# RESIDENTIAL ACCEPTANCE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/residential-acceptance


> **📋 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


RESIDENTIAL ACCEPTANCE CORPORATION is a independent mortgage company, headquartered in Tampa, FL, serving borrowers across 16 states, with 561 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549009UITWIC4FV7F43
- **Headquarters:** Tampa, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AL, AR, CO, FL, GA, IL, LA, MD, MI, MS, NC, OH, PA, SC, TN, TX
- **Markets (MSAs):** 8
- **Primary Channel:** wholesale
- **Direct Origination:** 13.6%
- **Brokered/Wholesale:** 86.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.112%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,576
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 561
- **Dollar Volume:** $170 million
- **Applications Received:** 603
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $302,237
- **Average Borrower Income:** $95,155
- **Average Property Value:** $317,335

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| FHA | 78/100 | 493 | +0.109% | $5,715 | Strong 😀 |
| VA | 42/100 | 23 | +0.078% | $5,259 | Sound ☺️ |
| USDA | 81/100 | 43 | +0.338% | $3,642 | Exceptional 🤩 |

### Product Performance by Purpose

**FHA:**
- Purchase: 480 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 23 loans, Score: 42/100 (Sound)

**USDA:**
- Purchase: 43 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 546 | $166M | +0.112% | Strong 😀 |
| Refinance | 23/100 | 15 | $4M | +0.110% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 270 | 0.09% | 70/100 |
| LA | 141 | 0.41% | 70/100 |
| GA | 45 | 0.03% | 54/100 |
| NC | 22 | 0.01% | 45/100 |
| AL | 16 | 0.03% | 45/100 |
| MS | 15 | 0.06% | 45/100 |
| AR | 13 | 0.04% | 43/100 |
| MI | 11 | 0.01% | 39/100 |
| TX | 10 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 197 | 79/100 |
| Baton Rouge, LA | LA | 110 | 72/100 |
| Non |  | 47 | 41/100 |
| Atlanta | GA | 36 | 54/100 |
| Lakeland | FL | 24 | 55/100 |
| Orlando | FL | 13 | 43/100 |
| Detroit | MI | 11 | 43/100 |
| Goldsboro, NC | NC | 10 | 48/100 |

## Where This Lender Ranks

RESIDENTIAL ACCEPTANCE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Baton Rouge, LA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Baton Rouge, LA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#10** in Goldsboro, NC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Tampa, FL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Baton Rouge, LA for USDA Loans
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/usda-loans)
- 🏆 **#11** in Goldsboro, NC for FHA Loans
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Louisiana for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#12** in Baton Rouge, LA for FHA Loans
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Tampa, FL for FHA Loans
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Louisiana for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Baton Rouge, LA Mortgage Companies
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Louisiana for USDA Loans
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does RESIDENTIAL ACCEPTANCE CORPORATION offer?

RESIDENTIAL ACCEPTANCE CORPORATION offers the following mortgage loan types: FHA, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RESIDENTIAL ACCEPTANCE CORPORATION offer mortgages?

RESIDENTIAL ACCEPTANCE CORPORATION offers mortgages in 16 states: AL, AR, CO, FL, GA, IL, LA, MD, MI, MS, NC, OH, PA, SC, TN, TX.

### How competitive are RESIDENTIAL ACCEPTANCE CORPORATION's mortgage rates?

RESIDENTIAL ACCEPTANCE CORPORATION has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.112% above market average.

### What type of lender is RESIDENTIAL ACCEPTANCE CORPORATION?

RESIDENTIAL ACCEPTANCE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Tampa, FL.

### What is RESIDENTIAL ACCEPTANCE CORPORATION's loan approval success rate?

RESIDENTIAL ACCEPTANCE CORPORATION has a pull-through score of 79/100 (Strong). 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/residential-acceptance

### How to Cite

> "RESIDENTIAL ACCEPTANCE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/residential-acceptance

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