Starboard Financial Management
Starboard Financial Management has 154 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Starboard Financial Management performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.0 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
99 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
FHA
37 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
VA
16 loans · 0.19% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
122 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
Refinance
32 loans · 0.20% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 99 | 64.3% | +0.281%Above | $3,021Fees | ||||
FHA Loans | 37 | 24.0% | +0.466%Above | $5,704Fees | ||||
VA Loans | — | 16 | 10.4% | -0.188%Below | $3,693Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume99
Mix64.3%
Spread
+0.281%Above
Fees
$3,021Fees
FHA Loans
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume37
Mix24.0%
Spread
+0.466%Above
Fees
$5,704Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix10.4%
Spread
-0.188%Below
Fees
$3,693Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 122 | 79.2% | +0.329%Above | $4,451Fees | ||||
Refinance | 32 | 20.8% | +0.197%Above | $1,281Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume122
Mix79.2%
Spread
+0.329%Above
Fees
$4,451Fees
Refinance
OverallSound
ProductAcceptable
PricingSound
Pull ThroughSound
Volume32
Mix20.8%
Spread
+0.197%Above
Fees
$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
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 100100+None
West4
AZCAUTWA
Top Metro Areas by Place Specialization Score
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.