Right Start Mortgage, Inc Mortgage Lending & HMDA Data, 2025
In 2025, Right Start Mortgage, Inc of San Antonio, TX reported 4,240 mortgage applications totaling $1.2 billion, up 20% from 2024. The average application was for $290,764, and applicants reported an average income of $120,892. 68% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Antonio-New Braunfels, TX (702), McAllen-Edinburg-Mission, TX (347) and Dallas-Plano-Irving, TX (312) (applications in parentheses).
| Mortgage Company & Address | Right Start Mortgage, Inc San Antonio, TX 78248 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2019 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,240 |
| Total Mortgage Loan Application Amount | $1,232,840,000 |
| Average Mortgage Loan Application Amount | $290,764 |
| Highest Mortgage Loan Application Amount | $1,725,000 |
| Average Applicant Income | $120,892 |
| Highest Applicant Income | $2,839,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Right Start Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 702 | $ 212,000,000 | $ 301,994 | $ 134,000 |
| Outside any metro area | 590 | $ 132,220,000 | $ 224,101 | $ 102,044 |
| McAllen-Edinburg-Mission, TX | 347 | $ 82,495,000 | $ 237,737 | $ 109,000 |
| Dallas-Plano-Irving, TX | 312 | $ 105,740,000 | $ 338,910 | $ 140,000 |
| Amarillo, TX | 273 | $ 58,435,000 | $ 214,047 | $ 91,000 |
| Houston-The Woodlands-Sugar Land, TX | 272 | $ 86,890,000 | $ 319,448 | $ 130,000 |
| Boise City, ID | 148 | $ 40,170,000 | $ 271,418 | $ 104,000 |
| Odessa, TX | 124 | $ 31,190,000 | $ 251,532 | $ 106,000 |
| Fort Worth-Arlington, TX | 121 | $ 38,055,000 | $ 314,504 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 97 | $ 42,615,000 | $ 439,329 | $ 146,000 |
| Atlanta-Sandy Springs-Roswell, GA | 69 | $ 22,205,000 | $ 321,811 | $ 125,000 |
| Jacksonville, FL | 69 | $ 22,395,000 | $ 324,565 | $ 141,000 |
| Brownsville-Harlingen, TX | 62 | $ 14,460,000 | $ 233,225 | $ 133,000 |
| Columbus, OH | 57 | $ 17,365,000 | $ 304,649 | $ 109,000 |
| Tucson, AZ | 56 | $ 16,650,000 | $ 297,321 | $ 138,000 |
| Tacoma-Lakewood, WA | 50 | $ 22,460,000 | $ 449,200 | $ 139,000 |
| Denver-Aurora-Lakewood, CO | 46 | $ 16,140,000 | $ 350,869 | $ 131,000 |
| Laredo, TX | 46 | $ 11,700,000 | $ 254,347 | $ 84,000 |
| Midland, TX | 43 | $ 13,805,000 | $ 321,046 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 38 | $ 17,920,000 | $ 471,578 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 15,500,000 | $ 430,555 | $ 189,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 9,935,000 | $ 283,857 | $ 86,000 |
| Phoenix-Mesa-Scottsdale, AZ | 35 | $ 13,265,000 | $ 379,000 | $ 212,000 |
| Reno, NV | 32 | $ 10,900,000 | $ 340,625 | $ 88,000 |
| Austin-Round Rock, TX | 31 | $ 9,775,000 | $ 315,322 | $ 130,000 |
| Las Cruces, NM | 31 | $ 7,675,000 | $ 247,580 | $ 102,000 |
| Waco, TX | 24 | $ 5,170,000 | $ 215,416 | $ 86,000 |
| Knoxville, TN | 22 | $ 5,480,000 | $ 249,090 | $ 98,000 |
| Oakland-Hayward-Berkeley, CA | 22 | $ 11,230,000 | $ 510,454 | $ 150,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 7,915,000 | $ 376,904 | $ 114,000 |
| Oklahoma City, OK | 20 | $ 4,290,000 | $ 214,500 | $ 104,000 |
| Everett, WA | 17 | $ 9,215,000 | $ 542,058 | $ 158,000 |
| Kennewick-Richland, WA | 17 | $ 4,425,000 | $ 260,294 | $ 88,000 |
| Corpus Christi, TX | 16 | $ 4,250,000 | $ 265,625 | $ 100,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 6,130,000 | $ 383,125 | $ 146,875 |
| Cincinnati, OH-KY-IN | 15 | $ 3,125,000 | $ 208,333 | $ 88,600 |
| Lubbock, TX | 14 | $ 2,330,000 | $ 166,428 | $ 124,000 |
| Sherman-Denison, TX | 13 | $ 3,445,000 | $ 265,000 | $ 156,000 |
| Cleveland, OH | 10 | $ 2,230,000 | $ 223,000 | $ 72,000 |
| El Paso, TX | 10 | $ 2,290,000 | $ 229,000 | $ 104,000 |
| Tulsa, OK | 10 | $ 2,150,000 | $ 215,000 | $ 97,000 |
| Canton-Massillon, OH | 9 | $ 2,195,000 | $ 243,888 | $ 85,000 |
| Greeley, CO | 9 | $ 2,165,000 | $ 240,555 | $ 124,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,805,000 | $ 311,666 | $ 130,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 4,705,000 | $ 522,777 | $ 250,000 |
