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RIGHT START MORTGAGE, INC.
Independent Mortgage Company|PASADENA, CA|Near-National
Loans Originated
2,281
Applications
3,121
Volume
$706 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.746%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,442
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.1%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
RIGHT START MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 30 metro areas · 25 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$309,590
Average Borrower Income
$119,871
Average Property Value
$356,372
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 892 | 39.1% | +0.555% | $4,280 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,174 | 51.5% | +1.053% | $4,584 |
VA Loans | Sound | Strong | Mediocre | Strong | 190 | 8.3% | -0.079% | $4,619 |
USDA Loans | Strong | Strong | N/A | Strong | 22 | 1.0% | +0.640% | $2,823 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 2,145 | 94.0% | +0.769% | $4,473 |
Refinance | Acceptable | Strong | Mediocre | Sound | 136 | 6.0% | +0.426% | $3,998 |
Geographic Coverage
Metro Areas
29
States Served
25
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAIDINKSKYLAMSMTNCNENMNVOHOKORSCTNTXWA
Top Metro Areas by Place Specialization Score
1
McAllen, TXMSA
Volume: 177Mix: 7.76%
Place Specialization
Exceptional
2
Odessa, TX, TXMSA
Volume: 84Mix: 3.68%
Place Specialization
Exceptional
3
Amarillo, TX, TXMSA
Volume: 214Mix: 9.38%
Place Specialization
Exceptional
4
San Antonio, TXMSA
Volume: 387Mix: 16.97%
Place Specialization
Exceptional
5
Brownsville, TXMSA
Volume: 46Mix: 2.02%
Place Specialization
Strong
6
Miami, FLMSA
Volume: 125Mix: 5.48%
Place Specialization
Strong
7
Dallas, TXMSA
Volume: 147Mix: 6.44%
Place Specialization
Strong
8
Laredo, TX, TXMSA
Volume: 35Mix: 1.53%
Place Specialization
Strong
9
Fort Worth, TXMSA
Volume: 76Mix: 3.33%
Place Specialization
Strong
10
Boise City, ID, IDMSA
Volume: 67Mix: 2.94%
Place Specialization
Strong
Showing 10 of 29 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,525Mix: 66.86%
Place Specialization
Exceptional
2
FLState
Volume: 264Mix: 11.57%
Place Specialization
Strong
3
IDState
Volume: 69Mix: 3.02%
Place Specialization
Sound
4
WAState
Volume: 63Mix: 2.76%
Place Specialization
Sound
5
AZState
Volume: 59Mix: 2.59%
Place Specialization
Sound
6
OKState
Volume: 41Mix: 1.80%
Place Specialization
Sound
7
NMState
Volume: 31Mix: 1.36%
Place Specialization
Sound
8
TNState
Volume: 48Mix: 2.10%
Place Specialization
Sound
9
GAState
Volume: 41Mix: 1.80%
Place Specialization
Sound
10
COState
Volume: 26Mix: 1.14%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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