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Starboard Financial Management, LLC

Independent Mortgage CompanyMESA, AZDirect to Consumer

Starboard Financial Management has 154 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional · VA
Place
Strong
Regional · 2 mkts

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Safe Rate's Summary

Things to Think About

  • Pricing may be below industry average

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Report Card

Starboard Financial Management, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+30.0 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
9964.3%
+0.281%Above
$3,021Fees
FHA Loans
Sound
Sound
Acceptable
Strong
3724.0%
+0.466%Above
$5,704Fees
VA Loans
Sound
Sound
Sound
1610.4%
-0.188%Below
$3,693Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
12279.2%
+0.329%Above
$4,451Fees
Refinance
Sound
Acceptable
Sound
Sound
3220.8%
+0.197%Above
$1,281Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
154
Applications
225
Volume
$59 million
Pricing & Closing
Avg Rate Spread
+0.300%
vs. market APOR
Avg Net Fees
$3,762
Origination − Credits
Pullthrough Rate
68.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$386,104
Avg Borrower Income
$145,474
Avg Property Value
$531,558

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

AZCAUTWA

Top Metro Areas by Place Specialization Score

1
Phoenix, AZMSA
Volume: 108Mix: 70.13%of portfolio
Place
Strong
2
Flagstaff, AZ, AZMSA
Volume: 18Mix: 11.69%of portfolio
Place
Strong

Top States by Place Specialization Score

1
AZState
Volume: 144Mix: 93.51%of portfolio
Place
Strong

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.