# STARBOARD FINANCIAL MANAGEMENT, LLC

> **Canonical URL:** https://saferate.com/lenders/starboard-financial-management


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


STARBOARD FINANCIAL MANAGEMENT, LLC is a independent mortgage company, headquartered in MESA, AZ, serving borrowers across 4 states, with 154 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300C4RD3C53QCM649
- **Headquarters:** MESA, AZ
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, CA, UT, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.300%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,762
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 154
- **Dollar Volume:** $59 million
- **Applications Received:** 225
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $386,104
- **Average Borrower Income:** $145,474
- **Average Property Value:** $531,558

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 99 | +0.281% | $3,021 | Sound ☺️ |
| FHA | 56/100 | 37 | +0.466% | $5,704 | Sound ☺️ |
| VA | 57/100 | 16 | -0.188% | $3,693 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 71 loans, Score: 30/100 (Acceptable)
- Refinance: 28 loans, Score: 37/100 (Acceptable)

**FHA:**
- Purchase: 34 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 122 | $47M | +0.329% | Sound ☺️ |
| Refinance | 36/100 | 32 | $13M | +0.197% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 144 | 0.14% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 108 | 71/100 |
| Flagstaff, AZ | AZ | 18 | 66/100 |

## Where This Lender Ranks

STARBOARD FINANCIAL MANAGEMENT, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Flagstaff, AZ for VA Loans
  - [View Full Rankings](https://saferate.com/flagstaff-az/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Flagstaff, AZ for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flagstaff-az/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Flagstaff, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flagstaff-az/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does STARBOARD FINANCIAL MANAGEMENT, LLC offer?

STARBOARD FINANCIAL MANAGEMENT, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does STARBOARD FINANCIAL MANAGEMENT, LLC offer mortgages?

STARBOARD FINANCIAL MANAGEMENT, LLC offers mortgages in 4 states: AZ, CA, UT, WA.

### How competitive are STARBOARD FINANCIAL MANAGEMENT, LLC's mortgage rates?

STARBOARD FINANCIAL MANAGEMENT, LLC has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.300% above market average.

### What type of lender is STARBOARD FINANCIAL MANAGEMENT, LLC?

STARBOARD FINANCIAL MANAGEMENT, LLC is a non-depository lender that specializes in mortgage origination, headquartered in MESA, AZ.

### What is STARBOARD FINANCIAL MANAGEMENT, LLC's loan approval success rate?

STARBOARD FINANCIAL MANAGEMENT, LLC has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/starboard-financial-management

### How to Cite

> "STARBOARD FINANCIAL MANAGEMENT, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/starboard-financial-management

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