Purchase Originations
2,407
Ranked #189 nationally
Median Total Costs
$11,182
+67.4% vs national ($6,680)
↓ $651 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,220
Median Lender Credits
$344
Cost Rank (500+ vol.)
#570
among lenders with 500+ originations
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 1,288 | 6.625% | $13,379 | $4,497 |
| conventional | 830 | 6.625% | $8,151 | $4,288 |
| va | 260 | 6.500% | $8,417 | $2,042 |
| usda | 29 | 6.490% | $7,775 | $2,436 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,712 | 6.625% | $11,192 | #35 |
| Florida | 158 | 6.750% | $14,384 | #182 |
| Washington | 74 | 6.750% | $10,176 | #126 |
| Ohio | 69 | 6.750% | $8,351 | #164 |
| Idaho | 66 | 6.125% | $20,303 | #58 |
| Georgia | 63 | 6.500% | $9,354 | #184 |
| Arizona | 46 | 6.312% | $12,261 | — |
| New Mexico | 38 | 6.625% | $8,595 | — |
| Tennessee | 36 | 6.562% | $7,883 | — |
| Colorado | 34 | 6.625% | $17,248 | — |
| California | 28 | 6.562% | $16,055 | — |
| Oklahoma | 22 | 6.558% | $7,269 | — |
| Nevada | 17 | 6.000% | $12,912 | — |
| Oregon | 11 | 6.375% | $6,548 | — |
| Kentucky | 10 | 6.688% | $6,718 | — |
| Kansas | 6 | 6.562% | $4,726 | — |
| Arkansas | 3 | 5.875% | $8,330 | — |
| Indiana | 3 | 6.625% | $6,224 | — |
| Alabama | 2 | 6.057% | $7,764 | — |
| Iowa | 2 | 6.558% | $6,468 | — |
| North Carolina | 2 | 6.062% | $6,975 | — |
| Louisiana | 1 | 6.490% | $7,144 | — |
| Michigan | 1 | 6.875% | $10,443 | — |
| Mississippi | 1 | 5.625% | $21,104 | — |
| Montana | 1 | 6.625% | $13,450 | — |
| Nebraska | 1 | 6.875% | $6,732 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,145 | 6.490% | — | 71 | −$3,037 | |
| 2 | $8,568 | 6.750% | — | 52 | −$2,614 | |
| 3 | $10,361 | 6.500% | — | 277 | −$821 | |
| 4 | $10,717 | 6.688% | — | 114 | −$465 | |
| 5 | $10,753 | 6.875% | — | 67 | −$429 | |
| 6 | $10,918 | 6.625% | — | 33 | −$264 | |
| 7 | $11,129 | 6.495% | — | 30 | −$53 | |
| 8 | $11,489 | 6.188% | — | 36 | +$307 | |
| 9 | $12,074 | 6.490% | — | 47 | +$892 | |
| 10 | $12,282 | 6.750% | — | 81 | +$1,100 | |
| 11 | $12,369 | 6.688% | — | 56 | +$1,187 | |
| 12 | $12,470 | 6.500% | — | 220 | +$1,288 | |
| 13 | $12,636 | 5.990% | — | 46 | +$1,454 | |
| 14 | $12,693 | 6.625% | — | 52 | +$1,511 | |
| 15 | $12,758 | 6.933% | — | 32 | +$1,576 | |
| 16 | $12,961 | 6.750% | — | 29 | +$1,779 | |
| 17 | $12,994 | 6.250% | — | 29 | +$1,812 | |
| 18 | $13,952 | 6.500% | — | 39 | +$2,770 | |
| 19 | $19,131 | 6.750% | — | 47 | +$7,949 | |
| 20 | $20,622 | 6.125% | — | 51 | +$9,440 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Right Start Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $11,182 | $7,127 | +$4,055 (+56.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.