Resicentral, LLC mortgage approval rate & lending review
Resicentral, LLC decided 12,397 mortgage applications and funded 10,807 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Resicentral, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to resicentral.com.
Resicentral, LLC at a glance
Approval is 10.3 points above the 84.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 7,524 / 7,947 | 94% | $405K | 7,040 |
| Home improvement loans | 92% | 45 / 49 | 82% | $215K | 37 |
| Cash-out refinance | 92% | 871 / 943 | 89% | $285K | 778 |
| Refinance | 96% | 1,326 / 1,385 | 90% | $435K | 1,196 |
| Investment property purchase | 94% | 1,356 / 1,438 | 91% | $285K | 1,231 |
| Investment cash-out refinance | 89% | 336 / 376 | 88% | $255K | 297 |
| Investment refinance | 95% | 235 / 247 | 92% | $445K | 217 |
Resicentral, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 94% | $685K | 2,689 | 2,301 |
| Illinois | 94% | $315K | 1,655 | 1,431 |
| Florida | 92% | $345K | 1,361 | 1,144 |
| Texas | 95% | $345K | 1,307 | 1,126 |
| Colorado | 96% | $505K | 737 | 661 |
| Arizona | 95% | $405K | 553 | 492 |
| Washington | 95% | $585K | 514 | 453 |
| Utah | 94% | $445K | 447 | 387 |
| South Carolina | 96% | $275K | 435 | 388 |
| Michigan | 99% | $455K | 352 | 339 |
| North Carolina | 97% | $395K | 337 | 311 |
| Minnesota | 97% | $345K | 306 | 284 |
| New Jersey | 92% | $485K | 280 | 235 |
| Georgia | 92% | $365K | 248 | 207 |
| Oregon | 97% | $365K | 183 | 164 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Resicentral, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 92% | 613 | 536 |
| San Diego County, CA | Mortgage lenders | 93% | 322 | 278 |
| Cook County, IL | Refinance | 95% | 132 | 111 |
| DuPage County, IL | Mortgage lenders | 97% | 114 | 105 |
| Salt Lake County, UT | Mortgage lenders | 95% | 116 | 99 |
| Santa Clara County, CA | Mortgage lenders | 94% | 98 | 83 |
| Lake County, IL | Mortgage lenders | 94% | 98 | 81 |
| Oakland County, MI | Refinance | 100% | 80 | 79 |
| Snohomish County, WA | Mortgage lenders | 93% | 88 | 77 |
| Alameda County, CA | Mortgage lenders | 94% | 87 | 76 |
| Cook County, IL | Investment property purchase | 85% | 99 | 74 |
| Utah County, UT | Mortgage lenders | 96% | 73 | 63 |
The county markets where Resicentral, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Resicentral, LLC
What is Resicentral, LLC's mortgage approval rate?
Resicentral, LLC approved 94.4% of the 12,397 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.3 points above the 84.1% national rate for the same mix of loan types.
How often do borrowers take the loan Resicentral, LLC offers?
Borrowers accepted 92% of the loans Resicentral, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Resicentral, LLC make?
The typical home purchase mortgage loan Resicentral, LLC made was $405K; across all loan types its typical loan ran from $215K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Resicentral, LLC lend?
Resicentral, LLC decided applications in 34 of the states Fat Boy Data covers, most of them in California, Illinois and Florida.
Can I apply to Resicentral, LLC directly?
Yes. Resicentral, LLC reports as a direct lender that takes applications from borrowers. Its website is resicentral.com.
Does this page show Resicentral, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Resicentral, LLC treats applications, then get a rate quote from the lender.