ResiCentral
- Company typePrivate
- Founded2019
- HeadquartersTempe, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
ResiCentral firmographics
Firmographics- Name
- ResiCentral
- Legal name
- ResiCentral, LLC
- Website
- https://resicentral.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where ResiCentral is headquartered
LocationHeadquarters
- HQ city
- Tempe
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
ResiCentral business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Loan Origination: ResiCentral generates revenue through mortgage loan origination fees, serving as a wholesale lender that processes loans submitted by mortgage broker partners. The company offers various loan products including conforming, VA, FHA, Jumbo, and Non-QM programs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Daily rate sheets available for partners |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
ResiCentral product offering
Product offeringCore offering
ResiCentral operates as a wholesale residential mortgage lender that funds loans originated by licensed mortgage brokers and correspondent lenders across the United States. It delivers a digital platform (TPO Connect) combined with an AI loan pricing assistant, and offers a broad product lineup spanning conforming, VA, FHA, Jumbo, Non-QM, and Manufactured Housing programs. Revenue is generated through origination fees on funded loans plus servicing of those loans post-close.
Product overview
ResiCentral is a licensed mortgage lender offering a comprehensive suite of wholesale mortgage products through its TPO Connect broker portal. The portfolio includes Conforming Loan Programs (Fixed-Rate, ARM, HomeReady, Home Possible, RefiNow), VA Programs, FHA Programs, Jumbo Programs (up to $3M), and Non-QM Programs (DSCR, Bank Statement, Full Doc). The company differentiates through its AI Assistant for loan pricing via conversational chat, Manufactured Housing Program with as low as 3% down payments, and fast turn times. Supporting services include daily rate sheets, loan servicing through an online portal and mobile app, and dedicated broker support teams.
Differentiator
Problem solved
Functional benefit
Brands
- TPO Connect: A wholesale lending platform portal available at wholesale.resicentral.com for broker partners to submit and manage loans.
Products and services
- Conforming Loan Programs Wholesale conforming mortgage products offered to licensed mortgage brokers for qualified borrowers, including Fixed-Rate and Adjustable-Rate Mortgages, HomeReady, Home Possible, RefiNow, and Manufactured Housing programs.
- VA Programs Veterans Affairs mortgage products available to licensed mortgage brokers, providing favorable lending terms to U.S. veterans through Fixed-Rate Mortgages and IRRRL refinance options.
- FHA Programs FHA-insured mortgage products offered to licensed mortgage brokers for credit-challenged or thin-filed borrowers, first-time buyers, and lower-income families, including FHA Streamline 30-year fixed-rate options.
- Jumbo Programs Jumbo mortgage products up to $3 million for licensed mortgage brokers, offered with competitive rates, simplified guidelines, and fast closing, in both Fixed-Rate and Adjustable-Rate Mortgage structures.
- Non-QM Programs Non-Qualified Mortgage products available to licensed mortgage brokers for borrowers with non-standard income or unique scenarios, including DSCR (Debt Service Coverage Ratio), Bank Statement, and Full Doc/Express Doc/Asset Utilization/1099/12-24 Month P&L programs in fixed and adjustable rate structures.
- TPO Connect Third-Party Origination wholesale broker portal at wholesale.resicentral.com giving licensed mortgage brokers and correspondent lenders a single digital platform to submit, price, lock, and manage loan files through funding with ResiCentral.
- Loan Servicing Post-closing mortgage servicing for ResiCentral-funded loans, providing borrowers with online LoanSphere payments, ACH/autopay, phone and mail-in payment options, statements, and customer service support, accessible via web and a borrower-facing mobile app.
Companies that use ResiCentral
Customer profileNamed customers7 records
Segments2 records
Ideal customer profiles2 records
ResiCentral technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature2 records
ResiCentral partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
ResiCentral competitors and assessment
Company assessmentDirect peers
- United Wholesale Mortgage: United Wholesale Mortgage (UWM) is the largest wholesale mortgage lender in the US, operating exclusively through the broker channel with a comprehensive product suite and scaled broker relationships. Direct competitor to ResiCentral in serving mortgage brokers via TPO-style platforms.
- Rocket Pro TPO: Rocket Pro TPO is the wholesale division of Rocket Mortgage, one of the largest US mortgage originators. Operates a broker-facing platform with broad product offerings, directly competing with ResiCentral for broker-originated loan volume.
- Homepoint: Homepoint is a wholesale and correspondent mortgage lender focused on the broker channel, offering agency and non-agency products. Direct comparable to ResiCentral in target customer, channel focus, and product breadth.
- NewRez (formerly New Penn Financial): NewRez is a national mortgage lender with significant wholesale and retail origination, offering agency, government, and non-QM products. Competes with ResiCentral in the wholesale broker channel across multiple product categories.
- Caliber Home Loans: Caliber Home Loans is a national mortgage originator with wholesale, retail, and correspondent channels, including a Non-QM specialty unit (Caliber Wholesale). Direct peer competing with ResiCentral's wholesale broker and non-QM offerings.
- Planet Home Lending: Planet Home Lending is a national mortgage lender operating wholesale, correspondent, and retail channels with strong non-QM and specialty product offerings. Comparable to ResiCentral in channel mix and product breadth including manufactured housing.
- PRMG (Paramount Residential Mortgage Group): PRMG is a major independent mortgage bank operating wholesale, retail, and correspondent channels with broad product menu including government, conventional, and non-QM. Direct competitor for broker-originated loans.
- loanDepot Wholesale (mello): loanDepot operates a wholesale channel (mello) serving mortgage brokers with a comprehensive product suite. Direct competitor to ResiCentral in the broker channel with similar agency and non-QM offerings.
Emerging players
- Kind Lending: Kind Lending is a newer wholesale-focused mortgage lender built on digital-first infrastructure, targeting independent mortgage brokers. Comparable to ResiCentral as a smaller, tech-forward wholesale lender competing for the same broker relationships.
- Deephaven Mortgage: Deephaven Mortgage is a non-QM focused wholesale and correspondent lender specializing in non-conforming products like DSCR, bank statement, and asset utilization loans. Overlaps with ResiCentral's non-QM product suite and wholesale broker channel focus.
Market position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ResiCentral social profiles
Digital presenceResiCentral financial estimates
Financial estimateRevenue estimate
Valuation estimate
ResiCentral leadership team
Management profileNumber of profiles
ResiCentral funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ResiCentral M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ResiCentral
What does ResiCentral do?
ResiCentral operates as a wholesale residential mortgage lender that funds loans originated by licensed mortgage brokers and correspondent lenders across the United States. It delivers a digital platform (TPO Connect) combined with an AI loan pricing assistant, and offers a broad product lineup spanning conforming, VA, FHA, Jumbo, Non-QM, and Manufactured Housing programs. Revenue is generated through origination fees on funded loans plus servicing of those loans post-close.
Is ResiCentral a public or private company?
ResiCentral is a private company. It is classified as unknown and is currently operating.
When was ResiCentral founded?
ResiCentral was founded in 2019. It employs 101 to 250 people.
Where is ResiCentral based?
ResiCentral is headquartered in Tempe, United States, in the North America region.
How does ResiCentral make money?
One revenue line is on record: mortgage Loan Origination.
Who are ResiCentral's main competitors?
Direct peers on record are United Wholesale Mortgage, Rocket Pro TPO, Homepoint, NewRez (formerly New Penn Financial), Caliber Home Loans, Planet Home Lending, PRMG (Paramount Residential Mortgage Group) and loanDepot Wholesale (mello). Emerging players are Kind Lending and Deephaven Mortgage.
Does ResiCentral have an API?
No public API is recorded for ResiCentral.