TruHome Solutions

What TruHome Solutions does

TruHome Solutions, LLC is a Credit Union Service Organization (CUSO) headquartered in Overland Park, Kansas, that provides mortgage origination, servicing, and member-engagement services exclusively to U.S. credit unions. Founded in 2004 and operating as a private LLC under NMLS #284608 with mortgage-related licenses in 50+ states and jurisdictions, the company functions as a turnkey outsourced mortgage partner for credit unions that lack the staff, technology, or compliance infrastructure to operate mortgage programs on their own.

The company operates a digital mortgage platform combining proprietary point-of-sale (POS) technology, a fully digital servicing platform with single-sign-on integration into credit union online banking, nightly data file feeds into credit union core systems, and integrations with major third-party mortgage technology providers including Optimal-Blue and ICE Mortgage Technology. Product offerings are organized as a platform-plus-modules architecture: Turnkey Solutions is the core full-service offering, with specialized modules for Government Lending (FHA, VA, USDA, including FHA sponsorship), Wholesale origination with private labeling, Lead Generation and Outbound member-engagement services, Fulfillment (stand-alone processing, underwriting, closing), Mortgage Servicing with co-branded member communications and MSR retention on portfolio loans, and Mortgage Assistance (loss mitigation including forbearance, modifications, short sales, and deed-in-lieu).

TruHome's business model is a hybrid of managed services and transaction fees. Revenue streams include mortgage servicing fees for loans serviced under the credit union's brand, origination volume through wholesale and turnkey, fulfillment services for larger programs on a variable-cost basis, and a publicly disclosed schedule of transaction-based loan administration fees (e.g., $150 subordination, $300-$450 modifications, $400-$900 assumptions, $500 re-amortization, plus pass-through title/recording costs). Distribution is exclusively B2B through direct credit union partnerships; the company does not market directly to consumers. Named credit union customers include Alltru, Greater Texas, Insight, CommunityAmerica, and BrightStar. Marketing relies on content channels including the Talking Mortgage podcast, the Mortgage Time newsletter, blog content, industry events such as ACUMA, and customer testimonials, all targeting credit union decision-makers.

Name

TruHome Solutions

Legal name

TruHome Solutions, LLC

Website

https://truhome.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

TruHome Solutions is a Credit Union Service Organization (CUSO) that provides turnkey mortgage origination, digital servicing, and member-engagement services exclusively to U.S. credit unions. It operates a proprietary digital mortgage platform licensed across 50+ states under NMLS #284608, headquartered in Overland Park, Kansas.

Ownership category

akta.pro rank

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Servicing Fees: Fees charged for mortgage servicing operations performed on behalf of credit unions. The company services loans under the credit union's name, including co-branded experiences for sold loans.
2. Loan Modification and Processing Fees: Transaction-based fees for various loan services including balloon loan resets ($250-$350), modification fees ($300-$450), assumption fees (1% of principal balance, $400-$900), subordination fees ($150), re-amortization fees ($500), and title change fees ($100-$900).
3. Lending Fulfillment Services: Stand-alone processing, underwriting, and closing services for larger mortgage programs, bringing variable cost structure to credit union partners.
4. Wholesale Lending: As a wholesale lender, TruHome originates, funds, and services mortgage portfolios for credit unions with private labeling to keep the credit union's brand front and center.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

TruHome Solutions operates as a Credit Union Service Organization (CUSO) providing mortgage origination, lending, and servicing solutions exclusively to credit unions. The company delivers a digital mortgage platform with proprietary point-of-sale technology, full-service turnkey mortgage outsourcing, wholesale lending with private labeling, government lending (FHA/VA/USDA), fulfillment services, and a digital mortgage servicing platform integrated with credit unions' online banking systems.

