Question 1

What are Resicentral, LLC's average closing costs?

Accepted Answer

Based on 5,050 homebuyer-submitted Closing Disclosures, Resicentral, LLC's median total closing costs are $7,476. This is about 143% above the $3,071 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does Resicentral, LLC charge junk fees?

Accepted Answer

None of the 5,050 Closing Disclosures we've analyzed for Resicentral, LLC included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Resicentral, LLC's fees compare to other lenders?

Accepted Answer

Resicentral, LLC currently holds a grade of C on Fair Closing Check, placing them near the national average for comparable lenders. Their median closing costs of $7,476 are about 143% above the $3,071 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Resicentral, LLC?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Resicentral, LLC's origination fee (avg $4,351) runs above the peer average of $1,671, making it worth challenging specifically. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Resicentral, LLC's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Resicentral, LLC, three fee categories tend to run above comparable lenders: lender credits (avg $3,694 vs $449 peer avg, +$3,246), origination fee (avg $4,351 vs $1,671 peer avg, +$2,680), and discount points (avg $2,413 vs $2,205 peer avg, +$209). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Resicentral, LLC's closing costs vary by state?

Accepted Answer

Resicentral, LLC's closing costs vary significantly by state. Based on the 33 states in our database with at least 3 reports, median total closing costs range from $3,085 in Nebraska to $10,537 in New Jersey — a $7,452 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$4,351	$1,671	🔺 High
lender_credits	$3,694	$449	🔺 High
discount_points	$2,413	$2,205	🟡 Average

Resicentral, LLC

Resicentral, LLC Closing Cost Breakdown

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