Resicentral
We analyzed every closed loan from Resicentral — 3.9k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 49 mkts
Awards
FHA
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Resicentral performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,226 | 82.4% | +0.305%Above | $1,304Fees | ||||
FHA Loans | 487 | 12.4% | +0.303%Above | $1,962Fees | ||||
VA Loans | 181 | 4.6% | -0.411%Below | $1,292Fees | ||||
Jumbo Loans | 23 | 0.6% | +0.369%Above | $968Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume3,226
Mix82.4%
Spread
+0.305%Above
Fees
$1,304Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume487
Mix12.4%
Spread
+0.303%Above
Fees
$1,962Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume181
Mix4.6%
Spread
-0.411%Below
Fees
$1,292Fees
Jumbo Loans
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume23
Mix0.6%
Spread
+0.369%Above
Fees
$968Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,050 | 77.9% | +0.285%Above | $1,571Fees | ||||
Refinance | 867 | 22.1% | +0.257%Above | $764Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume3,050
Mix77.9%
Spread
+0.285%Above
Fees
$1,571Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume867
Mix22.1%
Spread
+0.257%Above
Fees
$764Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,917
Applications
6,050
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.279%
vs. market APOR
Avg Net Fees
$1,390
Origination − Credits
Pullthrough Rate
64.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$429,289
Avg Borrower Income
$169,438
Avg Property Value
$583,989
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
30Northeast4
CTNHNJPA
Midwest5
ILMIMNOHWI
South13
ALARDCFLGAKYLAMDNCSCTNTXVA
West8
AZCACOIDMTORUTWA
Top Metro Areas by Place Specialization Score
Volume 378Mix 9.65% of portfolio
76/100
Strong
Volume 162Mix 4.14% of portfolio
68/100
Strong
Volume 52Mix 1.33% of portfolio
67/100
Strong
Volume 122Mix 3.11% of portfolio
66/100
Strong
Volume 150Mix 3.83% of portfolio
65/100
Strong
Volume 81Mix 2.07% of portfolio
65/100
Strong
Volume 112Mix 2.86% of portfolio
63/100
Strong
Volume 108Mix 2.76% of portfolio
63/100
Strong
Volume 73Mix 1.86% of portfolio
63/100
Strong
Volume 111Mix 2.83% of portfolio
62/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
IllinoisState
Volume 476Mix 12.15% of portfolio
76/100
Strong2
CaliforniaState
Volume 738Mix 18.84% of portfolio
74/100
Strong3
ColoradoState
Volume 240Mix 6.13% of portfolio
69/100
Strong4
WashingtonState
Volume 188Mix 4.80% of portfolio
68/100
Strong5
UtahState
Volume 181Mix 4.62% of portfolio
68/100
Strong6
South CarolinaState
Volume 159Mix 4.06% of portfolio
68/100
Strong7
TexasState
Volume 328Mix 8.37% of portfolio
66/100
Strong8
ArizonaState
Volume 189Mix 4.83% of portfolio
66/100
Strong9
MichiganState
Volume 190Mix 4.85% of portfolio
64/100
Strong10
FloridaState
Volume 288Mix 7.35% of portfolio
64/100
StrongShowing 10 of 27 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.