| Albuquerque, NM | 8 | $ 1,990,000 | $ 248,750 | $ 73,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,910,000 | $ 238,750 | $ 87,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 3,550,000 | $ 443,750 | $ 163,000 |
| Abilene, TX | 7 | $ 2,105,000 | $ 300,714 | $ 121,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,365,000 | $ 337,857 | $ 148,000 |
| College Station-Bryan, TX | 7 | $ 1,995,000 | $ 285,000 | $ 131,000 |
| Port St. Lucie, FL | 7 | $ 2,255,000 | $ 322,142 | $ 129,000 |
| Marietta, GA | 6 | $ 1,800,000 | $ 300,000 | $ 100,000 |
| Tyler, TX | 6 | $ 1,890,000 | $ 315,000 | $ 195,000 |
| Clarksville, TN-KY | 5 | $ 1,535,000 | $ 307,000 | $ 126,000 |
| Cleveland, TN | 5 | $ 995,000 | $ 199,000 | $ 122,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,805,000 | $ 361,000 | $ 109,000 |
| Gainesville, GA | 5 | $ 2,025,000 | $ 405,000 | $ 168,000 |
| Lakeland-Winter Haven, FL | 5 | $ 1,235,000 | $ 247,000 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 3,005,000 | $ 601,000 | $ 350,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,635,000 | $ 327,000 | $ 147,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 710,000 | $ 177,500 | $ 66,000 |
| Des Moines-West Des Moines, IA | 4 | $ 1,480,000 | $ 370,000 | $ 145,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 810,000 | $ 202,500 | $ 55,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,340,000 | $ 335,000 | $ 104,000 |
| Topeka, KS | 4 | $ 880,000 | $ 220,000 | $ 90,000 |
| Yakima, WA | 4 | $ 950,000 | $ 237,500 | $ 96,000 |
| Akron, OH | 3 | $ 725,000 | $ 241,666 | $ 136,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,525,000 | $ 841,666 | $ 292,000 |
| Bowling Green, KY | 3 | $ 515,000 | $ 171,666 | $ 82,000 |
| Colorado Springs, CO | 3 | $ 825,000 | $ 275,000 | $ 101,000 |
| Eugene, OR | 3 | $ 1,055,000 | $ 351,666 | $ 152,000 |
| Jackson, TN | 3 | $ 745,000 | $ 248,333 | $ 84,000 |
| Killeen-Temple, TX | 3 | $ 815,000 | $ 271,666 | $ 122,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 295,000 | $ 98,333 | $ 48,000 |
| Longview, TX | 3 | $ 625,000 | $ 208,333 | $ 74,000 |
| Macon-Bibb County, GA | 3 | $ 715,000 | $ 238,333 | $ 60,000 |
| Panama City, FL | 3 | $ 1,195,000 | $ 398,333 | $ 197,000 |
| Sebring, FL | 3 | $ 755,000 | $ 251,666 | $ 107,000 |
| Wichita, KS | 3 | $ 565,000 | $ 188,333 | $ 256,000 |
| Athens-Clarke County, GA | 2 | $ 780,000 | $ 390,000 | $ 130,000 |
| Bakersfield, CA | 2 | $ 520,000 | $ 260,000 | $ 116,000 |
| Carson City, NV | 2 | $ 660,000 | $ 330,000 | $ 226,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 600,000 | $ 300,000 | $ 72,000 |
| Fayetteville, NC | 2 | $ 610,000 | $ 305,000 | $ 197,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 1,130,000 | $ 565,000 | $ 257,000 |
| Fort Wayne, IN | 2 | $ 470,000 | $ 235,000 | $ 99,000 |
| Gainesville, FL | 2 | $ 660,000 | $ 330,000 | $ 244,000 |
| Grand Junction, CO | 2 | $ 420,000 | $ 210,000 | $ 48,000 |
| Hammond, LA | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| Idaho Falls, ID | 2 | $ 480,000 | $ 240,000 | $ 85,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 870,000 | $ 435,000 | $ 258,000 |
| Olympia-Tumwater, WA | 2 | $ 910,000 | $ 455,000 | $ 126,000 |
| San Angelo, TX | 2 | $ 570,000 | $ 285,000 | $ 139,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 600,000 | $ 300,000 | $ 105,000 |
| Stockton-Lodi, CA | 2 | $ 680,000 | $ 340,000 | $ 84,000 |
| Tampa, FL | 2 | $ 710,000 | $ 355,000 | $ 177,000 |
| Texarkana, TX-AR | 2 | $ 460,000 | $ 230,000 | $ 113,000 |
| Tuscaloosa, AL | 2 | $ 580,000 | $ 290,000 | $ 91,000 |
| Wenatchee, WA | 2 | $ 790,000 | $ 395,000 | $ 148,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 945,000 | $ 945,000 | $ 290,000 |
| Birmingham-Hoover, AL | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Bremerton-Silverdale, WA | 1 | $ 795,000 | $ 795,000 | $ 253,000 |
| Columbia, SC | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Flagstaff, AZ | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Homosassa Springs, FL | 1 | $ 405,000 | $ 405,000 | $ 97,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Lansing-East Lansing, MI | 1 | $ 245,000 | $ 245,000 | $ 57,000 |
