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records Certainty Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 699 | $ 240,865,000 | $ 344,585 | $ 120,000 |
| Outside any metro area | 588 | $ 134,700,000 | $ 229,081 | $ 99,375 |
| Houston-The Woodlands-Sugar Land, TX | 356 | $ 104,870,000 | $ 294,578 | $ 137,000 |
| Savannah, GA | 330 | $ 94,010,000 | $ 284,878 | $ 116,000 |
| Huntsville, AL | 286 | $ 84,240,000 | $ 294,545 | $ 118,000 |
| Fayetteville, NC | 272 | $ 50,610,000 | $ 186,066 | $ 75,000 |
| Oklahoma City, OK | 196 | $ 44,580,000 | $ 227,448 | $ 103,000 |
| Winston-Salem, NC | 160 | $ 38,790,000 | $ 242,437 | $ 100,000 |
| El Paso, TX | 157 | $ 31,685,000 | $ 201,815 | $ 76,000 |
| Odessa, TX | 153 | $ 24,885,000 | $ 162,647 | $ 77,000 |
| San Antonio-New Braunfels, TX | 152 | $ 43,350,000 | $ 285,197 | $ 115,000 |
| Crestview-Fort Walton Beach-Destin, FL | 143 | $ 49,795,000 | $ 348,216 | $ 110,000 |
| Dallas-Plano-Irving, TX | 116 | $ 44,360,000 | $ 382,413 | $ 160,000 |
| Charleston-North Charleston, SC | 113 | $ 41,625,000 | $ 368,362 | $ 114,000 |
| Greensboro-High Point, NC | 112 | $ 30,240,000 | $ 270,000 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 111 | $ 33,375,000 | $ 300,675 | $ 124,792 |
| Charlotte-Concord-Gastonia, NC-SC | 106 | $ 29,840,000 | $ 281,509 | $ 105,235 |
| Midland, TX | 102 | $ 22,550,000 | $ 221,078 | $ 99,000 |
| Columbus, GA-AL | 99 | $ 30,965,000 | $ 312,777 | $ 105,171 |
| Sherman-Denison, TX | 97 | $ 23,165,000 | $ 238,814 | $ 105,000 |
| Fort Worth-Arlington, TX | 94 | $ 33,790,000 | $ 359,468 | $ 155,000 |
| Columbia, SC | 76 | $ 17,030,000 | $ 224,078 | $ 76,000 |
| Montgomery, AL | 71 | $ 12,165,000 | $ 171,338 | $ 78,000 |
| Austin-Round Rock, TX | 55 | $ 21,585,000 | $ 392,454 | $ 179,000 |
| Pensacola-Ferry Pass-Brent, FL | 53 | $ 15,835,000 | $ 298,773 | $ 100,000 |
| Jacksonville, FL | 45 | $ 12,425,000 | $ 276,111 | $ 97,000 |
| Corpus Christi, TX | 39 | $ 9,665,000 | $ 247,820 | $ 100,000 |
| Richmond, VA | 36 | $ 11,570,000 | $ 321,388 | $ 113,000 |
| Baltimore-Columbia-Towson, MD | 33 | $ 5,955,000 | $ 180,454 | $ 118,000 |
| Tyler, TX | 32 | $ 7,980,000 | $ 249,375 | $ 108,000 |
| Rome, GA | 31 | $ 7,205,000 | $ 232,419 | $ 71,000 |
| Decatur, AL | 29 | $ 7,485,000 | $ 258,103 | $ 87,000 |
| Hinesville, GA | 26 | $ 5,760,000 | $ 221,538 | $ 79,000 |
| Las Cruces, NM | 24 | $ 5,070,000 | $ 211,250 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 8,080,000 | $ 336,666 | $ 121,000 |
| Warner Robins, GA | 19 | $ 5,435,000 | $ 286,052 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 18 | $ 6,410,000 | $ 356,111 | $ 110,222 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 17 | $ 4,175,000 | $ 245,588 | $ 88,294 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 3,810,000 | $ 238,125 | $ 98,000 |
| Gainesville, GA | 16 | $ 5,470,000 | $ 341,875 | $ 121,000 |
| New Orleans-Metairie, LA | 15 | $ 3,905,000 | $ 260,333 | $ 120,000 |
| Auburn-Opelika, AL | 14 | $ 3,230,000 | $ 230,714 | $ 85,000 |
| Panama City, FL | 14 | $ 3,420,000 | $ 244,285 | $ 94,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 3,055,000 | $ 235,000 | $ 114,000 |
| Gadsden, AL | 11 | $ 2,745,000 | $ 249,545 | $ 77,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 4,460,000 | $ 446,000 | $ 125,000 |
| Port St. Lucie, FL | 10 | $ 1,610,000 | $ 161,000 | $ 56,000 |
| Beaumont-Port Arthur, TX | 9 | $ 2,615,000 | $ 290,555 | $ 96,000 |
| Birmingham-Hoover, AL | 9 | $ 2,385,000 | $ 265,000 | $ 124,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,775,000 | $ 197,222 | $ 68,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 3,485,000 | $ 387,222 | $ 90,000 |
| Pueblo, CO | 9 | $ 1,985,000 | $ 220,555 | $ 82,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 3,085,000 | $ 440,714 | $ 215,000 |
| Lawton, OK | 7 | $ 935,000 | $ 133,571 | $ 52,000 |
| Raleigh, NC | 7 | $ 2,855,000 | $ 407,857 | $ 119,000 |
| Washington-Baltimore-Arlington, DC | 7 | $ 1,545,000 | $ 220,714 | $ 121,000 |
| Clarksville, TN-KY | 6 | $ 1,230,000 | $ 205,000 | $ 90,000 |
| Colorado Springs, CO | 6 | $ 2,360,000 | $ 393,333 | $ 104,000 |
| Columbus, OH | 6 | $ 1,120,000 | $ 186,666 | $ 106,000 |
| Burlington, NC | 5 | $ 935,000 | $ 187,000 | $ 65,000 |
