The Mortgage Record
Lender report card · New Jersey

Strong Home Mortgage, Llc

Manassas, VA · What the federal mortgage record shows about how Strong Home Mortgage, Llc treated New Jersey applicants, 2018–2025 — 1,009 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
90.2%
910 approved
Denial rate
9.8%
99 denied
Decisions
1,009
2018–2025
Avg. rate spread
+0.00 pp
vs. market benchmark
90.2% approved
9.8% denied

Share of 1,009 New Jersey applications Strong Home Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional91.9% of 928 · NJ 87%FHA60.0% of 50 · NJ 79%VA87.1% of 31 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

58%68%78%88%98%88%94%90%77%62%100%86%2019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Strong Home Mortgage, Llc’s rates ran -0.23 pp lower than the typical New Jersey lender (average rate spread +0.00 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Strong Home Mortgage, Llc approves

By income
$50–75k74.1% · 54$75–100k86.7% · 113$100–150k90.4% · 314$150–250k95.7% · 346$250k+93.8% · 145
By debt-to-income
Under 36%96.2% · 52036–43%94.8% · 21143–50%92.0% · 200Over 50%23.9% · 67
By down payment (LTV)
20%+ down90.6% · 86810–20% down91.7% · 845–10% down84.4% · 32

Why Strong Home Mortgage, Llc denied applications

Debt-to-income ratio55% of denialsCredit history19% of denialsOther10% of denialsCollateral (value/type)6% of denialsEmployment history4% of denialsInsufficient cash to close3% of denials

Where Strong Home Mortgage, Llc lends in NJ

CountyDecisionsApproval
Monmouth County11992.4%
Middlesex County11790.6%
Morris County11289.3%
Bergen County10189.1%
Somerset County8390.4%
Essex County7989.9%
Mercer County5594.5%
Burlington County5096.0%

Fees & closing costs

Median total loan costs
$3,950
home purchase
As % of loan
1.00%
NJ median 1.93%
Priced originations
152
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Strong Home Mortgage, Llc’s home-purchase originations — 0.93 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Strong Home Mortgage, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Strong Home Mortgage, Llc (LEI 254900O28OG3UMHXQY81). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →