Right Start Mortgage, Inc Mortgage Lending & HMDA Data, 2016
In 2016, Right Start Mortgage, Inc of San Antonio, TX reported 1,834 mortgage applications totaling $487.0 million, down 20% from 2015. The average application was for $265,550, and applicants reported an average income of $85,942. 62% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (525), Riverside-San Bernardino-Ontario, CA (280) and Amarillo, TX (220) (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 | 1,834 |
| Total Mortgage Loan Application Amount | $487,019,000 |
| Average Mortgage Loan Application Amount | $265,550 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $85,942 |
| Highest Applicant Income | $3,669,000 |
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records Right Start Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Right Start Mortgage, Inc in 2016
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 | 1,086 | $264,791,000 | $243,000 | $1,050,000 | $81,000 | $680,000 |
| Refinancing | 704 | $208,277,000 | $295,000 | $987,000 | $94,000 | $3,669,000 |
| Home Improvement | 44 | $13,951,000 | $317,000 | $830,000 | $79,000 | $258,000 |
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 | 732 | $180,504,000 | $246,000 | $680,000 | $71,000 | $680,000 |
| White | 665 | $164,680,000 | $247,000 | $1,050,000 | $99,000 | $3,669,000 |
| Asian | 279 | $95,058,000 | $340,000 | $987,000 | $89,000 | $305,000 |
| Black or African American | 93 | $27,249,000 | $293,000 | $755,000 | $92,000 | $482,000 |
| Not Provided | 46 | $13,756,000 | $299,000 | $636,000 | $105,000 | $736,000 |
| Native Hawaiin or Other Pacific Islander | 16 | $5,080,000 | $317,000 | $595,000 | $96,000 | $208,000 |
| American Indian or Alaskan Native | 3 | $692,000 | $230,000 | $280,000 | $44,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 918 | $265,195,000 | $288,000 | $1,050,000 | $103,000 | $3,669,000 |
| FHA-insured (Federal Housing Administration) | 800 | $189,484,000 | $236,000 | $755,000 | $68,000 | $277,000 |
| VA-guaranteed (Veterans Administration) | 106 | $30,796,000 | $290,000 | $673,000 | $76,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,544,000 | $154,000 | $323,000 | $56,000 | $143,000 |
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 | 1,133 | $285,970,000 | $252,000 | $1,050,000 | $83,000 | $680,000 |
| Application Withdrawn By Applicant | 300 | $77,116,000 | $257,000 | $825,000 | $95,000 | $3,669,000 |
| Application Denied By Financial Institution | 196 | $61,460,000 | $313,000 | $987,000 | $80,000 | $322,000 |
| Application Approved But Not Accepted | 170 | $51,890,000 | $305,000 | $800,000 | $96,000 | $736,000 |
| File Closed For Incompleteness | 21 | $6,686,000 | $318,000 | $975,000 | $86,000 | $194,000 |
| Preapproval Denied by Financial Institution | 8 | $2,377,000 | $297,000 | $401,000 | $72,000 | $141,000 |
| Preapproval Approved but not Accepted | 6 | $1,520,000 | $253,000 | $417,000 | $74,000 | $164,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 84 | $28,540,000 | $339,000 | $987,000 | $66,000 | $278,000 |
| Credit History | 42 | $13,003,000 | $309,000 | $625,000 | $87,000 | $276,000 |
| Collateral | 24 | $5,555,000 | $231,000 | $626,000 | $100,000 | $322,000 |
| Other | 23 | $7,174,000 | $311,000 | $830,000 | $100,000 | $243,000 |
| Employment History | 12 | $3,566,000 | $297,000 | $450,000 | $70,000 | $164,000 |
| Unverifiable Information | 9 | $2,871,000 | $319,000 | $620,000 | $85,000 | $256,000 |
| Credit Application Incomplete | 5 | $1,645,000 | $329,000 | $587,000 | $82,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,483,000 | $296,000 | $378,000 | $59,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Right Start Mortgage, Inc's 2016 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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