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Resicentral LLC

Larkspur, CA

Resicentral LLC processed 7,013 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 4,581 loans with a 3.8% denial rate. Home Purchase was the primary loan purpose. Based in Larkspur, CA. The approval rate of 65.3% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Resicentral LLC's 65.3% origination rate tells you how often an application turned into funded money; the 3.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (5,787 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

7,013
Applications
4,581
Originated
3.8%
Denial Rate
$423,440
Avg Loan Amount
Avg Interest Rate: 6.705% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 5,787 3,866 177 $425,064
FHA 910 516 77 $394,077
VA 316 199 15 $478,259

Top loan types - Resicentral LLC

Top loan types - Resicentral LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types - Resicentral LLC Top 3 1. Conventional 5,787 2. FHA 910 3. VA 316 Top 5 loan types by application volume at Resicentral LLC (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Resicentral LLC (LEI: 549300323EON4W3CCM44) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
162
Collateral
50
Unverifiable information
33
Credit history
18
Employment history
10
Other
8
Insufficient cash
3
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 5,112 3,497 $424,347
Refinancing 1,117 614 $482,699
Cash-out Refinancing 752 455 $336,210
Home Improvement 32 15 $260,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 3,598 67.7% 3.8%
Asian 1,556 71.1% 2.6%
Black or African American 341 56.6% 11.1%
Joint 153 71.9% 2.0%
American Indian or Alaska Native * 31 54.8% 0.0%
2 or more minority races * 9 88.9% 0.0%
Native Hawaiian or Other Pacific Islander * 8 75.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 4,700 69.3% 3.6%
Hispanic or Latino 795 59.8% 5.8%
Joint 215 67.4% 4.2%

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare Resicentral LLC vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Resicentral LLC process?
Resicentral LLC processed 7,013 mortgage applications in the 2024 HMDA reporting year. Of these, 4,581 were originated (approved and funded), 1,736 were withdrawn by the applicant, and 269 were denied.
What is Resicentral LLC's mortgage approval rate?
Resicentral LLC has an approval (origination) rate of 65.3%, meaning 65.3% of all applications resulted in a funded mortgage. The denial rate is 3.8%.
What is the average loan amount at Resicentral LLC?
The average mortgage loan amount at Resicentral LLC is $423,440. The average interest rate is 6.705%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at Resicentral LLC?
The most common reasons for mortgage denial at Resicentral LLC are: Debt-to-income ratio, Collateral, Unverifiable information. In total, 269 applications were denied out of 7,013 total applications.
What types of mortgage loans does Resicentral LLC offer?
Resicentral LLC processes Conventional, FHA, VA loans. The most common type is Conventional with 5,787 applications and an average loan amount of $425,064.
What loan purposes does Resicentral LLC serve?
Resicentral LLC serves the following loan purposes: Home Purchase (5,112 applications), Refinancing (1,117 applications), Cash-out Refinancing (752 applications), Home Improvement (32 applications). Home Purchase is the most common purpose.
Where is Resicentral LLC located?
Resicentral LLC is headquartered in Larkspur, CA. The lender is identified by LEI 549300323EON4W3CCM44 in HMDA data.
How does Resicentral LLC compare in lending across racial demographics?
Resicentral LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 67.7% and denial rate of 3.8%; Asian applicants have an approval rate of 71.1% and denial rate of 2.6%; Black or African American applicants have an approval rate of 56.6% and denial rate of 11.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.