, down 44% from 2021. The average application was for $275,014, and applicants reported an average income of $108,720. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (699), Houston-The Woodlands-Sugar Land, TX (356) and Savannah, GA (330) (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 5,442
Total Mortgage Loan Application Amount $1,496,630,000
Average Mortgage Loan Application Amount $275,014
Highest Mortgage Loan Application Amount $1,885,000
Average Applicant Income $108,720
Highest Applicant Income $5,027,000

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records Certainty Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Certainty Home Loans, LLC by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Chatham, Georgia 238 $ 67,270,000 $ 282,647 $ 110,000
Madison, Alabama 231 $ 68,745,000 $ 297,597 $ 121,000
Cumberland, North Carolina 219 $ 37,445,000 $ 170,981 $ 74,000
Cobb, Georgia 191 $ 69,145,000 $ 362,015 $ 132,000
Harris, Texas 172 $ 46,980,000 $ 273,139 $ 137,000
El Paso, Texas 156 $ 31,430,000 $ 201,474 $ 76,000
Ector, Texas 153 $ 24,885,000 $ 162,647 $ 77,000
Okaloosa, Florida 128 $ 45,810,000 $ 357,890 $ 113,000
Marshall, Alabama 123 $ 32,085,000 $ 260,853 $ 91,000
Bexar, Texas 109 $ 26,465,000 $ 242,798 $ 108,000
Midland, Texas 100 $ 21,880,000 $ 218,800 $ 98,000
Oklahoma, Oklahoma 98 $ 21,840,000 $ 222,857 $ 114,000
Grayson, Texas 97 $ 23,165,000 $ 238,814 $ 105,000
Forsyth, North Carolina 96 $ 23,620,000 $ 246,041 $ 109,000
Guilford, North Carolina 90 $ 25,290,000 $ 281,000 $ 107,000
Fulton, Georgia 88 $ 29,130,000 $ 331,022 $ 124,000
Prince George's, Maryland 85 $ 25,995,000 $ 305,823 $ 128,000
Paulding, Georgia 79 $ 27,145,000 $ 343,607 $ 110,000
Fort Bend, Texas 73 $ 23,225,000 $ 318,150 $ 138,000
Tarrant, Texas 71 $ 24,425,000 $ 344,014 $ 147,000
Berkeley, South Carolina 68 $ 26,000,000 $ 382,352 $ 117,000
Jackson, Alabama 62 $ 14,020,000 $ 226,129 $ 84,000
Muscogee, Georgia 62 $ 17,430,000 $ 281,129 $ 93,000
Galveston, Texas 58 $ 18,160,000 $ 313,103 $ 144,000
DeKalb, Georgia 56 $ 17,630,000 $ 314,821 $ 107,000
Limestone, Alabama 55 $ 15,495,000 $ 281,727 $ 105,000
Gwinnett, Georgia 54 $ 15,820,000 $ 292,962 $ 126,000
Denton, Texas 53 $ 23,175,000 $ 437,264 $ 188,000
Richland, South Carolina 52 $ 10,500,000 $ 201,923 $ 75,000
Montgomery, Alabama 51 $ 8,055,000 $ 157,941 $ 77,000
Bryan, Georgia 51 $ 15,355,000 $ 301,078 $ 148,000
Cleveland, Oklahoma 47 $ 10,475,000 $ 222,872 $ 97,000
Lamar, Texas 46 $ 7,600,000 $ 165,217 $ 178,000
Santa Rosa, Florida 45 $ 14,225,000 $ 316,111 $ 102,000
Bartow, Georgia 43 $ 14,155,000 $ 329,186 $ 101,000
Cherokee, Georgia 41 $ 16,885,000 $ 411,829 $ 139,000
Effingham, Georgia 41 $ 11,385,000 $ 277,682 $ 105,000
Davidson, North Carolina 39 $ 10,245,000 $ 262,692 $ 100,000
Gordon, Georgia 35 $ 8,065,000 $ 230,428 $ 83,000
Mecklenburg, North Carolina 35 $ 11,355,000 $ 324,428 $ 126,000
Travis, Texas 34 $ 14,730,000 $ 433,235 $ 200,000
Duval, Florida 32 $ 7,800,000 $ 243,750 $ 96,000
Hoke, North Carolina 32 $ 7,520,000 $ 235,000 $ 75,000
Nueces, Texas 32 $ 7,750,000 $ 242,187 $ 99,000
