Applications / Mortgage Analytics / Lenders / Virginia / Strong Home Mortgage
Manassas, VA · Independent non-bank lender · CFPB · 705 loans in 2025
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705
loans originated, 2025
1,455
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Strong Home Mortgage, a Virginia-based non-bank that lends in 28 states, makes a small fraction of the loans it made in 2020 and 2021, and now leans on larger loans and veterans' lending.
It made 705 loans in 2025, against 11,642 in 2020 and 13,064 in 2021. Lending fell to 3,199 in 2022 and 625 in 2023 and has edged up since. Its loans rose 4% in 2025, more than at similar lenders, meaning independent non-bank lenders making between half and twice as many loans, which grew 1%, but less than the market's 10%.
Its typical loan, $445,000, was larger than at four in five peers, whose typical loan was $325,000, and 2.8% of its loans were jumbo (larger than the conforming limit), against 1.1%. Its typical rate, 6.12%, was lower than at most peers.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 14.0% of its lending, against 5.7% at peers, though down from 20.5% a year earlier. Loans insured by the Federal Housing Administration rose from 14.3% to 22.0%, in line with peers. Five years ago almost all its loans, 95.7%, were conventional.
Only 10.8% of its loans went to low- and moderate-income borrowers, against 24.6% at peers. Its larger loans may point to better-off borrowers. Its share in majority-minority neighborhoods, 25.1%, matched its peers'.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Strong Home Mortgage took 1,455 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.0% · Refinance 38.4% · Other 3.3% · Home improvement 0.3%
Conventional 64.0% · FHA 22.0% · VA 14.0% · of 705 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 92 | 13.0% |
| Virginia | 86 | 12.2% |
| Florida | 77 | 10.9% |
| California | 66 | 9.4% |
| North Carolina | 56 | 7.9% |
| Maryland | 43 | 6.1% |
| Washington | 39 | 5.5% |
| Pennsylvania | 34 | 4.8% |
| South Carolina | 28 | 4.0% |
| Arizona | 27 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 54 |
| Dallas-Plano-Irving | 28 |
| Phoenix-Mesa-Chandler | 19 |
| Charlotte-Concord-Gastonia | 18 |
| Houston-Pasadena-The Woodlands | 17 |
| Montgomery County-Bucks County-Chester County | 16 |
| Austin-Round Rock-San Marcos | 14 |
| Baltimore-Columbia-Towson | 14 |
| Los Angeles-Long Beach-Glendale | 14 |
| Washington | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900O28OG3UMHXQY81 | 2019–2025 |
Established 31 August 2020. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Strong Home Mortgage's data.
Strong Home Mortgage's data
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Strong Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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