Certainty Home Loans, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Certainty Home Loans, LLC of Wilmington, DE reported 7,014 mortgage applications totaling $1.5 billion, down 14% from 2018. The average application was for $216,257, and applicants reported an average income of $96,289. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,267), Charlotte-Concord-Gastonia, NC-SC (578) and Savannah, GA (486) (applications in parentheses).
| Mortgage Company & Address | Certainty Home Loans, LLC 6101 West Plano Parkway Wilmington, DE 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 7,014 |
| Total Mortgage Loan Application Amount | $1,516,830,000 |
| Average Mortgage Loan Application Amount | $216,257 |
| Highest Mortgage Loan Application Amount | $1,735,000 |
| Average Applicant Income | $96,289 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Certainty Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 1,267 | $ 319,195,000 | $ 251,929 | $ 110,000 |
| Outside any metro area | 589 | $ 101,265,000 | $ 171,926 | $ 79,743 |
| Charlotte-Concord-Gastonia, NC-SC | 578 | $ 134,020,000 | $ 231,868 | $ 97,380 |
| Savannah, GA | 486 | $ 109,170,000 | $ 224,629 | $ 99,000 |
| Houston-The Woodlands-Sugar Land, TX | 438 | $ 109,750,000 | $ 250,570 | $ 132,000 |
| Huntsville, AL | 327 | $ 62,605,000 | $ 191,452 | $ 83,000 |
| Hickory-Lenoir-Morganton, NC | 325 | $ 46,295,000 | $ 142,446 | $ 62,000 |
| Oklahoma City, OK | 301 | $ 53,075,000 | $ 176,328 | $ 87,000 |
| Crestview-Fort Walton Beach-Destin, FL | 236 | $ 66,150,000 | $ 280,296 | $ 76,000 |
| Dallas-Plano-Irving, TX | 233 | $ 65,265,000 | $ 280,107 | $ 132,000 |
| Fayetteville, NC | 227 | $ 35,455,000 | $ 156,189 | $ 58,000 |
| San Antonio-New Braunfels, TX | 212 | $ 45,170,000 | $ 213,066 | $ 93,000 |
| Greensboro-High Point, NC | 189 | $ 36,715,000 | $ 194,259 | $ 92,000 |
| Fort Worth-Arlington, TX | 180 | $ 41,370,000 | $ 229,833 | $ 120,000 |
| Corpus Christi, TX | 175 | $ 32,165,000 | $ 183,800 | $ 80,000 |
| Montgomery, AL | 159 | $ 24,625,000 | $ 154,874 | $ 69,000 |
| Sherman-Denison, TX | 158 | $ 29,350,000 | $ 185,759 | $ 86,000 |
| Winston-Salem, NC | 133 | $ 25,465,000 | $ 191,466 | $ 87,000 |
| Charleston-North Charleston, SC | 106 | $ 24,650,000 | $ 232,547 | $ 97,000 |
| Austin-Round Rock, TX | 96 | $ 28,430,000 | $ 296,145 | $ 179,000 |
| Denver-Aurora-Lakewood, CO | 65 | $ 20,625,000 | $ 317,307 | $ 101,000 |
| Columbia, SC | 63 | $ 10,355,000 | $ 164,365 | $ 65,000 |
| Tyler, TX | 59 | $ 10,545,000 | $ 178,728 | $ 87,000 |
| El Paso, TX | 57 | $ 8,565,000 | $ 150,263 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 8,930,000 | $ 235,000 | $ 84,000 |
| Raleigh, NC | 26 | $ 6,720,000 | $ 258,461 | $ 82,000 |
| Hinesville, GA | 23 | $ 4,255,000 | $ 185,000 | $ 65,000 |
| Decatur, AL | 21 | $ 2,745,000 | $ 130,714 | $ 64,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 18 | $ 4,300,000 | $ 238,888 | $ 102,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 17 | $ 3,805,000 | $ 223,823 | $ 129,117 |
| Rome, GA | 15 | $ 2,615,000 | $ 174,333 | $ 59,000 |
| Gainesville, GA | 12 | $ 3,590,000 | $ 299,166 | $ 122,000 |
| Birmingham-Hoover, AL | 11 | $ 2,525,000 | $ 229,545 | $ 80,000 |
| Tuscaloosa, AL | 11 | $ 1,195,000 | $ 108,636 | $ 66,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,295,000 | $ 255,000 | $ 167,000 |
| Pueblo, CO | 9 | $ 1,405,000 | $ 156,111 | $ 79,000 |
| Asheville, NC | 7 | $ 1,115,000 | $ 159,285 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,775,000 | $ 253,571 | $ 99,000 |
| Jacksonville, FL | 7 | $ 1,255,000 | $ 179,285 | $ 69,000 |
| Columbus, GA-AL | 6 | $ 1,280,000 | $ 213,333 | $ 68,666 |
| Dalton, GA | 6 | $ 830,000 | $ 138,333 | $ 48,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,070,000 | $ 178,333 | $ 60,000 |
| Colorado Springs, CO | 5 | $ 2,365,000 | $ 473,000 | $ 108,000 |
| San Angelo, TX | 5 | $ 835,000 | $ 167,000 | $ 91,000 |
| Wilmington, NC | 5 | $ 1,055,000 | $ 211,000 | $ 101,000 |
| Abilene, TX | 4 | $ 1,020,000 | $ 255,000 | $ 113,000 |
| Athens-Clarke County, GA | 4 | $ 560,000 | $ 140,000 | $ 70,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 920,000 | $ 230,000 | $ 146,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,930,000 | $ 482,500 | $ 129,000 |
| Brunswick, GA | 3 | $ 865,000 | $ 288,333 | $ 152,000 |
| Jacksonville, NC | 3 | $ 515,000 | $ 171,666 | $ 44,000 |
| Killeen-Temple, TX | 3 | $ 765,000 | $ 255,000 | $ 110,000 |
| Longview, TX | 3 | $ 525,000 | $ 175,000 | $ 57,000 |
| Lubbock, TX | 3 | $ 485,000 | $ 161,666 | $ 99,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,445,000 | $ 481,666 | $ 148,000 |
| Panama City, FL | 3 | $ 715,000 | $ 238,333 | $ 70,000 |
| Spartanburg, SC | 3 | $ 365,000 | $ 121,666 | $ 57,000 |
| Victoria, TX | 3 | $ 355,000 | $ 118,333 | $ 48,000 |
| Auburn-Opelika, AL | 2 | $ 460,000 | $ 230,000 | $ 104,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 390,000 | $ 195,000 | $ 56,000 |