Smith, Texas 32 $ 7,980,000 $ 249,375 $ 108,000
Floyd, Georgia 31 $ 7,205,000 $ 232,419 $ 71,000
Harris, Georgia 29 $ 11,545,000 $ 398,103 $ 139,000
Morgan, Alabama 28 $ 7,330,000 $ 261,785 $ 87,000
DeKalb, Alabama 25 $ 5,465,000 $ 218,600 $ 86,000
Dallas, Texas 25 $ 8,305,000 $ 332,200 $ 140,000
Dona Ana, New Mexico 24 $ 5,070,000 $ 211,250 $ 65,000
Dorchester, South Carolina 24 $ 8,160,000 $ 340,000 $ 102,000
Henry, Georgia 23 $ 7,495,000 $ 325,869 $ 116,000
Forsyth, Georgia 22 $ 10,780,000 $ 490,000 $ 145,000
Liberty, Georgia 21 $ 4,505,000 $ 214,523 $ 81,000
Baltimore City, Maryland 21 $ 2,955,000 $ 140,714 $ 121,000
Harnett, North Carolina 21 $ 5,645,000 $ 268,809 $ 87,000
Canadian, Oklahoma 21 $ 5,695,000 $ 271,190 $ 97,000
Charleston, South Carolina 21 $ 7,465,000 $ 355,476 $ 117,000
Collin, Texas 21 $ 8,155,000 $ 388,333 $ 165,000
Montgomery, Texas 20 $ 6,500,000 $ 325,000 $ 136,000
Douglas, Georgia 19 $ 6,355,000 $ 334,473 $ 95,000
Houston, Georgia 19 $ 5,435,000 $ 286,052 $ 81,000
Brazoria, Texas 19 $ 6,665,000 $ 350,789 $ 131,000
Fannin, Texas 17 $ 2,615,000 $ 153,823 $ 80,000
Carroll, Georgia 16 $ 3,490,000 $ 218,125 $ 73,000
Hall, Georgia 16 $ 5,470,000 $ 341,875 $ 121,000
Randolph, North Carolina 16 $ 3,820,000 $ 238,750 $ 75,000
York, South Carolina 16 $ 4,580,000 $ 286,250 $ 117,000
Volusia, Florida 15 $ 3,445,000 $ 229,666 $ 100,000
Walton, Florida 15 $ 3,985,000 $ 265,666 $ 84,000
Coweta, Georgia 15 $ 6,585,000 $ 439,000 $ 118,000
Charles, Maryland 15 $ 4,975,000 $ 331,666 $ 117,000
Comal, Texas 15 $ 7,145,000 $ 476,333 $ 155,000
Elmore, Alabama 14 $ 3,000,000 $ 214,285 $ 68,000
Lee, Alabama 14 $ 3,230,000 $ 230,714 $ 85,000
Bay, Florida 14 $ 3,420,000 $ 244,285 $ 94,000
Columbia, Georgia 14 $ 5,780,000 $ 412,857 $ 127,000
Fayette, Georgia 14 $ 5,890,000 $ 420,714 $ 122,000
Henrico, Virginia 14 $ 3,820,000 $ 272,857 $ 96,000
Hillsborough, Florida 13 $ 5,065,000 $ 389,615 $ 152,000
Lee, North Carolina 12 $ 2,150,000 $ 179,166 $ 65,000
Medina, Texas 12 $ 4,620,000 $ 385,000 $ 142,000
Etowah, Alabama 11 $ 2,745,000 $ 249,545 $ 77,000
Jackson, Georgia 11 $ 3,345,000 $ 304,090 $ 104,000
Brunswick, North Carolina 11 $ 2,525,000 $ 229,545 $ 83,000
Lexington, South Carolina 11 $ 2,125,000 $ 193,181 $ 70,000
Johnson, Texas 11 $ 3,895,000 $ 354,090 $ 158,000
Williamson, Texas 11 $ 3,905,000 $ 355,000 $ 171,000
Cabarrus, North Carolina 10 $ 2,630,000 $ 263,000 $ 107,000
Union, North Carolina 10 $ 2,640,000 $ 264,000 $ 83,000
Pueblo, Colorado 9 $ 1,985,000 $ 220,555 $ 82,000
St. Lucie, Florida 9 $ 1,505,000 $ 167,222 $ 58,000
Davie, North Carolina 9 $ 2,035,000 $ 226,111 $ 84,000
Gaston, North Carolina 9 $ 2,055,000 $ 228,333 $ 75,000
Rowan, North Carolina 9 $ 2,005,000 $ 222,777 $ 87,000
Grady, Oklahoma 9 $ 1,705,000 $ 189,444 $ 59,000
Logan, Oklahoma 9 $ 2,345,000 $ 260,555 $ 97,000
Lancaster, South Carolina 9 $ 1,875,000 $ 208,333 $ 86,000
Guadalupe, Texas 9 $ 3,015,000 $ 335,000 $ 104,000
Parker, Texas 9 $ 4,385,000 $ 487,222 $ 237,000
Russell, Alabama 8 $ 1,990,000 $ 248,750 $ 73,000
Escambia, Florida 8 $ 1,610,000 $ 201,250 $ 90,000
Clayton, Georgia 8 $ 1,560,000 $ 195,000 $ 93,000
