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RESICENTRAL, LLC
Independent Mortgage Company|WILMINGTON, DE|Near-National
Loans Originated
3,917
Applications
6,050
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.279%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,390
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Report Card
RESICENTRAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$429,289
Average Borrower Income
$169,438
Average Property Value
$583,989
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 3,226 | 82.4% | +0.305% | $1,304 |
FHA Loans | Strong | Strong | Strong | Sound | 487 | 12.4% | +0.303% | $1,962 |
VA Loans | Strong | Strong | Strong | Strong | 181 | 4.6% | -0.411% | $1,292 |
Jumbo Loans | Sound | Sound | Sound | Acceptable | 23 | 0.6% | +0.369% | $968 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 3,050 | 77.9% | +0.285% | $1,571 |
Refinance | Strong | Strong | Sound | Strong | 867 | 22.1% | +0.257% | $764 |
Geographic Coverage
Metro Areas
49
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCFLGAIDILKYLAMDMIMNMTNCNHNJOHORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 378Mix: 9.65%
Place Specialization
Strong
2
Denver, COMSA
Volume: 162Mix: 4.14%
Place Specialization
Strong
3
Lake County, IL, ILMSA
Volume: 52Mix: 1.33%
Place Specialization
Strong
4
San Diego, CAMSA
Volume: 122Mix: 3.11%
Place Specialization
Strong
5
Phoenix, AZMSA
Volume: 150Mix: 3.83%
Place Specialization
Strong
6
Oakland, CAMSA
Volume: 81Mix: 2.07%
Place Specialization
Strong
7
Los Angeles, CAMSA
Volume: 112Mix: 2.86%
Place Specialization
Strong
8
Warren, MIMSA
Volume: 108Mix: 2.76%
Place Specialization
Strong
9
Raleigh, NCMSA
Volume: 73Mix: 1.86%
Place Specialization
Strong
10
Dallas, TXMSA
Volume: 111Mix: 2.83%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 476Mix: 12.15%
Place Specialization
Strong
2
CAState
Volume: 738Mix: 18.84%
Place Specialization
Strong
3
COState
Volume: 240Mix: 6.13%
Place Specialization
Strong
4
WAState
Volume: 188Mix: 4.80%
Place Specialization
Strong
5
UTState
Volume: 181Mix: 4.62%
Place Specialization
Strong
6
SCState
Volume: 159Mix: 4.06%
Place Specialization
Strong
7
TXState
Volume: 328Mix: 8.37%
Place Specialization
Strong
8
AZState
Volume: 189Mix: 4.83%
Place Specialization
Strong
9
MIState
Volume: 190Mix: 4.85%
Place Specialization
Strong
10
FLState
Volume: 288Mix: 7.35%
Place Specialization
Strong
Showing 10 of 27 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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