Right Start Mortgage, Inc Mortgage Lending & HMDA Data, 2022
In 2022, Right Start Mortgage, Inc of San Antonio, TX reported 675 mortgage applications totaling $178.7 million, down 50% from 2021. The average application was for $264,807, and applicants reported an average income of $94,311. 51% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bakersfield, CA (249), Phoenix-Mesa-Scottsdale, AZ (75) and Riverside-San Bernardino-Ontario, CA (65) (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 | 675 |
| Total Mortgage Loan Application Amount | $178,745,000 |
| Average Mortgage Loan Application Amount | $264,807 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $94,311 |
| Highest Applicant Income | $1,097,000 |
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records Right Start Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 332 | $88,440,000 | $266,000 | $875,000 | $87,000 | $396,000 |
| Home Purchase | 274 | $75,960,000 | $277,000 | $975,000 | $102,000 | $1,071,000 |
| Refinancing | 57 | $13,515,000 | $237,000 | $575,000 | $100,000 | $1,097,000 |
| Other Purpose | 12 | $830,000 | $69,000 | $135,000 | $94,000 | $286,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 245 | $58,125,000 | $237,000 | $715,000 | $82,000 | $240,000 |
| White | 237 | $61,675,000 | $260,000 | $915,000 | $98,000 | $1,097,000 |
| Not Provided | 108 | $33,300,000 | $308,000 | $975,000 | $101,000 | $340,000 |
| Asian | 42 | $14,340,000 | $341,000 | $645,000 | $106,000 | $297,000 |
| Black or African American | 41 | $10,675,000 | $260,000 | $635,000 | $122,000 | $1,071,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $630,000 | $315,000 | $435,000 | $115,000 | $122,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 408 | $100,440,000 | $246,000 | $975,000 | $100,000 | $1,097,000 |
| FHA-insured (Federal Housing Administration) | 250 | $72,230,000 | $288,000 | $875,000 | $85,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 17 | $6,075,000 | $357,000 | $565,000 | $110,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 344 | $94,850,000 | $275,000 | $975,000 | $103,000 | $1,097,000 |
| Application Withdrawn By Applicant | 180 | $48,550,000 | $269,000 | $775,000 | $90,000 | $396,000 |
| Application Approved But Not Accepted | 68 | $15,120,000 | $222,000 | $645,000 | $78,000 | $212,000 |
| File Closed For Incompleteness | 46 | $11,820,000 | $256,000 | $585,000 | $77,000 | $204,000 |
| Application Denied By Financial Institution | 30 | $6,440,000 | $214,000 | $475,000 | $92,000 | $336,000 |
| Preapproval Approved but not Accepted | 6 | $1,610,000 | $268,000 | $475,000 | $103,000 | $130,000 |
| Preapproval Denied by Financial Institution | 1 | $355,000 | $355,000 | $355,000 | $86,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 644 | $171,950,000 | $267,000 | $975,000 | $95,000 | $1,097,000 |
| Credit History | 12 | $2,390,000 | $199,000 | $355,000 | $97,000 | $336,000 |
| Debt-To-Income Ratio | 7 | $1,815,000 | $259,000 | $475,000 | $69,000 | $134,000 |
| Other | 5 | $815,000 | $163,000 | $235,000 | $110,000 | $236,000 |
| Collateral | 4 | $970,000 | $242,000 | $345,000 | $89,000 | $152,000 |
| Unverifiable Information | 3 | $805,000 | $268,000 | $355,000 | $103,000 | $190,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2022 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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