# TruHome Solutions, LLC

> **Canonical URL:** https://saferate.com/lenders/truhome-solutions


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TruHome Solutions, LLC is a independent mortgage company, headquartered in Clayton, MO, serving borrowers across 34 states, with 273 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 80% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002YXAOJOQPEGS38
- **Headquarters:** Clayton, MO
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AK, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, LA, ME, MI, MN, MO, MS, MT, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 79.5%
- **Brokered/Wholesale:** 20.5%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.277%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,171
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 273
- **Dollar Volume:** $73 million
- **Applications Received:** 772
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $268,516
- **Average Borrower Income:** $99,381
- **Average Property Value:** $316,136

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 31 | +0.226% | $2,005 | Acceptable 🙂 |
| FHA | 68/100 | 205 | +0.337% | $2,324 | Strong 😀 |
| VA | 44/100 | 32 | -0.154% | $1,108 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 24 loans, Score: 20/100 (Acceptable)

**FHA:**
- Purchase: 148 loans, Score: 66/100 (Strong)
- Refinance: 57 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 26 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 203 | $56M | +0.292% | Sound ☺️ |
| Refinance | 41/100 | 70 | $17M | +0.235% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 29 | 0.01% | 47/100 |
| MO | 26 | 0.03% | 50/100 |
| TX | 26 | 0.01% | 46/100 |
| NE | 19 | 0.09% | 50/100 |
| AZ | 18 | 0.02% | 47/100 |
| OK | 17 | 0.04% | 48/100 |
| CA | 14 | 0.00% | 41/100 |
| OH | 14 | 0.01% | 43/100 |
| IA | 12 | 0.03% | 44/100 |
| GA | 11 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 51 | 46/100 |
| Omaha, NE | NE-IA | 15 | 48/100 |
| St. Louis, MO | MO-IL | 13 | 45/100 |
| Tucson, AZ | AZ | 11 | 44/100 |

## Frequently Asked Questions

### What loan types does TruHome Solutions, LLC offer?

TruHome Solutions, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TruHome Solutions, LLC offer mortgages?

TruHome Solutions, LLC offers mortgages in 34 states: AK, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, LA, ME, MI, MN, MO, MS, MT, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV.

### How competitive are TruHome Solutions, LLC's mortgage rates?

TruHome Solutions, LLC has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.277% above market average.

### What type of lender is TruHome Solutions, LLC?

TruHome Solutions, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Clayton, MO.

### What is TruHome Solutions, LLC's loan approval success rate?

TruHome Solutions, LLC has a pull-through score of 20/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/truhome-solutions

### How to Cite

> "TruHome Solutions, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/truhome-solutions

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