| Lincoln, NE | 1 | $ 335,000 | $ 335,000 | $ 409,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 535,000 | $ 535,000 | $ 156,000 |
| Memphis, TN-MS-AR | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| Morristown, TN | 1 | $ 235,000 | $ 235,000 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 335,000 | $ 335,000 | $ 163,000 |
| Punta Gorda, FL | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Salinas, CA | 1 | $ 685,000 | $ 685,000 | $ 207,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,155,000 | $ 1,155,000 | $ 233,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 805,000 | $ 805,000 | $ 175,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 995,000 | $ 995,000 | $ 385,000 |
| Santa Fe, NM | 1 | $ 445,000 | $ 445,000 | $ 160,000 |
| Santa Rosa, CA | 1 | $ 605,000 | $ 605,000 | $ 175,000 |
| Sebastian-Vero Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Spokane-Spokane Valley, WA | 1 | $ 415,000 | $ 415,000 | $ 80,000 |
| Springfield, OH | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Warner Robins, GA | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Wichita Falls, TX | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Wildwood-The Villages, FL | 1 | $ 245,000 | $ 245,000 | $ 198,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Right Start Mortgage, Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,687 | $1,063,835,000 | $288,000 | $1,485,000 | $119,000 | $2,839,000 |
| Cash-out Refinancing | 290 | $81,430,000 | $280,000 | $1,725,000 | $124,000 | $1,177,000 |
| Refinancing | 263 | $87,575,000 | $332,000 | $1,505,000 | $144,000 | $1,200,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 1,953 | $535,425,000 | $274,000 | $1,255,000 | $109,000 | $2,839,000 |
| White | 1,641 | $498,195,000 | $303,000 | $1,505,000 | $134,000 | $1,535,000 |
| Black or African American | 368 | $111,860,000 | $303,000 | $1,725,000 | $107,000 | $1,000,000 |
| Asian | 133 | $44,395,000 | $333,000 | $1,025,000 | $143,000 | $716,000 |
| Not Provided | 129 | $38,455,000 | $298,000 | $1,155,000 | $131,000 | $1,200,000 |
| American Indian or Alaskan Native | 12 | $2,960,000 | $246,000 | $575,000 | $222,000 | $1,084,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,550,000 | $387,000 | $755,000 | $155,000 | $235,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,962 | $552,160,000 | $281,000 | $1,055,000 | $98,000 | $661,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,834 | $536,340,000 | $292,000 | $1,725,000 | $148,000 | $2,839,000 |
| VA-guaranteed (Veterans Administration) | 407 | $137,635,000 | $338,000 | $1,155,000 | $113,000 | $603,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $6,705,000 | $181,000 | $355,000 | $76,000 | $120,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,872 | $846,680,000 | $294,000 | $1,505,000 | $121,000 | $1,535,000 |
| Application Withdrawn By Applicant | 937 | $261,235,000 | $278,000 | $1,485,000 | $126,000 | $2,839,000 |
| Application Denied By Financial Institution | 322 | $90,090,000 | $279,000 | $1,725,000 | $105,000 | $1,157,000 |
| File Closed For Incompleteness | 94 | $29,580,000 | $314,000 | $1,475,000 | $123,000 | $512,000 |
| Application Approved But Not Accepted | 15 | $5,255,000 | $350,000 | $805,000 | $138,000 | $307,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,918 | $1,142,750,000 | $291,000 | $1,505,000 | $122,000 | $2,839,000 |
| Debt-To-Income Ratio | 97 | $30,675,000 | $316,000 | $1,725,000 | $96,000 | $540,000 |
| Collateral | 63 | $14,475,000 | $229,000 | $585,000 | $114,000 | $1,157,000 |
| Unverifiable Information | 62 | $18,940,000 | $305,000 | $1,225,000 | $98,000 | $1,056,000 |
| Credit History | 59 | $15,145,000 | $256,000 | $675,000 | $109,000 | $886,000 |
| Other | 36 | $9,390,000 | $260,000 | $555,000 | $116,000 | $472,000 |
| Employment History | 4 | $1,140,000 | $285,000 | $405,000 | $94,000 | $138,000 |
| Credit Application Incomplete | 1 | $325,000 | $325,000 | $325,000 | $121,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Right Start Mortgage, Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Right Start Mortgage, Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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