| College Station-Bryan, TX | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Dothan, AL | 2 | $ 420,000 | $ 210,000 | $ 111,000 |
| Florence, SC | 2 | $ 350,000 | $ 175,000 | $ 91,000 |
| Fort Smith, AR-OK | 2 | $ 200,000 | $ 100,000 | $ 39,000 |
| Gadsden, AL | 2 | $ 360,000 | $ 180,000 | $ 48,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 370,000 | $ 185,000 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 670,000 | $ 335,000 | $ 108,000 |
| Mobile, AL | 2 | $ 270,000 | $ 135,000 | $ 292,000 |
| Tulsa, OK | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 430,000 | $ 215,000 | $ 119,000 |
| Wichita Falls, TX | 2 | $ 190,000 | $ 95,000 | $ 77,000 |
| Albany, GA | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Amarillo, TX | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Burlington, NC | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 205,000 | $ 205,000 | $ 136,000 |
| Chattanooga, TN-GA | 1 | $ 485,000 | $ 485,000 | $ 114,000 |
| Clarksville, TN-KY | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Greenville, NC | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Las Cruces, NM | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Macon-Bibb County, GA | 1 | $ 375,000 | $ 375,000 | $ 132,000 |
| Midland, TX | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| New Orleans-Metairie, LA | 1 | $ 555,000 | $ 555,000 | $ 137,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Ocala, FL | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Odessa, TX | 1 | $ 365,000 | $ 365,000 | $ 201,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Richmond, VA | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Rocky Mount, NC | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Texarkana, TX-AR | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 625,000 | $ 625,000 | $ 284,000 |
| Wichita, KS | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Certainty Home Loans, LLC in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 5,622 | $1,165,550,000 | $207,000 | $1,735,000 | $91,000 | $2,400,000 |
| Refinancing | 867 | $230,965,000 | $266,000 | $1,275,000 | $120,000 | $6,000,000 |
| Cash-out Refinancing | 519 | $118,925,000 | $229,000 | $985,000 | $114,000 | $3,016,000 |
| Home Improvement | 6 | $1,390,000 | $231,000 | $325,000 | $95,000 | $143,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,433 | $991,035,000 | $223,000 | $1,735,000 | $100,000 | $4,509,000 |
| Not Provided | 912 | $198,080,000 | $217,000 | $1,225,000 | $98,000 | $5,040,000 |
| Black or African American | 819 | $152,575,000 | $186,000 | $945,000 | $74,000 | $1,126,000 |
| Hispanic | 631 | $122,225,000 | $193,000 | $805,000 | $79,000 | $673,000 |
| Asian | 168 | $40,370,000 | $240,000 | $855,000 | $141,000 | $6,000,000 |
| American Indian or Alaskan Native | 32 | $7,560,000 | $236,000 | $535,000 | $94,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,500,000 | $250,000 | $385,000 | $73,000 | $135,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,179 | $933,135,000 | $223,000 | $1,735,000 | $114,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 1,565 | $285,045,000 | $182,000 | $505,000 | $68,000 | $477,000 |
| VA-guaranteed (Veterans Administration) | 1,023 | $263,465,000 | $257,000 | $985,000 | $77,000 | $368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 247 | $35,185,000 | $142,000 | $1,135,000 | $49,000 | $288,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,167 | $1,110,575,000 | $214,000 | $1,275,000 | $91,000 | $1,126,000 |
| Application Withdrawn By Applicant | 1,059 | $234,325,000 | $221,000 | $1,735,000 | $121,000 | $6,000,000 |
| Application Denied By Financial Institution | 737 | $161,115,000 | $218,000 | $1,225,000 | $93,000 | $1,290,000 |
| Application Approved But Not Accepted | 51 | $10,815,000 | $212,000 | $515,000 | $96,000 | $316,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 6,277 | $1,355,715,000 | $215,000 | $1,735,000 | $96,000 | $6,000,000 |
| Unverifiable Information | 250 | $56,530,000 | $226,000 | $1,225,000 | $97,000 | $610,000 |
| Collateral | 113 | $23,245,000 | $205,000 | $1,135,000 | $93,000 | $385,000 |
| Debt-To-Income Ratio | 94 | $19,430,000 | $206,000 | $975,000 | $71,000 | $447,000 |
| Credit History | 90 | $18,550,000 | $206,000 | $945,000 | $96,000 | $1,035,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 74 | $15,990,000 | $216,000 | $985,000 | $86,000 | $325,000 |
| Credit Application Incomplete | 71 | $18,115,000 | $255,000 | $945,000 | $112,000 | $1,290,000 |
| Other | 30 | $6,800,000 | $226,000 | $1,055,000 | $102,000 | $430,000 |
| Employment History | 15 | $2,455,000 | $163,000 | $375,000 | $50,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Certainty Home Loans, LLC's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Certainty Home Loans, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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