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We analyzed every closed loan from Right Start Mortgage — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
Near-National · 29 mkts
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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)
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Report Card
Right Start Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +74.6 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National30 markets | |
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 |
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 |
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
States Served
25
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOFLGAIDINKSKYLAMSMTNCNENMNVOHOKORSCTNTXWA
Top Metro Areas by Place Specialization Score
1
McAllen, TXMSA
Volume: 177Mix: 7.76%of portfolio
Place
Exceptional2
Odessa, TX, TXMSA
Volume: 84Mix: 3.68%of portfolio
Place
Exceptional3
Amarillo, TX, TXMSA
Volume: 214Mix: 9.38%of portfolio
Place
Exceptional4
San Antonio, TXMSA
Volume: 387Mix: 16.97%of portfolio
Place
Exceptional5
Brownsville, TXMSA
Volume: 46Mix: 2.02%of portfolio
Place
Strong6
Miami, FLMSA
Volume: 125Mix: 5.48%of portfolio
Place
Strong7
Dallas, TXMSA
Volume: 147Mix: 6.44%of portfolio
Place
Strong8
Laredo, TX, TXMSA
Volume: 35Mix: 1.53%of portfolio
Place
Strong9
Fort Worth, TXMSA
Volume: 76Mix: 3.33%of portfolio
Place
Strong10
Boise City, ID, IDMSA
Volume: 67Mix: 2.94%of portfolio
Place
StrongShowing 10 of 29 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,525Mix: 66.86%of portfolio
Place
Exceptional2
FLState
Volume: 264Mix: 11.57%of portfolio
Place
Strong3
IDState
Volume: 69Mix: 3.02%of portfolio
Place
Sound4
WAState
Volume: 63Mix: 2.76%of portfolio
Place
Sound5
AZState
Volume: 59Mix: 2.59%of portfolio
Place
Sound6
OKState
Volume: 41Mix: 1.80%of portfolio
Place
Sound7
NMState
Volume: 31Mix: 1.36%of portfolio
Place
Sound8
TNState
Volume: 48Mix: 2.10%of portfolio
Place
Sound9
GAState
Volume: 41Mix: 1.80%of portfolio
Place
Sound10
COState
Volume: 26Mix: 1.14%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.