Polk, Georgia 8 $ 1,390,000 $ 173,750 $ 67,000
Stokes, North Carolina 8 $ 1,570,000 $ 196,250 $ 59,000
Yadkin, North Carolina 8 $ 1,320,000 $ 165,000 $ 63,000
Pottawatomie, Oklahoma 8 $ 1,410,000 $ 176,250 $ 89,000
Baldwin, Alabama 7 $ 3,085,000 $ 440,714 $ 215,000
Arapahoe, Colorado 7 $ 3,105,000 $ 443,571 $ 109,000
District of Columbia, District Of Columbia 7 $ 1,345,000 $ 192,142 $ 130,000
Pinellas, Florida 7 $ 1,595,000 $ 227,857 $ 66,000
Bulloch, Georgia 7 $ 1,665,000 $ 237,857 $ 92,000
Habersham, Georgia 7 $ 1,795,000 $ 256,428 $ 69,000
Montgomery, Maryland 7 $ 1,545,000 $ 220,714 $ 121,000
Comanche, Oklahoma 7 $ 935,000 $ 133,571 $ 52,000
McClain, Oklahoma 7 $ 1,855,000 $ 265,000 $ 99,000
Kershaw, South Carolina 7 $ 2,435,000 $ 347,857 $ 102,000
Aransas, Texas 7 $ 1,625,000 $ 232,142 $ 85,000
San Patricio, Texas 7 $ 1,915,000 $ 273,571 $ 107,000
Nassau, Florida 6 $ 2,210,000 $ 368,333 $ 95,000
St. Johns, Florida 6 $ 2,220,000 $ 370,000 $ 110,000
Rockdale, Georgia 6 $ 1,960,000 $ 326,666 $ 96,000
Orleans, Louisiana 6 $ 1,880,000 $ 313,333 $ 140,000
Robeson, North Carolina 6 $ 580,000 $ 96,666 $ 61,000
Rockingham, North Carolina 6 $ 1,130,000 $ 188,333 $ 73,000
Wake, North Carolina 6 $ 2,240,000 $ 373,333 $ 107,000
Franklin, Ohio 6 $ 1,120,000 $ 186,666 $ 106,000
Horry, South Carolina 6 $ 1,650,000 $ 275,000 $ 98,000
Lincoln, Tennessee 6 $ 2,190,000 $ 365,000 $ 175,000
Montgomery, Tennessee 6 $ 1,230,000 $ 205,000 $ 90,000
Bandera, Texas 6 $ 1,960,000 $ 326,666 $ 121,000
Jefferson, Texas 6 $ 1,770,000 $ 295,000 $ 92,000
Kaufman, Texas 6 $ 1,630,000 $ 271,666 $ 103,000
Liberty, Texas 6 $ 620,000 $ 103,333 $ 59,000
Red River, Texas 6 $ 730,000 $ 121,666 $ 46,000
Chesterfield, Virginia 6 $ 2,000,000 $ 333,333 $ 130,000
Richmond City, Virginia 6 $ 2,460,000 $ 410,000 $ 169,000
Autauga, Alabama 5 $ 925,000 $ 185,000 $ 113,000
Jefferson, Alabama 5 $ 1,345,000 $ 269,000 $ 132,000
El Paso, Colorado 5 $ 1,715,000 $ 343,000 $ 105,000
Orange, Florida 5 $ 945,000 $ 189,000 $ 127,000
Seminole, Florida 5 $ 1,475,000 $ 295,000 $ 108,000
Haralson, Georgia 5 $ 1,325,000 $ 265,000 $ 85,000
Long, Georgia 5 $ 1,255,000 $ 251,000 $ 74,000
Anne Arundel, Maryland 5 $ 1,375,000 $ 275,000 $ 163,000
Alamance, North Carolina 5 $ 935,000 $ 187,000 $ 65,000
Caldwell, North Carolina 5 $ 655,000 $ 131,000 $ 37,000
Moore, North Carolina 5 $ 1,075,000 $ 215,000 $ 93,000
Bryan, Oklahoma 5 $ 925,000 $ 185,000 $ 58,000
Lincoln, Oklahoma 5 $ 665,000 $ 133,000 $ 46,000
Bastrop, Texas 5 $ 1,235,000 $ 247,000 $ 115,000
Bell, Texas 5 $ 1,015,000 $ 203,000 $ 183,000
Ellis, Texas 5 $ 2,085,000 $ 417,000 $ 112,000
Kerr, Texas 5 $ 1,815,000 $ 363,000 $ 110,000
Polk, Texas 5 $ 805,000 $ 161,000 $ 77,000
Hanover, Virginia 5 $ 2,085,000 $ 417,000 $ 107,000
Blount, Alabama 4 $ 1,040,000 $ 260,000 $ 113,000
Cullman, Alabama 4 $ 710,000 $ 177,500 $ 106,000
Dallas, Alabama 4 $ 420,000 $ 105,000 $ 55,000
Brevard, Florida 4 $ 1,210,000 $ 302,500 $ 78,000
Broward, Florida 4 $ 1,070,000 $ 267,500 $ 161,000
Lee, Florida 4 $ 1,670,000 $ 417,500 $ 359,000
Pasco, Florida 4 $ 1,420,000 $ 355,000 $ 115,000
