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Strong Home Mortgage, LLC
Independent Mortgage Company|Dover, DE|Near-National
Loans Originated
638
Applications
1,302
Volume
$325 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.186%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,214
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
49.0%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Strong Home Mortgage, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 19 metro areas · 28 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$510,705
Average Borrower Income
$196,475
Average Property Value
$643,824
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Exceptional | Mediocre | 423 | 66.3% | -0.041% | $1,308 |
FHA Loans | Strong | Strong | Exceptional | Sound | 93 | 14.6% | -0.113% | $997 |
VA Loans | Strong | Strong | Exceptional | Sound | 120 | 18.8% | -0.742% | $1,050 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Exceptional | Acceptable | 536 | 84.0% | -0.163% | $1,276 |
Refinance | Sound | Sound | Exceptional | Acceptable | 102 | 16.0% | -0.277% | $965 |
Geographic Coverage
Metro Areas
18
States Served
28
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Arlington, VA-WVMSA
Volume: 57Mix: 8.93%
Place Specialization
Strong
2
Raleigh, NCMSA
Volume: 25Mix: 3.92%
Place Specialization
Sound
3
Dallas, TXMSA
Volume: 31Mix: 4.86%
Place Specialization
Sound
4
Frederick, MDMSA
Volume: 18Mix: 2.82%
Place Specialization
Sound
5
Charlotte, NC-SCMSA
Volume: 22Mix: 3.45%
Place Specialization
Sound
6
Houston, TXMSA
Volume: 26Mix: 4.08%
Place Specialization
Sound
7
Montgomery County, PAMSA
Volume: 18Mix: 2.82%
Place Specialization
Sound
8
Baltimore, MDMSA
Volume: 16Mix: 2.51%
Place Specialization
Sound
9
Washington, DC, DC-MDMSA
Volume: 13Mix: 2.04%
Place Specialization
Sound
10
Nashville, TNMSA
Volume: 15Mix: 2.35%
Place Specialization
Sound
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 89Mix: 13.95%
Place Specialization
Strong
2
FLState
Volume: 101Mix: 15.83%
Place Specialization
Sound
3
TXState
Volume: 93Mix: 14.58%
Place Specialization
Sound
4
NCState
Volume: 69Mix: 10.82%
Place Specialization
Sound
5
MDState
Volume: 50Mix: 7.84%
Place Specialization
Sound
6
WAState
Volume: 30Mix: 4.70%
Place Specialization
Sound
7
PAState
Volume: 28Mix: 4.39%
Place Specialization
Sound
8
SCState
Volume: 21Mix: 3.29%
Place Specialization
Sound
9
TNState
Volume: 23Mix: 3.61%
Place Specialization
Sound
10
COState
Volume: 20Mix: 3.13%
Place Specialization
Sound
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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