Stronghill Capital

What Stronghill Capital does

Stronghill Capital is a wholesale mortgage lender founded in 2007 and headquartered in Austin, Texas. The company originates Small Balance Commercial loans ($500K–$5M) across multifamily (5+ units), office, retail, light industrial, and self-storage properties, and Business Purpose Residential DSCR loans ($150K–$2M) on 1-4 unit investment properties. It has expanded into Non-QM residential lending through six branded programs (Investment Achiever, Income Achiever, Asset Achiever, Credit Achiever, Jumbo Achiever, and Investment Achiever Multi-Unit) targeting self-employed investors, borrowers with non-traditional income documentation, and those who do not qualify for agency financing. Stronghill is an affiliate of ArrowMark Partners, a $24 billion asset management firm, and operates as a balance-sheet lender, retaining loans on its own books rather than selling them to investors.

The company distributes exclusively through wholesale and correspondent channels — it does not lend directly to consumers. Approved mortgage brokers and lending institutions access Stronghill's products via the Elevate Broker Portal, a proprietary self-service platform launched in September 2023 and integrated with the LoanNEX pricing engine for real-time scenario pricing, file delivery, and milestone tracking. The company is NMLS-licensed (NMLS #2321153) and holds state mortgage licenses across AZ, CA, CO, FL, ID, MN, ND, SC, SD, and TX, with subsidiary Stronghill Funding Inc. holding a separate California DRE license.

Stronghill monetizes primarily through net interest income on balance-sheet loans and origination/servicing fees on wholesale and correspondent production. Origination volume reached approximately $250 million in 2020 with a stated 2021 target of $400–$500 million and a long-term goal of a $1 billion annual origination platform; the servicing portfolio exceeded $890 million as of April 2022. Leadership includes CEO John Eisinger (formerly EVP at Janus Capital managing $5B), President Jeremy Irwin, Co-President Dustin Wells, and President/Chief Innovation Officer Jack M. Cohen (40+ years of CRE finance experience, former CEO of Cohen Financial). The company has between 11 and 50 employees and operates nationally through its broker network.

Name

Stronghill Capital

Legal name

Stronghill Capital, LLC

Website

https://stronghill.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Stronghill Capital is a wholesale mortgage lender founded in 2007 and backed by ArrowMark Partners ($24B AUM). It originates small-balance commercial loans ($500K–$5M) and DSCR/non-QM residential loans ($150K–$2M) for mortgage brokers and real estate investors nationwide.

Ownership category

akta.pro rank

Product category

Commercial Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Wholesale mortgage lending
• DSCR loans
• Small balance commercial
• Non-QM loans
• Business purpose lending

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Lending Interest Income: Stronghill Capital originates and holds mortgage loans on their balance sheet, generating revenue through interest payments on commercial and residential investment property loans. As a balance-sheet lender, they deploy capital from their well-capitalized position to fund loans directly.
2. Wholesale and Correspondent Lending Fees: Revenue generated through wholesale and correspondent lending channels where mortgage brokers and lending institutions submit loans through Stronghill's platform. Brokers earn commissions and Stronghill earns origination and servicing fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Stronghill Capital is a wholesale mortgage lender that funds non-QM business-purpose residential and small-balance commercial loans for real estate investors. The company originates loans ranging from $150,000 to $2 million for residential and $500,000 to $5 million for commercial properties, distributed through a national network of mortgage brokers via its proprietary Elevate platform.

Product overview

Stronghill Capital operates as a wholesale mortgage lender offering a unified platform of commercial and residential loan products. The core offering consists of Small Balance Commercial Loans ($500K-$5M) for income-producing properties and Business Purpose Residential Loans ($150K-$2M) utilizing DSCR analysis. The residential lending suite includes six specialized Non-QM programs—Investment Achiever, Investment Achiever Multi-Unit, Income Achiever, Asset Achiever, Credit Achiever, and Jumbo Achiever—all accessible through the Elevate Broker Portal platform for pricing, submission, and closing management. The product architecture enables mortgage brokers to serve both commercial and investor residential clients through a single partner channel.