Product overview

TruHome Solutions is a Credit Union Service Organization (CUSO) providing a comprehensive suite of mortgage lending and servicing solutions exclusively for credit unions. The portfolio includes Turnkey Solutions as the primary full-service offering, supplemented by Government Lending (FHA/VA/USDA), Wholesale, Lead Generation/Outbound Services, and Fulfillment modules. Mortgage Servicing delivers a digital platform for portfolio management. Mortgage Assistance services support homeowners in financial hardship. The architecture is platform-plus-modules, with the Turnkey solution serving as the core umbrella product while specialized modules address specific lending and servicing needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Turnkey Solutions Full-service mortgage outsourcing solution allowing credit unions to offer a complete range of mortgage products without hiring staff or investing in systems. Combines digital mortgage experience with credit union expertise.
• Government Lending Government-backed loan programs including FHA, VA, and USDA loans. TruHome is an approved FHA, VA, and USDA lender. Also offers FHA sponsorship allowing credit unions to earn compensation for services performed.
• Wholesale Lending Wholesale lending service where TruHome originates, funds, and services the mortgage portfolio while private labeling the loan so the credit union's brand remains front and center.
• Lead Generation / Outbound Services Identifies members who obtain mortgages elsewhere and provides targeted outbound services to bring them home to the credit union for their mortgage needs.
• Fulfillment Stand-alone processing, underwriting, and closing services for larger mortgage programs. TruHome becomes part of the credit union's lending process with a variable cost structure.
• Mortgage Servicing Premier mortgage servicing platform for credit unions created by credit union professionals. Includes member experience portal, co-branded communications, single-sign-on integration, flexible reporting, and full decision authority on portfolio loans.
• Mortgage Assistance Services for homeowners struggling with mortgage payments including forbearance, repayment plans, payment deferral, loan modifications, short sales, and deed-in-lieu of foreclosure.

Quantifiable outcome

• Member mortgage penetration improvement from 3% average to potentially 10%+ through outbound trigger programs and member engagement.
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Optimal-BluecoreTechnology or IntegrationTechnology integration partner providing best-in-class mortgage technology solutions that integrate with TruHome's offerings and enrich existing credit union processes and workflows.
• ICE Mortgage TechnologycoreTechnology or IntegrationIntegration partner (ICE Mortgage Technology - mortgagetech.ice.com) providing technology solutions that integrate with TruHome's mortgage servicing and origination platforms for credit unions.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Dovenmuehle Mortgage: Dovenmuehle is a large mortgage subservicer that performs loan servicing on behalf of lenders and credit unions. Like TruHome, it provides back-office mortgage servicing infrastructure at scale and is a natural competitor for the same credit union servicing contracts.
• Cenlar FSB: Cenlar is one of the largest residential mortgage subservicers in the U.S., serving banks, credit unions, and other originators. It competes head-to-head with TruHome for credit union mortgage servicing and subservicing mandates.
• Planet Home Lending: Planet Home Lending is a full-service mortgage banker offering origination, servicing, and subservicing across retail, wholesale, and correspondent channels, including credit union and community bank programs that overlap with TruHome's offering set.

Broad incumbents

• Mr. Cooper: Mr. Cooper is the largest U.S. mortgage servicer and a major originator. While not credit-union-exclusive, it operates in the same mortgage origination and servicing space and is often evaluated as a partner or competitor for credit union mortgage programs.
• NewRez (formerly New Penn Financial): NewRez is a large national mortgage lender and servicer offering retail, wholesale, and servicing products. It competes for the same credit union and community lender business as TruHome at a much larger scale.

Emerging players

• Blend: Blend is a digital mortgage platform provider serving banks, credit unions, and other lenders. It competes with TruHome's proprietary digital POS and origination technology stack on the credit union and community bank side.
• Maxwell: Maxwell is a digital mortgage technology provider focused on credit unions and community banks. It directly competes with TruHome's POS and origination platform for the same credit union customers.
• Mortgage Cadence: Mortgage Cadence provides a digital mortgage origination and closing platform used by credit unions and community lenders. It competes with TruHome's technology stack and services offering in the credit union segment.

Others

• ICE Mortgage Technology (formerly Black Knight): ICE Mortgage Technology is a core technology partner of TruHome, providing the loan origination system and servicing platform. It is also a potential competitor, as it can sell the same technology stack directly to credit unions.
• Optimal Blue: Optimal Blue is a mortgage pricing and product eligibility engine integrated with TruHome. It is a partner, but also a key infrastructure provider whose strategic moves affect TruHome's platform economics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/truhomesolution
• LinkedInlinkedin.com/company/truhome-solutions-llc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 TruHome Solutions