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TruHome Solutions, LLC
Independent Mortgage Company|Clayton, MO|Near-National
Loans Originated
273
Applications
772
Volume
$73 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Mediocre
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.277%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,171
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
35.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
TruHome Solutions, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 4 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$268,516
Average Borrower Income
$99,381
Average Property Value
$316,136
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Sound | Mediocre | 31 | 11.4% | +0.226% | $2,005 |
FHA Loans | Strong | Strong | Strong | Sound | 205 | 75.1% | +0.337% | $2,324 |
VA Loans | Acceptable | Sound | Sound | Mediocre | 32 | 11.7% | -0.154% | $1,108 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 203 | 74.4% | +0.292% | $2,259 |
Refinance | Acceptable | Sound | Exceptional | Mediocre | 70 | 25.6% | +0.235% | $1,915 |
Geographic Coverage
Metro Areas
3
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKARAZCACOCTDEFLGAIAILINKSLAMEMIMNMOMSMTNCNENJOHOKORPASCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Omaha, NE, NE-IAMSA
Volume: 15Mix: 5.49%
Place Specialization
Sound
2
St. Louis, MO, MO-ILMSA
Volume: 13Mix: 4.76%
Place Specialization
Sound
3
Tucson, AZ, AZMSA
Volume: 11Mix: 4.03%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 26Mix: 9.52%
Place Specialization
Sound
2
NEState
Volume: 19Mix: 6.96%
Place Specialization
Sound
3
OKState
Volume: 17Mix: 6.23%
Place Specialization
Sound
4
FLState
Volume: 29Mix: 10.62%
Place Specialization
Sound
5
AZState
Volume: 18Mix: 6.59%
Place Specialization
Sound
6
TXState
Volume: 26Mix: 9.52%
Place Specialization
Sound
7
IAState
Volume: 12Mix: 4.40%
Place Specialization
Sound
8
OHState
Volume: 14Mix: 5.13%
Place Specialization
Sound
9
CAState
Volume: 14Mix: 5.13%
Place Specialization
Sound
10
GAState
Volume: 11Mix: 4.03%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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