Purchase Originations
3,802
Ranked #131 nationally
Median Total Costs
$8,047
+20.5% vs national ($6,680)
↓ $47 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$2,404
Median Lender Credits
$2,492
Cost Rank (500+ vol.)
#443
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,999 | 6.490% | $7,058 | $2,951 |
| fha | 589 | 6.125% | $12,913 | $1,539 |
| va | 214 | 6.250% | $7,060 | $504 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 706 | 6.375% | $9,832 | #59 |
| Florida | 557 | 6.375% | $8,656 | #82 |
| Illinois | 419 | 6.625% | $7,838 | #57 |
| Texas | 386 | 6.433% | $7,971 | #137 |
| Colorado | 235 | 6.250% | $6,330 | #69 |
| Minnesota | 203 | 6.625% | $7,543 | #62 |
| Washington | 136 | 6.490% | $9,357 | #90 |
| Arizona | 130 | 6.312% | $7,265 | #88 |
| North Carolina | 124 | 6.490% | $6,452 | #134 |
| Utah | 118 | 6.375% | $5,210 | #51 |
| South Carolina | 112 | 6.375% | $7,287 | #112 |
| New Jersey | 76 | 6.490% | $11,169 | #127 |
| Georgia | 75 | 6.375% | $8,016 | #160 |
| Tennessee | 69 | 6.375% | $8,128 | #159 |
| Pennsylvania | 67 | 6.490% | $8,771 | #192 |
| Oregon | 59 | 6.490% | $8,591 | #91 |
| Ohio | 46 | 6.375% | $4,531 | — |
| Virginia | 46 | 6.375% | $9,022 | — |
| Michigan | 38 | 6.688% | $5,086 | — |
| Alabama | 26 | 6.433% | $5,488 | — |
| Maryland | 25 | 6.490% | $9,537 | — |
| Idaho | 24 | 6.188% | $10,642 | — |
| Louisiana | 21 | 6.625% | $5,143 | — |
| Kentucky | 20 | 6.250% | $4,150 | — |
| Connecticut | 19 | 6.490% | $7,145 | — |
| Wisconsin | 19 | 6.375% | $5,171 | — |
| New Hampshire | 16 | 6.562% | $8,523 | — |
| Mississippi | 11 | 6.250% | $4,831 | — |
| Indiana | 7 | 6.125% | $4,958 | — |
| Arkansas | 3 | 6.125% | $8,998 | — |
| Iowa | 3 | 6.125% | $4,543 | — |
| Montana | 2 | 5.990% | $11,893 | — |
| Oklahoma | 2 | 6.240% | $6,316 | — |
| Maine | 1 | 6.250% | $6,898 | — |
| Nebraska | 1 | 5.875% | $2,321 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,607 | 6.490% | — | 33 | −$2,440 | |
| 2 | $5,621 | 6.490% | — | 39 | −$2,426 | |
| 3 | $6,102 | 6.490% | — | 48 | −$1,945 | |
| 4 | $6,666 | 6.250% | — | 87 | −$1,381 | |
| 5 | $6,935 | 6.490% | — | 34 | −$1,112 | |
| 6 | $6,975 | 6.375% | — | 36 | −$1,072 | |
| 7 | $7,063 | 6.625% | — | 47 | −$984 | |
| 8 | $7,288 | 6.312% | — | 42 | −$759 | |
| 9 | $7,501 | 6.490% | — | 74 | −$546 | |
| 10 | $7,666 | 6.375% | — | 34 | −$381 | |
| 11 | $8,011 | 6.490% | — | 60 | −$36 | |
| 12 | $8,090 | 6.490% | — | 41 | +$43 | |
| 13 | $8,136 | 6.375% | — | 36 | +$89 | |
| 14 | $8,153 | 6.625% | — | 241 | +$106 | |
| 15 | $9,738 | 6.433% | — | 58 | +$1,691 | |
| 16 | $11,091 | 6.490% | — | 59 | +$3,044 | |
| 17 | $11,626 | 6.375% | — | 59 | +$3,579 | |
| 18 | $12,326 | 6.375% | — | 39 | +$4,279 | |
| 19 | $13,273 | 6.250% | — | 184 | +$5,226 | |
| 20 | $14,442 | 6.125% | — | 56 | +$6,395 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Resicentral, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,047 | $7,127 | +$920 (+12.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.