Strong Home Mortgage
We analyzed every closed loan from Strong Home Mortgage — 638 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 18 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Offers rates 18.60 basis points below market average
- Lower than average lender fees
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Strong Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 18.6 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 19 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 423 | 66.3% | -0.041%Below | $1,308Fees | ||||
FHA Loans | 93 | 14.6% | -0.113%Below | $997Fees | ||||
VA Loans | 120 | 18.8% | -0.742%Below | $1,050Fees |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughMediocre
Volume423
Mix66.3%
Spread
-0.041%Below
Fees
$1,308Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume93
Mix14.6%
Spread
-0.113%Below
Fees
$997Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume120
Mix18.8%
Spread
-0.742%Below
Fees
$1,050Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 536 | 84.0% | -0.163%Below | $1,276Fees | ||||
Refinance | 102 | 16.0% | -0.277%Below | $965Fees |
Purchase
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume536
Mix84.0%
Spread
-0.163%Below
Fees
$1,276Fees
Refinance
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume102
Mix16.0%
Spread
-0.277%Below
Fees
$965Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
638
Applications
1,302
Volume
$325 million
Pricing & Closing
Avg Rate Spread
-0.186%
vs. market APOR
Avg Net Fees
$1,214
Origination − Credits
Pullthrough Rate
49.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$510,705
Avg Borrower Income
$196,475
Avg Property Value
$643,824
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Northeast4
CTMANJPA
Midwest5
ILINMIMNOH
South12
ALDCFLGAKYMDNCOKSCTNTXVA
West7
AZCACOIDORUTWA
Top Metro Areas by Place Specialization Score
Volume 57Mix 8.93% of portfolio
62/100
Strong
Volume 25Mix 3.92% of portfolio
53/100
Sound
Volume 31Mix 4.86% of portfolio
52/100
Sound
Volume 18Mix 2.82% of portfolio
50/100
Sound
Volume 22Mix 3.45% of portfolio
49/100
Sound
Volume 26Mix 4.08% of portfolio
49/100
Sound
Volume 18Mix 2.82% of portfolio
49/100
Sound
Volume 16Mix 2.51% of portfolio
45/100
Sound
Volume 13Mix 2.04% of portfolio
45/100
Sound
Volume 15Mix 2.35% of portfolio
45/100
SoundShowing 10 of 18 metro areas
Top States by Place Specialization Score
1
VirginiaState
Volume 89Mix 13.95% of portfolio
64/100
Strong2
FloridaState
Volume 101Mix 15.83% of portfolio
58/100
Sound3
TexasState
Volume 93Mix 14.58% of portfolio
58/100
Sound4
North CarolinaState
Volume 69Mix 10.82% of portfolio
57/100
Sound5
MarylandState
Volume 50Mix 7.84% of portfolio
57/100
Sound6
WashingtonState
Volume 30Mix 4.70% of portfolio
51/100
Sound7
PennsylvaniaState
Volume 28Mix 4.39% of portfolio
48/100
Sound8
South CarolinaState
Volume 21Mix 3.29% of portfolio
47/100
Sound9
TennesseeState
Volume 23Mix 3.61% of portfolio
47/100
Sound10
ColoradoState
Volume 20Mix 3.13% of portfolio
46/100
SoundShowing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.