Barrow, Georgia 4 $ 1,050,000 $ 262,500 $ 82,000
Newton, Georgia 4 $ 1,410,000 $ 352,500 $ 124,000
Walton, Georgia 4 $ 1,370,000 $ 342,500 $ 76,000
Jefferson, Louisiana 4 $ 830,000 $ 207,500 $ 104,000
St. Mary's, Maryland 4 $ 900,000 $ 225,000 $ 63,000
Iredell, North Carolina 4 $ 1,240,000 $ 310,000 $ 66,000
Lincoln, North Carolina 4 $ 1,460,000 $ 365,000 $ 113,000
Fairfield, South Carolina 4 $ 970,000 $ 242,500 $ 60,000
Jasper, South Carolina 4 $ 500,000 $ 125,000 $ 40,000
Chambers, Texas 4 $ 1,410,000 $ 352,500 $ 164,000
Cooke, Texas 4 $ 1,700,000 $ 425,000 $ 147,000
Delta, Texas 4 $ 700,000 $ 175,000 $ 42,000
Frio, Texas 4 $ 940,000 $ 235,000 $ 92,000
Hays, Texas 4 $ 1,450,000 $ 362,500 $ 124,000
Hunt, Texas 4 $ 570,000 $ 142,500 $ 59,000
Tom Green, Texas 4 $ 1,130,000 $ 282,500 $ 130,000
Northumberland, Virginia 4 $ 1,750,000 $ 437,500 $ 146,000
Calhoun, Alabama 3 $ 845,000 $ 281,666 $ 187,000
Lauderdale, Alabama 3 $ 595,000 $ 198,333 $ 62,000
Mobile, Alabama 3 $ 715,000 $ 238,333 $ 80,000
Fremont, Colorado 3 $ 695,000 $ 231,666 $ 104,000
Crisp, Georgia 3 $ 1,015,000 $ 338,333 $ 89,000
Dougherty, Georgia 3 $ 575,000 $ 191,666 $ 63,000
Gilmer, Georgia 3 $ 1,275,000 $ 425,000 $ 171,000
Murray, Georgia 3 $ 625,000 $ 208,333 $ 52,000
Pickens, Georgia 3 $ 675,000 $ 225,000 $ 85,000
Putnam, Georgia 3 $ 915,000 $ 305,000 $ 123,000
Baltimore, Maryland 3 $ 545,000 $ 181,666 $ 55,000
Wayne, Michigan 3 $ 225,000 $ 75,000 $ 50,000
Catawba, North Carolina 3 $ 855,000 $ 285,000 $ 90,000
Columbus, North Carolina 3 $ 355,000 $ 118,333 $ 49,000
Wayne, North Carolina 3 $ 405,000 $ 135,000 $ 67,000
Stephens, Oklahoma 3 $ 335,000 $ 111,666 $ 84,000
Colleton, South Carolina 3 $ 1,395,000 $ 465,000 $ 193,000
Greenville, South Carolina 3 $ 775,000 $ 258,333 $ 145,000
Davidson, Tennessee 3 $ 1,105,000 $ 368,333 $ 77,000
Gregg, Texas 3 $ 1,355,000 $ 451,666 $ 90,000
Henderson, Texas 3 $ 765,000 $ 255,000 $ 126,000
Palo Pinto, Texas 3 $ 965,000 $ 321,666 $ 121,000
Wise, Texas 3 $ 1,085,000 $ 361,666 $ 84,000
Chambers, Alabama 2 $ 450,000 $ 225,000 $ 91,000
Coffee, Alabama 2 $ 690,000 $ 345,000 $ 107,000
Covington, Alabama 2 $ 360,000 $ 180,000 $ 114,000
Tallapoosa, Alabama 2 $ 340,000 $ 170,000 $ 60,000
Tuscaloosa, Alabama 2 $ 400,000 $ 200,000 $ 67,000
Walker, Alabama 2 $ 150,000 $ 75,000 $ 46,000
Jefferson, Colorado 2 $ 900,000 $ 450,000 $ 192,000
Highlands, Florida 2 $ 530,000 $ 265,000 $ 220,000
Indian River, Florida 2 $ 190,000 $ 95,000 $ 52,000
Lake, Florida 2 $ 230,000 $ 115,000 $ 77,000
Palm Beach, Florida 2 $ 840,000 $ 420,000 $ 145,000
Polk, Florida 2 $ 680,000 $ 340,000 $ 129,000
Sarasota, Florida 2 $ 760,000 $ 380,000 $ 82,000
Bibb, Georgia 2 $ 480,000 $ 240,000 $ 311,000
Burke, Georgia 2 $ 330,000 $ 165,000 $ 49,000
Catoosa, Georgia 2 $ 540,000 $ 270,000 $ 82,000
Fannin, Georgia 2 $ 680,000 $ 340,000 $ 173,000
Monroe, Georgia 2 $ 440,000 $ 220,000 $ 57,000
Spalding, Georgia 2 $ 380,000 $ 190,000 $ 58,000
Stephens, Georgia 2 $ 530,000 $ 265,000 $ 251,000
White, Georgia 2 $ 610,000 $ 305,000 $ 175,000
Whitfield, Georgia 2 $ 420,000 $ 210,000 $ 95,000
