Right Start Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Right Start Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: RIGHT START MORTGAGE, INC. · LEI 549300UT4EN6IH579Q63
In 2025, Right Start Mortgage, Inc. originated 2,485 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 25 states — 233rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $8,210, 47% higher than the national median ($5,570).
It denied 8.3% of completed home-purchase applications (all lenders: 8.5%).
How Right Start Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Right Start Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.38 pts | +0.13 pts |
| Total loan costs · conventional | $8,210 | $5,570 |
| Total loan costs · FHA | $13,420 | $11,310 |
| Total loan costs · VA | $8,730 | $6,490 |
| Origination charges (all types) | $4,280 | $1,860 |
| Borrowers paying discount points | 71.8% | 51.3% |
| Points paid, when paid (% of loan) | 1.34% | 0.87% |
| Borrowers receiving lender credits | 38.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Right Start Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Right Start Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,716 | 1,918 | 9.0% | 6.625% | $8,200 |
| Florida | 176 | 195 | 9.8% | 6.875% | $9,950 |
| Ohio | 78 | 86 | 6.9% | 6.875% | $6,150 |
| Washington | 75 | 84 | 7.9% | 6.875% | $8,520 |
| Georgia | 72 | 78 | 1.6% | 6.624% | $6,590 |
| Idaho | 69 | 77 | 9.6% | — | — |
| Arizona | 61 | 65 | 2.2% | — | — |
| Tennessee | 47 | 58 | 8.6% | — | — |
| California | 36 | 39 | 3.6% | — | — |
| New Mexico | 36 | 36 | 0.0% | 6.625% | $6,580 |
| Colorado | 32 | 37 | 5.9% | — | — |
| Oklahoma | 24 | 26 | 4.8% | — | — |
| Nevada | 19 | 21 | — | — | — |
| Oregon | 14 | 15 | — | — | — |
| Kentucky | 9 | 10 | — | — | — |
| Kansas | 5 | 5 | — | — | — |
| Indiana | 4 | 4 | — | — | — |
| North Carolina | 3 | 4 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Michigan | 1 | 2 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| Mississippi | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Right Start Mortgage, Inc.'s page for that state.
Counties where Right Start Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Briscoe County, TX | 1 | 2 | 25.0% |
| Roberts County, TX | 1 | 2 | 25.0% |
| Upton County, TX | 3 | 3 | 15.8% |
| Wheeler County, TX | 2 | 4 | 13.8% |
| Winkler County, TX | 2 | 5 | 12.2% |
| Angelina County, TX | 2 | 70 | 10.8% |
| Crane County, TX | 5 | 2 | 8.7% |
| Hale County, TX | 2 | 17 | 8.6% |
| Sherman County, TX | 5 | 2 | 6.7% |
| Lipscomb County, TX | 10 | 1 | 6.7% |
| Carson County, TX | 3 | 5 | 6.3% |
| Donley County, TX | 8 | 2 | 5.9% |
| Garden County, NE | 10 | 1 | 5.9% |
| Nacogdoches County, TX | 5 | 25 | 5.7% |
| Potter County, TX | 2 | 54 | 5.7% |
Check Right Start Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300UT4EN6IH579Q63.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Right Start Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology