What loan types does Right Start Mortgage offer?

Right Start Mortgage offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Right Start Mortgage offer mortgages?

Right Start Mortgage offers mortgages in 25 states: AL, AR, AZ, CA, CO, FL, GA, ID, IN, KS, KY, LA, MS, MT, NC, NE, NM, NV, OH, OK, OR, SC, TN, TX, WA.

How competitive are Right Start Mortgage's mortgage rates?

Right Start Mortgage has an overall pricing score of 11/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Right Start Mortgage?

Right Start Mortgage is a Independent Mortgage Company headquartered in PASADENA, CA.

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Right Start Mortgage

Independent Mortgage Company•Pasadena, CAHQ•Direct•Reviews near you on Google

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

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

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 30 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$4,280Fees
FHA Loans	Sound	Exceptional	Mediocre	Exceptional	1,174	51.5%	+1.053%Above	$4,584Fees
VA Loans	Sound	Strong	Mediocre	Strong	190	8.3%	-0.079%Below	$4,619Fees
USDA Loans	Strong	Strong	—	Strong	22	1.0%	+0.640%Above	$2,823Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume892

Mix39.1%

Spread

+0.555%Above

Fees

$4,280Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume1,174

Mix51.5%

Spread

+1.053%Above

Fees

$4,584Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume190

Mix8.3%

Spread

-0.079%Below

Fees

$4,619Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

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	Sound	Exceptional	Mediocre	Strong	2,145	94.0%	+0.769%Above	$4,473Fees
Refinance	Sound	Strong	Mediocre	Sound	136	6.0%	+0.426%Above	$3,998Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume2,145

Mix94.0%

Spread

+0.769%Above

Fees

$4,473Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest4

INKSNEOH

South12

ALARFLGAKYLAMSNCOKSCTNTX

West9

AZCACOIDMTNMNVORWA

Top Metro Areas by Place Specialization Score

1© Mig Esc · CC BY 3.0

McAllen, TXMetro

Volume 177Mix 7.76% of portfolio

87/100

Exceptional

2© Vasiliymeshko · CC BY 4.0

Odessa, TXMetro

Volume 84Mix 3.68% of portfolio

85/100

Exceptional

3© Samuel Capps · Public domain

Amarillo, TXMetro

Volume 214Mix 9.38% of portfolio

83/100

Exceptional

4© Medialecent · CC BY 4.0

San Antonio, TXMetro

Volume 387Mix 16.97% of portfolio

80/100

Exceptional

5© Michael Martin from Cypress, Texas · CC BY-SA 2.0

Brownsville, TXMetro

Volume 46Mix 2.02% of portfolio

73/100

Strong

Miami, FLMetro

Volume 125Mix 5.48% of portfolio

69/100

Strong

Dallas, TXMetro

Volume 147Mix 6.44% of portfolio

67/100

Strong

Laredo, TXMetro

Volume 35Mix 1.53% of portfolio

67/100

Strong

Fort Worth, TXMetro

Volume 76Mix 3.33% of portfolio

64/100

Strong

Boise City, IDMetro

Volume 67Mix 2.94% of portfolio

62/100

Strong

Showing 10 of 29 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,525Mix 66.86% of portfolio

85/100

Exceptional

FloridaState

Volume 264Mix 11.57% of portfolio

65/100

Strong

IdahoState

Volume 69Mix 3.02% of portfolio

58/100

Sound

WashingtonState

Volume 63Mix 2.76% of portfolio

57/100

Sound

ArizonaState

Volume 59Mix 2.59% of portfolio

54/100

Sound

OklahomaState

Volume 41Mix 1.80% of portfolio

53/100

Sound

New MexicoState

Volume 31Mix 1.36% of portfolio

52/100

Sound

TennesseeState

Volume 48Mix 2.10% of portfolio

52/100

Sound

GeorgiaState

Volume 41Mix 1.80% of portfolio

49/100

Sound

ColoradoState

Volume 26Mix 1.14% of portfolio

46/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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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.