Certainty Home Loans, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Certainty Home Loans, Llc 2019 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 | 7,014 |
| Total Mortgage Loan Application Amount | $1,516,830,000 |
| Average Mortgage Loan Application Amount | $233,250 |
| Highest Mortgage Loan Application Amount | $1,735,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $6,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | $ 251,000 | $ 110,000 |
| NA (OUTSIDE OF MSA/MD) | 589 | $ 101,265,000 | $ 163,000 | $ 95,400 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 578 | $ 134,020,000 | $ 229,500 | $ 94,500 |
| SAVANNAH, GA | 486 | $ 109,170,000 | $ 224,000 | $ 99,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 438 | $ 109,750,000 | $ 250,000 | $ 132,000 |
| HUNTSVILLE, AL | 327 | $ 62,605,000 | $ 191,000 | $ 83,000 |
| HICKORY-LENOIR-MORGANTON, NC | 325 | $ 46,295,000 | $ 142,000 | $ 62,000 |
| OKLAHOMA CITY, OK | 301 | $ 53,075,000 | $ 176,000 | $ 87,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 236 | $ 66,150,000 | $ 280,000 | $ 76,000 |
| DALLAS-PLANO-IRVING, TX | 233 | $ 65,265,000 | $ 280,000 | $ 132,000 |
| FAYETTEVILLE, NC | 227 | $ 35,455,000 | $ 156,000 | $ 58,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 212 | $ 45,170,000 | $ 213,000 | $ 93,000 |
| GREENSBORO-HIGH POINT, NC | 189 | $ 36,715,000 | $ 194,000 | $ 92,000 |
| FORT WORTH-ARLINGTON, TX | 180 | $ 41,370,000 | $ 229,000 | $ 120,000 |
| CORPUS CHRISTI, TX | 175 | $ 32,165,000 | $ 183,000 | $ 80,000 |
| MONTGOMERY, AL | 159 | $ 24,625,000 | $ 154,000 | $ 69,000 |
| SHERMAN-DENISON, TX | 158 | $ 29,350,000 | $ 185,000 | $ 86,000 |
| WINSTON-SALEM, NC | 133 | $ 25,465,000 | $ 191,000 | $ 87,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 106 | $ 24,650,000 | $ 232,000 | $ 97,000 |
| AUSTIN-ROUND ROCK, TX | 96 | $ 28,430,000 | $ 296,000 | $ 179,000 |
| DENVER-AURORA-LAKEWOOD, CO | 65 | $ 20,625,000 | $ 317,000 | $ 101,000 |
| COLUMBIA, SC | 63 | $ 10,355,000 | $ 164,000 | $ 65,000 |
| TYLER, TX | 59 | $ 10,545,000 | $ 178,000 | $ 87,000 |
| EL PASO, TX | 57 | $ 8,565,000 | $ 150,000 | $ 66,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 38 | $ 8,930,000 | $ 235,000 | $ 84,000 |
| RALEIGH, NC | 26 | $ 6,720,000 | $ 258,000 | $ 82,000 |
| HINESVILLE, GA | 23 | $ 4,255,000 | $ 185,000 | $ 65,000 |
| DECATUR, AL | 21 | $ 2,745,000 | $ 130,000 | $ 64,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 18 | $ 4,300,000 | $ 238,000 | $ 102,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 17 | $ 3,805,000 | $ 199,000 | $ 116,500 |
| ROME, GA | 15 | $ 2,615,000 | $ 174,000 | $ 59,000 |
| GAINESVILLE, GA | 12 | $ 3,590,000 | $ 299,000 | $ 122,000 |
| BIRMINGHAM-HOOVER, AL | 11 | $ 2,525,000 | $ 229,000 | $ 80,000 |
| TUSCALOOSA, AL | 11 | $ 1,195,000 | $ 108,000 | $ 66,000 |
| DURHAM-CHAPEL HILL, NC | 9 | $ 2,295,000 | $ 255,000 | $ 167,000 |
| PUEBLO, CO | 9 | $ 1,405,000 | $ 156,000 | $ 79,000 |
| ASHEVILLE, NC | 7 | $ 1,115,000 | $ 159,000 | $ 109,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 7 | $ 1,775,000 | $ 253,000 | $ 99,000 |
| JACKSONVILLE, FL | 7 | $ 1,255,000 | $ 179,000 | $ 69,000 |
| COLUMBUS, GA-AL | 6 | $ 1,280,000 | $ 214,000 | $ 66,000 |
| DALTON, GA | 6 | $ 830,000 | $ 138,000 | $ 48,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 6 | $ 1,070,000 | $ 178,000 | $ 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 | $ 482,000 | $ 129,000 |
| BRUNSWICK, GA | 3 | $ 865,000 | $ 288,000 | $ 152,000 |
| JACKSONVILLE, NC | 3 | $ 515,000 | $ 171,000 | $ 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 | $ 161,000 | $ 99,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 1,445,000 | $ 481,000 | $ 148,000 |
| PANAMA CITY, FL | 3 | $ 715,000 | $ 238,000 | $ 70,000 |
| SPARTANBURG, SC | 3 | $ 365,000 | $ 121,000 | $ 57,000 |
| VICTORIA, TX | 3 | $ 355,000 | $ 118,000 | $ 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.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.