Calcasieu, Louisiana 2 $ 770,000 $ 385,000 $ 204,000
Plaquemines, Louisiana 2 $ 290,000 $ 145,000 $ 101,000
St. Bernard, Louisiana 2 $ 530,000 $ 265,000 $ 125,000
Carroll, Maryland 2 $ 380,000 $ 190,000 $ 101,000
Washington, Maryland 2 $ 270,000 $ 135,000 $ 93,000
Otero, New Mexico 2 $ 390,000 $ 195,000 $ 162,000
Buncombe, North Carolina 2 $ 530,000 $ 265,000 $ 81,000
Chatham, North Carolina 2 $ 540,000 $ 270,000 $ 119,000
Durham, North Carolina 2 $ 530,000 $ 265,000 $ 68,000
Pender, North Carolina 2 $ 620,000 $ 310,000 $ 179,000
Richmond, North Carolina 2 $ 130,000 $ 65,000 $ 51,000
Sampson, North Carolina 2 $ 470,000 $ 235,000 $ 88,000
Stanly, North Carolina 2 $ 130,000 $ 65,000 $ 82,000
Beckham, Oklahoma 2 $ 340,000 $ 170,000 $ 62,000
Carter, Oklahoma 2 $ 570,000 $ 285,000 $ 78,000
Custer, Oklahoma 2 $ 370,000 $ 185,000 $ 70,000
Tulsa, Oklahoma 2 $ 390,000 $ 195,000 $ 63,000
Wagoner, Oklahoma 2 $ 450,000 $ 225,000 $ 78,000
Calhoun, South Carolina 2 $ 1,000,000 $ 500,000 $ 92,000
Dillon, South Carolina 2 $ 140,000 $ 70,000 $ 53,000
Hampton, South Carolina 2 $ 390,000 $ 195,000 $ 54,000
Spartanburg, South Carolina 2 $ 460,000 $ 230,000 $ 77,000
Sumter, South Carolina 2 $ 570,000 $ 285,000 $ 172,000
Sumner, Tennessee 2 $ 350,000 $ 175,000 $ 66,000
Austin, Texas 2 $ 670,000 $ 335,000 $ 196,000
Bowie, Texas 2 $ 1,240,000 $ 620,000 $ 265,000
Calhoun, Texas 2 $ 440,000 $ 220,000 $ 77,000
Cameron, Texas 2 $ 550,000 $ 275,000 $ 226,000
Gaines, Texas 2 $ 160,000 $ 80,000 $ 55,000
Gillespie, Texas 2 $ 580,000 $ 290,000 $ 28,000
Hardin, Texas 2 $ 550,000 $ 275,000 $ 110,000
Hood, Texas 2 $ 520,000 $ 260,000 $ 64,000
Martin, Texas 2 $ 670,000 $ 335,000 $ 160,000
Nacogdoches, Texas 2 $ 350,000 $ 175,000 $ 110,000
Navarro, Texas 2 $ 450,000 $ 225,000 $ 90,000
Rockwall, Texas 2 $ 440,000 $ 220,000 $ 112,000
Taylor, Texas 2 $ 570,000 $ 285,000 $ 60,000
Walker, Texas 2 $ 450,000 $ 225,000 $ 117,000
Waller, Texas 2 $ 640,000 $ 320,000 $ 85,000
Washington, Texas 2 $ 650,000 $ 325,000 $ 135,000
Wood, Texas 2 $ 360,000 $ 180,000 $ 144,000
Young, Texas 2 $ 470,000 $ 235,000 $ 65,000
Colonial Heights, Virginia 2 $ 470,000 $ 235,000 $ 91,000
Lancaster, Virginia 2 $ 360,000 $ 180,000 $ 81,000
Butler, Alabama 1 $ 105,000 $ 105,000 $ 59,000
Cherokee, Alabama 1 $ 255,000 $ 255,000 $ 96,000
Cleburne, Alabama 1 $ 125,000 $ 125,000 $ 51,000
Colbert, Alabama 1 $ 325,000 $ 325,000 $ 88,000
Coosa, Alabama 1 $ 225,000 $ 225,000 $ 67,000
Geneva, Alabama 1 $ 175,000 $ 175,000 $ 64,000
Lawrence, Alabama 1 $ 155,000 $ 155,000 $ 76,000
Lowndes, Alabama 1 $ 185,000 $ 185,000 $ 73,000
Monroe, Alabama 1 $ 205,000 $ 205,000 $ 101,000
Randolph, Alabama 1 $ 285,000 $ 285,000 $ 78,000
Talladega, Alabama 1 $ 215,000 $ 215,000 $ 61,000
Lonoke, Arkansas 1 $ 115,000 $ 115,000 $ 39,000
Custer, Colorado 1 $ 865,000 $ 865,000 $ 450,000
Douglas, Colorado 1 $ 455,000 $ 455,000 $ 98,000
Huerfano, Colorado 1 $ 235,000 $ 235,000 $ 56,000
Las Animas, Colorado 1 $ 465,000 $ 465,000 $ 136,000
Montezuma, Colorado 1 $ 245,000 $ 245,000 $ 203,000
Teller, Colorado 1 $ 645,000 $ 645,000 $ 95,000
Weld, Colorado 1 $ 535,000 $ 535,000 $ 218,000
