# RESICENTRAL, LLC

> **Canonical URL:** https://saferate.com/lenders/resicentral


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RESICENTRAL, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 30 states, with 3,917 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300323EON4W3CCM44
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AR, AZ, CA, CO, CT, DC, FL, GA, ID, IL, KY, LA, MD, MI, MN, MT, NC, NH, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 0.2%
- **Brokered/Wholesale:** 99.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.279%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,390
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,917
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 6,050
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $429,289
- **Average Borrower Income:** $169,438
- **Average Property Value:** $583,989

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 3,226 | +0.305% | $1,304 | Strong 😀 |
| FHA | 74/100 | 487 | +0.303% | $1,962 | Strong 😀 |
| VA | 73/100 | 181 | -0.411% | $1,292 | Strong 😀 |
| Jumbo | 47/100 | 23 | +0.369% | $968 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,455 loans, Score: 69/100 (Strong)
- Refinance: 771 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 426 loans, Score: 74/100 (Strong)
- Refinance: 61 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 150 loans, Score: 72/100 (Strong)
- Refinance: 31 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 3,050 | $1.3B | +0.285% | Strong 😀 |
| Refinance | 74/100 | 867 | $358M | +0.257% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 738 | 0.26% | 74/100 |
| IL | 476 | 0.38% | 76/100 |
| TX | 328 | 0.09% | 66/100 |
| FL | 288 | 0.10% | 64/100 |
| CO | 240 | 0.29% | 69/100 |
| MI | 190 | 0.17% | 64/100 |
| AZ | 189 | 0.19% | 66/100 |
| WA | 188 | 0.22% | 68/100 |
| UT | 181 | 0.40% | 68/100 |
| NC | 161 | 0.11% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 378 | 76/100 |
| Non |  | 195 | 55/100 |
| Denver | CO | 162 | 68/100 |
| Phoenix | AZ | 150 | 65/100 |
| San Diego | CA | 122 | 66/100 |
| Los Angeles | CA | 112 | 63/100 |
| Dallas | TX | 111 | 62/100 |
| Warren | MI | 108 | 63/100 |
| Riverside | CA | 96 | 61/100 |
| Houston | TX | 94 | 59/100 |
| Oakland | CA | 81 | 65/100 |
| Sacramento | CA | 74 | 60/100 |
| Raleigh | NC | 73 | 63/100 |
| Minneapolis | MN-WI | 65 | 56/100 |
| San Jose | CA | 64 | 62/100 |

## Where This Lender Ranks

RESICENTRAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in San Diego for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Oakland for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in San Diego for FHA Loans
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in San Diego for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Oregon for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in San Jose Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Ann Arbor, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Oakland for FHA Loans
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Sacramento for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Salt Lake City for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Ogden, UT for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in San Diego for VA Loans
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Los Angeles for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Warren Mortgage Companies
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Riverside for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in San Jose for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Salt Lake City Mortgage Companies
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Phoenix for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#17** in Oregon for VA Loans
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Sacramento for FHA Loans
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does RESICENTRAL, LLC offer?

RESICENTRAL, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RESICENTRAL, LLC offer mortgages?

RESICENTRAL, LLC offers mortgages in 30 states: AL, AR, AZ, CA, CO, CT, DC, FL, GA, ID, IL, KY, LA, MD, MI, MN, MT, NC, NH, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are RESICENTRAL, LLC's mortgage rates?

RESICENTRAL, LLC has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.279% above market average.

### What type of lender is RESICENTRAL, LLC?

RESICENTRAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is RESICENTRAL, LLC's loan approval success rate?

RESICENTRAL, LLC has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/resicentral

### How to Cite

> "RESICENTRAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/resicentral

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