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Claim this ProfileRight Start Mortgage
We analyzed every closed loan from Right Start Mortgage — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 29 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 75 basis points above market average
- Higher than average fees ($4,442)
Explore another lender or local market
Report Card
Right Start Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+74.6 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
892 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
FHA
1,174 loans · 1.05% above market
Exceptional
Top 20% of lenders
5/5
VA
190 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,145 loans · 0.77% above market
Exceptional
Top 20% of lenders
5/5
Refinance
136 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 30 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 892 | 39.1% | +0.555%Above | $4,280Fees | ||||
FHA Loans | 1,174 | 51.5% | +1.053%Above | $4,584Fees | ||||
VA Loans | 190 | 8.3% | -0.079%Below | $4,619Fees | ||||
USDA Loans | — | 22 | 1.0% | +0.640%Above | $2,823Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume892
Mix39.1%
Spread
+0.555%Above
Fees
$4,280Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,174
Mix51.5%
Spread
+1.053%Above
Fees
$4,584Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume190
Mix8.3%
Spread
-0.079%Below
Fees
$4,619Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix1.0%
Spread
+0.640%Above
Fees
$2,823Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,145 | 94.0% | +0.769%Above | $4,473Fees | ||||
Refinance | 136 | 6.0% | +0.426%Above | $3,998Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,145
Mix94.0%
Spread
+0.769%Above
Fees
$4,473Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume136
Mix6.0%
Spread
+0.426%Above
Fees
$3,998Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,281
Applications
3,121
Volume
$706 million
Pricing & Closing
Avg Rate Spread
+0.746%
vs. market APOR
Avg Net Fees
$4,442
Origination − Credits
Pullthrough Rate
73.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,590
Avg Borrower Income
$119,871
Avg Property Value
$356,372
Geographic Coverage
Geographic Performance
Metro Areas
29
markets with activity
States Served
25
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
25Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest4
INKSNEOH
South12
ALARFLGAKYLAMSNCOKSCTNTX
West9
AZCACOIDMTNMNVORWA
Top Metro Areas by Place Specialization Score
9© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 76Mix 3.33% of portfolio
64/100
Strong
Showing 10 of 29 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.