Citrus, Florida 1 $ 155,000 $ 155,000 $ 28,000
Clay, Florida 1 $ 195,000 $ 195,000 $ 58,000
Collier, Florida 1 $ 535,000 $ 535,000 $ 130,000
Flagler, Florida 1 $ 365,000 $ 365,000 $ 69,000
Holmes, Florida 1 $ 105,000 $ 105,000 $ 56,000
Jackson, Florida 1 $ 165,000 $ 165,000 $ 49,000
Madison, Florida 1 $ 135,000 $ 135,000 $ 31,000
Manatee, Florida 1 $ 1,005,000 $ 1,005,000 $ 940,000
Marion, Florida 1 $ 225,000 $ 225,000 $ 53,000
Martin, Florida 1 $ 105,000 $ 105,000 $ 33,000
Osceola, Florida 1 $ 405,000 $ 405,000 $ 158,000
Washington, Florida 1 $ 125,000 $ 125,000 $ 56,000
Banks, Georgia 1 $ 125,000 $ 125,000 $ 52,000
Candler, Georgia 1 $ 125,000 $ 125,000 $ 91,000
Chattooga, Georgia 1 $ 195,000 $ 195,000 $ 42,000
Clarke, Georgia 1 $ 335,000 $ 335,000 $ 90,000
Coffee, Georgia 1 $ 55,000 $ 55,000 $ 51,000
Dawson, Georgia 1 $ 495,000 $ 495,000 $ 310,000
Decatur, Georgia 1 $ 445,000 $ 445,000 $ 125,000
Emanuel, Georgia 1 $ 185,000 $ 185,000 $ 77,000
Franklin, Georgia 1 $ 275,000 $ 275,000 $ 117,000
Glynn, Georgia 1 $ 155,000 $ 155,000 $ 366,000
Laurens, Georgia 1 $ 205,000 $ 205,000 $ 211,000
Lumpkin, Georgia 1 $ 175,000 $ 175,000 $ 281,000
McIntosh, Georgia 1 $ 265,000 $ 265,000 $ 73,000
Meriwether, Georgia 1 $ 135,000 $ 135,000 $ 40,000
Richmond, Georgia 1 $ 185,000 $ 185,000 $ 64,000
Screven, Georgia 1 $ 155,000 $ 155,000 $ 38,000
Tattnall, Georgia 1 $ 295,000 $ 295,000 $ 126,000
Toombs, Georgia 1 $ 55,000 $ 55,000 $ 29,000
Troup, Georgia 1 $ 175,000 $ 175,000 $ 70,000
Upson, Georgia 1 $ 165,000 $ 165,000 $ 38,000
Ware, Georgia 1 $ 125,000 $ 125,000 $ 82,000
Wilcox, Georgia 1 $ 115,000 $ 115,000 $ 32,000
Cook, Illinois 1 $ 265,000 $ 265,000 $ 320,000
Lake, Illinois 1 $ 205,000 $ 205,000 $ 131,000
McHenry, Illinois 1 $ 185,000 $ 185,000 $ 66,000
Ellis, Kansas 1 $ 195,000 $ 195,000 $ 142,000
Beauregard, Louisiana 1 $ 435,000 $ 435,000 $ 165,000
Lafourche, Louisiana 1 $ 125,000 $ 125,000 $ 32,000
St. Tammany, Louisiana 1 $ 375,000 $ 375,000 $ 100,000
Tangipahoa, Louisiana 1 $ 195,000 $ 195,000 $ 78,000
Webster, Louisiana 1 $ 145,000 $ 145,000 $ 35,000
Calvert, Maryland 1 $ 245,000 $ 245,000 $ 45,000
Harford, Maryland 1 $ 245,000 $ 245,000 $ 41,000
Howard, Maryland 1 $ 455,000 $ 455,000 $ 132,000
Macomb, Michigan 1 $ 155,000 $ 155,000 $ 65,000
Sandoval, New Mexico 1 $ 455,000 $ 455,000 $ 79,000
Alexander, North Carolina 1 $ 265,000 $ 265,000 $ 98,000
Bladen, North Carolina 1 $ 135,000 $ 135,000 $ 103,000
Cleveland, North Carolina 1 $ 645,000 $ 645,000 $ 214,000
Franklin, North Carolina 1 $ 615,000 $ 615,000 $ 187,000
Halifax, North Carolina 1 $ 625,000 $ 625,000 $ 235,000
Haywood, North Carolina 1 $ 115,000 $ 115,000 $ 166,000
Jones, North Carolina 1 $ 185,000 $ 185,000 $ 129,000
Montgomery, North Carolina 1 $ 165,000 $ 165,000 $ 35,000
Onslow, North Carolina 1 $ 525,000 $ 525,000 $ 130,000
Orange, North Carolina 1 $ 445,000 $ 445,000 $ 118,000
Surry, North Carolina 1 $ 195,000 $ 195,000 $ 62,000
Watauga, North Carolina 1 $ 145,000 $ 145,000 $ 252,000
Wilkes, North Carolina 1 $ 445,000 $ 445,000 $ 124,000
Cuyahoga, Ohio 1 $ 225,000 $ 225,000 $ 49,000
