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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
423 loans · 0.04% below market
Sound
Top 60% of lenders
3/5
FHA
93 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
VA
120 loans · 0.74% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
536 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
Refinance
102 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 19 markets
Sound
Top 60% of lenders
3/5
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
28Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast4
CTMANJPA
Midwest5
ILINMIMNOH
South12
ALDCFLGAKYMDNCOKSCTNTXVA
West7
AZCACOIDORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
Top States by Place Specialization Score
Showing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.