Differentiator

Problem solved

Functional benefit

Brands

• Investment Achiever: Debt Service Coverage Ratio (DSCR) loan program for investment properties
• Income Achiever
• Asset Achiever
• Credit Achiever
• Jumbo Achiever
• Elevate

Products and services

• Investment Achiever (DSCR Loans) Business-purpose DSCR loan program designed for real estate investors purchasing or refinancing single-family rental and 2-4 unit residential properties. Underwriting is based on property rental income rather than the borrower's W-2 or tax returns.
• Investment Achiever Multi-Unit DSCR-based loan product covering 5- to 10-unit small multifamily investment properties, qualifying borrowers on rental cash flow without traditional income documentation.
• Small Balance Commercial Loans Balance-sheet commercial mortgage program for small-balance investment properties, with loan sizes from $500,000 to $5,000,000, designed for owner-occupants and investors who fall outside bank or agency lending criteria.
• Elevate Broker Portal Proprietary online portal giving mortgage broker partners access to Stronghill's product menu, real-time pricing via LoanNEX, scenario calculators, loan submission, pipeline tracking, and clearance workflows.

Quantifiable outcome

• 30-day closing timeline for investment property loans
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a leading wholesale non-QM mortgage lender, directly comparable to Stronghill's Non-QM and DSCR product suite. Both serve mortgage brokers with alternative documentation programs for self-employed and investor borrowers.
• Verus Mortgage Capital: Verus Mortgage Capital is a wholesale and correspondent non-QM lender, directly overlapping with Stronghill's non-QM and Jumbo Achiever programs. Both specialize in alternative documentation and investor-focused loan products distributed through broker channels.
• Deephaven Mortgage: Deephaven Mortgage is a non-QM wholesale lender specializing in DSCR, bank statement, and asset depletion programs—directly paralleling Stronghill's Investment Achiever, Income Achiever, and Asset Achiever products. Both target mortgage brokers serving investor and self-employed borrowers.
• A&D Mortgage: A&D Mortgage is a wholesale non-QM lender offering DSCR, non-QM, and specialty programs through broker channels. It directly competes with Stronghill's product suite for broker relationships and non-QM market share.
• Lima One Capital: Lima One Capital is a private/hard money lender specializing in rental and multifamily investment property loans, directly comparable to Stronghill's DSCR and small-balance commercial focus. Both serve real estate investors through broker and direct channels.

Broad incumbents

• United Wholesale Mortgage (UWM): UWM is the largest wholesale mortgage lender in the U.S., serving the same broker channel as Stronghill but with a much broader product range including agency and government loans. As a broad incumbent, UWM competes for broker mindshare across the entire wholesale channel.
• NewRez (formerly New Penn Financial): NewRez operates a wholesale and correspondent channel that includes non-QM products, overlapping with Stronghill's product range. As a much larger lender, NewRez competes for the same broker relationships across a broader set of loan types.
• Caliber Home Loans: Caliber Home Loans operates a wholesale channel with non-QM and specialty products, overlapping with Stronghill's offerings. As a large, broadly diversified lender, Caliber competes for broker relationships across multiple product categories.
• loanDepot Wholesale: loanDepot operates a wholesale channel (LDWholesale) serving mortgage brokers with a range of products including non-QM. As a large, publicly-traded lender, it competes for the same broker partnerships as Stronghill at scale.

Emerging players

• Kiavi (formerly LendingHome): Kiavi is a tech-enabled private real estate lender specializing in fix-and-flip and DSCR rental loans for investors. It serves a similar investor customer base as Stronghill but with more focus on short-term bridge lending and a more digital-native platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stronghill
• Facebookfacebook.com/stronghillcapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stronghill Capital