Applications / Mortgage Analytics / Lenders / California / ResiCentral
Larkspur, CA · Independent non-bank lender · CFPB · 5,418 loans in 2025
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5,418
loans originated, 2025
8,059
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ResiCentral, a California non-bank lender that first reported in 2022, has more than tripled since then, reaching 5,418 loans in 36 states in 2025.
The lender made 1,545 loans in 2022 and 4,581 in 2024, the year its volume jumped. In 2025 its loans rose 18%, against 11% for the typical similar lender (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Three loans in four were home purchases.
Conventional loans made up 81.7% of its lending, against 64.7% at similar lenders; FHA loans (insured by the Federal Housing Administration) were 13.1%, about half the share at its peers. That may help explain its lower prices. Only 0.7% of its loans were higher-priced (a rate well above the average for similar loans), against 2.6% at peers, and its typical rate of 6.49% was lower than about three in four of them.
Some 31.6% of its loans went to majority-minority neighborhoods, more than at two-thirds of similar lenders. Its share to low- and moderate-income borrowers, 22.6%, was lower than at most peers, though up from 16.7% in 2024. Larger loans, typically $365,000 against $315,000, and less FHA lending may account for that.
It is a small player everywhere. In San Diego its share rose from 0.3% to 0.5%, ranking it 37 of 639 lenders. In Denver its share held at 0.3%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ResiCentral took 8,059 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.1% · Refinance 24.5% · Home improvement 0.4%
Conventional 81.7% · FHA 13.1% · VA 5.1% · of 5,418 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,108 | 20.5% |
| Florida | 702 | 13.0% |
| Illinois | 626 | 11.6% |
| Texas | 527 | 9.7% |
| Colorado | 377 | 7.0% |
| Minnesota | 244 | 4.5% |
| Arizona | 204 | 3.8% |
| Washington | 202 | 3.7% |
| Utah | 167 | 3.1% |
| South Carolina | 161 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 515 |
| San Diego-Chula Vista-Carlsbad | 258 |
| Denver-Aurora-Centennial | 248 |
| Minneapolis-St. Paul-Bloomington | 221 |
| Houston-Pasadena-The Woodlands | 167 |
| Phoenix-Mesa-Chandler | 154 |
| Riverside-San Bernardino-Ontario | 123 |
| Sacramento-Roseville-Folsom | 116 |
| Oakland-Fremont-Berkeley | 113 |
| Tampa | 108 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300323EON4W3CCM44 | 2022–2025 |
Established 29 August 2019. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: ResiCentral's data.
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