Applications / Mortgage Analytics / Lenders / California / Right Start Mortgage
Pasadena, CA · Non-bank lender · CFPB · 2,872 loans in 2025
Right Start Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,872
loans originated, 2025
4,240
applications, 2025
26
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Right Start Mortgage lends mostly to home buyers in Texas, and nearly half its loans are insured by the Federal Housing Administration (FHA), more than twice the share at similar lenders.
Purchases made up 91.2% of its loans in 2025. FHA loans were 47.5%, against 20.2% at similar lenders, non-banks making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) added 9.5%, and manufactured homes were 5.8% of its loans, against 0.8% for peers. Its typical loan, $275,000, was smaller than at about four in five similar lenders.
53.0% of its loans were in majority-minority neighborhoods, against 28.0% at similar lenders. Its share in low- and moderate-income (LMI) tracts, 23.3%, was higher than at about three-quarters of them. Its footprint may account for much of this: Texas is its main state, and its biggest markets include San Antonio, Houston and McAllen.
Loans rose 12% in 2025 to 2,872, a little faster than at similar lenders (9%) and in the whole market (10%). The longer record is uneven. It made 92 loans in 2023 and 2,573 in 2024, and filed no report for 2018 or 2020. Whether that leap reflects a change in the business or in its reporting, the record cannot say.
Its strongest position is in McAllen-Edinburg-Mission, where it ranked 9 of 295 lenders and its share rose 0.6 points to 2.8%. In San Antonio it ranked 30 of 669, with a share steady at 0.8%. United Wholesale Mortgage leads both markets.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Right Start Mortgage took 4,240 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.2% · Refinance 8.8%
FHA 47.5% · Conventional 42.0% · VA 9.5% · USDA (RHS or FSA) 1.0% · of 2,872 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,923 | 67.0% |
| Florida | 201 | 7.0% |
| Idaho | 103 | 3.6% |
| Washington | 93 | 3.2% |
| Georgia | 82 | 2.9% |
| Ohio | 82 | 2.9% |
| Arizona | 68 | 2.4% |
| Tennessee | 66 | 2.3% |
| Colorado | 45 | 1.6% |
| California | 44 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 453 |
| McAllen-Edinburg-Mission | 248 |
| Dallas-Plano-Irving | 207 |
| Amarillo | 200 |
| Houston-Pasadena-The Woodlands | 161 |
| Boise City | 97 |
| Odessa | 89 |
| Fort Worth-Arlington-Grapevine | 81 |
| Miami-Miami Beach-Kendall | 67 |
| Atlanta-Sandy Springs-Roswell | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UT4EN6IH579Q63 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438115 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954234730 | 2011–2017 |
Established 31 August 1989. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Right Start Mortgage's data.
Right Start Mortgage's data
$215
Right Start Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Right Start Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]