Applications / Mortgage Analytics / Lenders / Texas / Certified Funding
Plano, TX · Independent non-bank lender · CFPB · 395 loans in 2025
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395
loans originated, 2025
647
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Certified Funding is a Texas-only non-bank lender that makes small conventional purchase loans, and its volume has fallen every year since 2020 to about a fifth of that year's level.
Every loan it made in 2025 was conventional, with no loans backed by the Federal Housing Administration or the Department of Veterans Affairs. Similar lenders (independent non-bank lenders making between half and twice as many loans) had 73.5% conventional. Purchases were 71.4% of its loans and it made no manufactured-home loans. Its typical loan was $155,000, against $330,000 at similar lenders, smaller than more than nine in ten of them.
It made 395 loans in 2025, down from 1,908 in 2020 and 448 in 2024. The 12% fall in 2025 came while similar lenders grew 2% and the whole market grew 10%, a slower year than about three in four similar lenders had. The figures do not show why the decline has continued.
It lends in one state, across 10 metros and 36 counties, and has reported since 2004. It holds a small share everywhere. In Austin it ranked 221 of 753 lenders with 0.1% of the dollars, unchanged from 2024; in Dallas-Fort Worth, its largest market, it ranked 233 of 1,026. United Wholesale Mortgage leads both. Loans in majority-minority neighborhoods made up 21.8% of its lending, against 25.1% at similar lenders, near the middle of the group.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Certified Funding took 647 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 24.6% · Home improvement 4.1%
Conventional 100.0% · of 395 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 395 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 187 |
| Houston-Pasadena-The Woodlands | 74 |
| Austin-Round Rock-San Marcos | 68 |
| Fort Worth-Arlington-Grapevine | 30 |
| San Antonio-New Braunfels | 23 |
| Lubbock | 2 |
| Midland | 2 |
| Killeen-Temple | 1 |
| Tyler | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TN9GZ5XRCOXX47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3845837 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7752930700 |
Established 2 April 2001. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Certified Funding's data.
Certified Funding's data
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