# RIGHT START MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/right-start-mortgage

> **📋 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

RIGHT START MORTGAGE, INC. is a independent mortgage company, headquartered in PASADENA, CA, serving borrowers across 25 states, with 2,281 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300UT4EN6IH579Q63
- **Headquarters:** PASADENA, CA
- **Geographic Reach:** Near-National
- **States Served:** 25
- **State List:** 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
- **Markets (MSAs):** 30
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.746%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,442
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,281
- **Dollar Volume:** $706 million
- **Applications Received:** 3,121
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $309,590
- **Average Borrower Income:** $119,871

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 892 | +0.555% | $4,280 | Strong 😀 |
| FHA | 86/100 | 1,174 | +1.053% | $4,584 | Exceptional 🤩 |
| VA | 78/100 | 190 | -0.079% | $4,619 | Strong 😀 |
| USDA | 75/100 | 22 | +0.640% | $2,823 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 804 loans, Score: 73/100 (Strong)
- Refinance: 88 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 1,132 loans, Score: 86/100 (Exceptional)
- Refinance: 42 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 184 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 22 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 2,145 | $666M | +0.769% | Exceptional 🤩 |
| Refinance | 62/100 | 136 | $40M | +0.426% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,525 | 0.44% | 85/100 |
| FL | 264 | 0.09% | 65/100 |
| ID | 69 | 0.26% | 58/100 |
| WA | 63 | 0.07% | 57/100 |
| AZ | 59 | 0.06% | 54/100 |
| TN | 48 | 0.05% | 52/100 |
| GA | 41 | 0.03% | 49/100 |
| OK | 41 | 0.10% | 53/100 |
| CA | 40 | 0.01% | 45/100 |
| NM | 31 | 0.15% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 387 | 80/100 |
| Non |  | 262 | 62/100 |
| Amarillo, TX | TX | 214 | 83/100 |
| McAllen | TX | 177 | 87/100 |
| Dallas | TX | 147 | 67/100 |
| Miami | FL | 125 | 69/100 |
| Odessa, TX | TX | 84 | 85/100 |
| Houston | TX | 78 | 59/100 |
| Fort Worth | TX | 76 | 64/100 |
| Boise City, ID | ID | 67 | 62/100 |
| Brownsville | TX | 46 | 73/100 |
| Laredo, TX | TX | 35 | 67/100 |
| Tucson, AZ | AZ | 34 | 55/100 |
| Midland, TX | TX | 33 | 61/100 |
| Fort Lauderdale | FL | 28 | 50/100 |

## Frequently Asked Questions

### What loan types does RIGHT START MORTGAGE, INC. offer?

RIGHT START MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RIGHT START MORTGAGE, INC. offer mortgages?

RIGHT START MORTGAGE, INC. 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, INC.'s mortgage rates?

RIGHT START MORTGAGE, INC. has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.746% above market average.

### What type of lender is RIGHT START MORTGAGE, INC.?

RIGHT START MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in PASADENA, CA.

### What is RIGHT START MORTGAGE, INC.'s loan approval success rate?

RIGHT START MORTGAGE, INC. has a pull-through score of 84/100 (Exceptional). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/right-start-mortgage

### How to Cite

> "RIGHT START MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/right-start-mortgage

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