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TruHome Solutions

Independent Mortgage Company•Clayton, MOHQ•Direct & Wholesale•Reviews near you on Google

TruHome Solutions has 273 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 3 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

TruHome Solutions performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+27.7 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Mediocre
Volume31
Mix11.4%
Spread
+0.226%Above
Fees
$2,005Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume205
Mix75.1%
Spread
+0.337%Above
Fees
$2,324Fees
VA Loans
Overall
Acceptable
Product
Sound
Pricing
Sound
Pull Through
Mediocre
Volume32
Mix11.7%
Spread
-0.154%Below
Fees
$1,108Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume203
Mix74.4%
Spread
+0.292%Above
Fees
$2,259Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Mediocre
Volume70
Mix25.6%
Spread
+0.235%Above
Fees
$1,915Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
273
Applications
772
Volume
$73 million
Pricing & Closing
Avg Rate Spread
+0.277%
vs. market APOR
Avg Net Fees
$2,171
Origination − Credits
Pullthrough Rate
35.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$268,516
Avg Borrower Income
$99,381
Avg Property Value
$316,136

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

34
34 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
CTMENJPA
Midwest10
IAILINKSMIMNMONEOHWI
South13
ARDEFLGALAMSNCOKSCTNTXVAWV
West7
AKAZCACOMTORWA

Top Metro Areas by Place Specialization Score

1© Katrina Wiese · CC BY-SA 2.0
Omaha, NE, NE-IAMetro
Volume 15Mix 5.49% of portfolio
48/100
Sound
2© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 13Mix 4.76% of portfolio
45/100
Sound
3© Bill Morrow from Tucson, AZ, US · CC BY 2.0
Tucson, AZMetro
Volume 11Mix 4.03% of portfolio
44/100
Sound

Top States by Place Specialization Score

Missouri
Missouri
1
MissouriState
Volume 26Mix 9.52% of portfolio
50/100
Sound
Nebraska
Nebraska
2
NebraskaState
Volume 19Mix 6.96% of portfolio
50/100
Sound
Oklahoma
Oklahoma
3
OklahomaState
Volume 17Mix 6.23% of portfolio
48/100
Sound
Florida
Florida
4
FloridaState
Volume 29Mix 10.62% of portfolio
47/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 18Mix 6.59% of portfolio
47/100
Sound
Texas
Texas
6
TexasState
Volume 26Mix 9.52% of portfolio
46/100
Sound
Iowa
Iowa
7
IowaState
Volume 12Mix 4.40% of portfolio
44/100
Sound
Ohio
Ohio
8
OhioState
Volume 14Mix 5.13% of portfolio
43/100
Sound
California
California
9
CaliforniaState
Volume 14Mix 5.13% of portfolio
41/100
Sound
Georgia
Georgia
10
GeorgiaState
Volume 11Mix 4.03% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.