Caddo, Oklahoma 1 $ 75,000 $ 75,000 $ 29,000
Choctaw, Oklahoma 1 $ 285,000 $ 285,000 $ 125,000
Delaware, Oklahoma 1 $ 145,000 $ 145,000 $ 525,000
Kingfisher, Oklahoma 1 $ 275,000 $ 275,000 $ 180,000
Love, Oklahoma 1 $ 325,000 $ 325,000 $ 78,000
Marshall, Oklahoma 1 $ 175,000 $ 175,000 $ 107,000
Sequoyah, Oklahoma 1 $ 115,000 $ 115,000 $ 213,000
Aiken, South Carolina 1 $ 115,000 $ 115,000 $ 46,000
Anderson, South Carolina 1 $ 185,000 $ 185,000 $ 74,000
Beaufort, South Carolina 1 $ 1,005,000 $ 1,005,000 $ 399,000
Cherokee, South Carolina 1 $ 285,000 $ 285,000 $ 60,000
Chesterfield, South Carolina 1 $ 85,000 $ 85,000 $ 40,000
Clarendon, South Carolina 1 $ 305,000 $ 305,000 $ 166,000
Darlington, South Carolina 1 $ 115,000 $ 115,000 $ 55,000
Florence, South Carolina 1 $ 195,000 $ 195,000 $ 54,000
Pickens, South Carolina 1 $ 305,000 $ 305,000 $ 70,000
Carter, Tennessee 1 $ 225,000 $ 225,000 $ 163,000
Cocke, Tennessee 1 $ 265,000 $ 265,000 $ 75,000
Cumberland, Tennessee 1 $ 245,000 $ 245,000 $ 27,000
Giles, Tennessee 1 $ 245,000 $ 245,000 $ 25,000
Grundy, Tennessee 1 $ 415,000 $ 415,000 $ 69,000
Hamblen, Tennessee 1 $ 265,000 $ 265,000 $ 77,000
Lawrence, Tennessee 1 $ 395,000 $ 395,000 $ 90,000
Macon, Tennessee 1 $ 325,000 $ 325,000 $ 71,000
Perry, Tennessee 1 $ 55,000 $ 55,000 $ 32,000
Roane, Tennessee 1 $ 155,000 $ 155,000 $ 195,000
Rutherford, Tennessee 1 $ 285,000 $ 285,000 $ 43,000
Shelby, Tennessee 1 $ 55,000 $ 55,000 $ 175,000
Williamson, Tennessee 1 $ 545,000 $ 545,000 $ 180,000
Wilson, Tennessee 1 $ 875,000 $ 875,000 $ 154,000
Anderson, Texas 1 $ 225,000 $ 225,000 $ 94,000
Andrews, Texas 1 $ 315,000 $ 315,000 $ 109,000
Blanco, Texas 1 $ 405,000 $ 405,000 $ 146,000
Caldwell, Texas 1 $ 265,000 $ 265,000 $ 112,000
Cass, Texas 1 $ 95,000 $ 95,000 $ 38,000
Cherokee, Texas 1 $ 315,000 $ 315,000 $ 134,000
DeWitt, Texas 1 $ 325,000 $ 325,000 $ 128,000
Gonzales, Texas 1 $ 115,000 $ 115,000 $ 44,000
Harrison, Texas 1 $ 525,000 $ 525,000 $ 85,000
Hopkins, Texas 1 $ 265,000 $ 265,000 $ 120,000
Hudspeth, Texas 1 $ 255,000 $ 255,000 $ 80,000
Kendall, Texas 1 $ 145,000 $ 145,000 $ 85,000
Kleberg, Texas 1 $ 165,000 $ 165,000 $ 76,000
Live Oak, Texas 1 $ 125,000 $ 125,000 $ 125,000
Lubbock, Texas 1 $ 375,000 $ 375,000 $ 179,000
Matagorda, Texas 1 $ 265,000 $ 265,000 $ 118,000
Orange, Texas 1 $ 295,000 $ 295,000 $ 91,000
Rains, Texas 1 $ 235,000 $ 235,000 $ 85,000
Sabine, Texas 1 $ 95,000 $ 95,000 $ 61,000
San Jacinto, Texas 1 $ 345,000 $ 345,000 $ 256,000
Upshur, Texas 1 $ 365,000 $ 365,000 $ 168,000
Uvalde, Texas 1 $ 345,000 $ 345,000 $ 148,000
Van Zandt, Texas 1 $ 395,000 $ 395,000 $ 101,000
Victoria, Texas 1 $ 345,000 $ 345,000 $ 125,000
Ward, Texas 1 $ 225,000 $ 225,000 $ 104,000
Willacy, Texas 1 $ 145,000 $ 145,000 $ 146,000
Augusta, Virginia 1 $ 265,000 $ 265,000 $ 202,000
Botetourt, Virginia 1 $ 285,000 $ 285,000 $ 70,000
Caroline, Virginia 1 $ 275,000 $ 275,000 $ 101,000
Goochland, Virginia 1 $ 355,000 $ 355,000 $ 139,000
James City, Virginia 1 $ 495,000 $ 495,000 $ 195,000
Madison, Virginia 1 $ 295,000 $ 295,000 $ 120,000
Manassas, Virginia 1 $ 355,000 $ 355,000 $ 72,000