| Dalton, GA | 5 | $ 1,045,000 | $ 209,000 | $ 69,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,515,000 | $ 303,000 | $ 98,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,265,000 | $ 253,000 | $ 115,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,505,000 | $ 301,000 | $ 112,000 |
| Killeen-Temple, TX | 5 | $ 1,015,000 | $ 203,000 | $ 183,000 |
| Longview, TX | 5 | $ 2,245,000 | $ 449,000 | $ 105,000 |
| California-Lexington Park, MD | 4 | $ 900,000 | $ 225,000 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,670,000 | $ 417,500 | $ 359,000 |
| Florence-Muscle Shoals, AL | 4 | $ 920,000 | $ 230,000 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,070,000 | $ 267,500 | $ 161,000 |
| Macon-Bibb County, GA | 4 | $ 920,000 | $ 230,000 | $ 184,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,210,000 | $ 302,500 | $ 78,000 |
| San Angelo, TX | 4 | $ 1,130,000 | $ 282,500 | $ 130,000 |
| Tulsa, OK | 4 | $ 840,000 | $ 210,000 | $ 70,000 |
| Albany, GA | 3 | $ 575,000 | $ 191,666 | $ 63,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 845,000 | $ 281,666 | $ 187,000 |
| Asheville, NC | 3 | $ 645,000 | $ 215,000 | $ 109,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 225,000 | $ 75,000 | $ 50,000 |
| Goldsboro, NC | 3 | $ 405,000 | $ 135,000 | $ 67,000 |
| Mobile, AL | 3 | $ 715,000 | $ 238,333 | $ 80,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,765,000 | $ 588,333 | $ 368,000 |
| Sumter, SC | 3 | $ 875,000 | $ 291,666 | $ 170,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,305,000 | $ 435,000 | $ 187,000 |
| Abilene, TX | 2 | $ 570,000 | $ 285,000 | $ 60,000 |
| Brownsville-Harlingen, TX | 2 | $ 550,000 | $ 275,000 | $ 226,000 |
| Brunswick, GA | 2 | $ 420,000 | $ 210,000 | $ 219,000 |
| Chattanooga, TN-GA | 2 | $ 540,000 | $ 270,000 | $ 82,000 |
| Chicago-Naperville, IL | 2 | $ 450,000 | $ 225,000 | $ 193,000 |
| Florence, SC | 2 | $ 310,000 | $ 155,000 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Lake Charles, LA | 2 | $ 770,000 | $ 385,000 | $ 204,000 |
| Lakeland-Winter Haven, FL | 2 | $ 680,000 | $ 340,000 | $ 129,000 |
| Sebastian-Vero Beach, FL | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Sebring, FL | 2 | $ 530,000 | $ 265,000 | $ 220,000 |
| Spartanburg, SC | 2 | $ 460,000 | $ 230,000 | $ 77,000 |
| Texarkana, TX-AR | 2 | $ 1,240,000 | $ 620,000 | $ 265,000 |
| Tuscaloosa, AL | 2 | $ 400,000 | $ 200,000 | $ 67,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 840,000 | $ 420,000 | $ 145,000 |
| Wilmington, NC | 2 | $ 620,000 | $ 310,000 | $ 179,000 |
| Albuquerque, NM | 1 | $ 455,000 | $ 455,000 | $ 79,000 |
| Athens-Clarke County, GA | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Cleveland-Elyria, OH | 1 | $ 225,000 | $ 225,000 | $ 49,000 |
| Dothan, AL | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Fort Smith, AR-OK | 1 | $ 115,000 | $ 115,000 | $ 213,000 |
| Greeley, CO | 1 | $ 535,000 | $ 535,000 | $ 218,000 |
| Hammond, LA | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Homosassa Springs, FL | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Houma-Thibodaux, LA | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Jacksonville, NC | 1 | $ 525,000 | $ 525,000 | $ 130,000 |
| Johnson City, TN | 1 | $ 225,000 | $ 225,000 | $ 163,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 135,000 | $ 135,000 | $ 190,000 |
| Knoxville, TN | 1 | $ 155,000 | $ 155,000 | $ 195,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Lubbock, TX | 1 | $ 375,000 | $ 375,000 | $ 179,000 |
| Memphis, TN-MS-AR | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Morristown, TN | 1 | $ 265,000 | $ 265,000 | $ 77,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 535,000 | $ 535,000 | $ 130,000 |
| New Bern, NC | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Ocala, FL | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Roanoke, VA | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Staunton-Waynesboro, VA | 1 | $ 265,000 | $ 265,000 | $ 202,000 |
| Victoria, TX | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
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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with aggregated HMDA statistics today.
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