Right Start Mortgage
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
892 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
FHA
1,174 loans · 1.05% above market
Exceptional
Top 20% of lenders
5/5
VA
190 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,145 loans · 0.77% above market
Exceptional
Top 20% of lenders
5/5
Refinance
136 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 30 markets
Sound
Top 60% of lenders
3/5
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 |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume892
Mix39.1%
Spread
+0.555%Above
Fees
$4,280Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,174
Mix51.5%
Spread
+1.053%Above
Fees
$4,584Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume190
Mix8.3%
Spread
-0.079%Below
Fees
$4,619Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
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 | 2,145 | 94.0% | +0.769%Above | $4,473Fees | ||||
Refinance | 136 | 6.0% | +0.426%Above | $3,998Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,145
Mix94.0%
Spread
+0.769%Above
Fees
$4,473Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
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
29
markets with activity
States Served
25
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
25Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest4
INKSNEOH
South12
ALARFLGAKYLAMSNCOKSCTNTX
West9
AZCACOIDMTNMNVORWA
Top Metro Areas by Place Specialization Score
9© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 76Mix 3.33% of portfolio
64/100
Strong
Showing 10 of 29 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.