New Kent, Virginia 1 $ 325,000 $ 325,000 $ 82,000
Norfolk, Virginia 1 $ 445,000 $ 445,000 $ 190,000
Prince George, Virginia 1 $ 55,000 $ 55,000 $ 2,000
Stafford, Virginia 1 $ 165,000 $ 165,000 $ 25,000
Virginia Beach, Virginia 1 $ 365,000 $ 365,000 $ 178,000
Washington, Virginia 1 $ 135,000 $ 135,000 $ 190,000
Westmoreland, Virginia 1 $ 185,000 $ 185,000 $ 136,000

Mortgage Loan Application Detail Totals for Certainty Home Loans, LLC in 2022

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 4,597 $1,271,805,000 $276,000 $1,885,000 $107,000 $5,027,000
Cash-out Refinancing 541 $137,155,000 $253,000 $1,005,000 $117,000 $1,398,000
Refinancing 304 $87,670,000 $288,000 $1,285,000 $120,000 $660,000
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 2,886 $811,400,000 $281,000 $1,495,000 $113,000 $5,027,000
Not Provided 860 $247,090,000 $287,000 $1,885,000 $114,000 $1,228,000
Black or African American 828 $221,190,000 $267,000 $925,000 $94,000 $500,000
Hispanic 659 $148,485,000 $225,000 $835,000 $94,000 $1,266,000
Asian 139 $48,005,000 $345,000 $1,105,000 $148,000 $1,398,000
American Indian or Alaskan Native 29 $8,295,000 $286,000 $645,000 $131,000 $812,000
Native Hawaiian or Other Pacific Islander 7 $1,805,000 $257,000 $485,000 $83,000 $150,000
Not applicable 4 $760,000 $190,000 $265,000 $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) 3,218 $859,250,000 $267,000 $1,885,000 $121,000 $1,398,000
FHA-insured (Federal Housing Administration) 1,256 $318,200,000 $253,000 $745,000 $86,000 $5,027,000
VA-guaranteed (Veterans Administration) 856 $296,580,000 $346,000 $1,605,000 $103,000 $807,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 112 $22,600,000 $201,000 $365,000 $63,000 $125,000

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 3,770 $1,037,340,000 $275,000 $1,885,000 $109,000 $5,027,000
Application Withdrawn By Applicant 1,262 $355,970,000 $282,000 $1,605,000 $113,000 $807,000
Application Denied By Financial Institution 364 $91,260,000 $250,000 $965,000 $94,000 $1,266,000
Application Approved But Not Accepted 27 $6,635,000 $245,000 $645,000 $105,000 $493,000
File Closed For Incompleteness 15 $4,665,000 $311,000 $565,000 $110,000 $250,000
Loan Purchased By The Institution 4 $760,000 $190,000 $265,000 $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 5,078 $1,405,370,000 $276,000 $1,885,000 $110,000 $5,027,000
Collateral 92 $21,470,000 $233,000 $705,000 $104,000 $611,000
Debt-To-Income Ratio 90 $26,550,000 $295,000 $965,000 $82,000 $479,000
Credit History 51 $10,705,000 $209,000 $685,000 $116,000 $1,266,000
Unverifiable Information 41 $9,465,000 $230,000 $445,000 $63,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 39 $11,645,000 $298,000 $685,000 $113,000 $619,000
Other 21 $4,935,000 $235,000 $625,000 $93,000 $151,000
Credit Application Incomplete 17 $4,265,000 $250,000 $605,000 $110,000 $408,000
Employment History 13 $2,225,000 $171,000 $385,000 $46,000 $130,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Certainty Home Loans, LLC's 2022 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.
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