Certified Funding, L.P. mortgage approval rate & lending review
Certified Funding, L.P. decided 2,277 mortgage applications and funded 1,386 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Certified Funding, L.P. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Certified Funding, L.P. at a glance
Approval is 21.4 points below the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 62% | 1,006 / 1,624 | 100% | $175K | 1,006 |
| Home improvement loans | 55% | 76 / 137 | 100% | $105K | 76 |
| Cash-out refinance | 59% | 220 / 371 | 100% | $115K | 220 |
| Refinance | 59% | 81 / 137 | 100% | $155K | 81 |
Certified Funding, L.P. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 61% | $175K | 2,277 | 1,386 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Certified Funding, L.P. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Collin County, TX | Mortgage lenders | 64% | 307 | 196 |
| Denton County, TX | Mortgage lenders | 60% | 263 | 158 |
| Travis County, TX | Mortgage lenders | 63% | 235 | 148 |
| Collin County, TX | Cash-out refinance | 62% | 53 | 33 |
| Denton County, TX | Cash-out refinance | 74% | 43 | 32 |
| Tarrant County, TX | Cash-out refinance | 57% | 40 | 23 |
| Collin County, TX | Home improvement loans | 59% | 27 | 16 |
| Dallas County, TX | Cash-out refinance | 42% | 38 | 16 |
| Denton County, TX | Home improvement loans | 59% | 22 | 13 |
| Fort Bend County, TX | Cash-out refinance | 55% | 22 | 12 |
| Montgomery County, TX | Cash-out refinance | 60% | 20 | 12 |
The county markets where Certified Funding, L.P. made the most loans. Each link opens that market with every lender ranked.
Questions about Certified Funding, L.P.
What is Certified Funding, L.P.'s mortgage approval rate?
Certified Funding, L.P. approved 60.9% of the 2,277 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.4 points below the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan Certified Funding, L.P. offers?
Borrowers accepted 100% of the loans Certified Funding, L.P. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Certified Funding, L.P. make?
The typical home purchase mortgage loan Certified Funding, L.P. made was $175K; across all loan types its typical loan ran from $105K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Certified Funding, L.P. lend?
Certified Funding, L.P. decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Certified Funding, L.P. directly?
Yes. Certified Funding, L.P. reports as a direct lender that takes applications from borrowers.
Does this page show Certified Funding, L.P.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Certified Funding, L.P. treats applications, then get a rate quote from the lender.