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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
3,226 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
FHA
487 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
VA
181 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
Jumbo
23 loans · 0.37% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
3,050 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
867 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
3/5
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
30Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast4
CTNHNJPA
Midwest5
ILMIMNOHWI
South13
ALARDCFLGAKYLAMDNCSCTNTXVA
West8
AZCACOIDMTORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 27 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.