At a glance
From its website, read 2 Nov 2026TCHFH Lending, Inc. is a loan fund based in St. Paul, Minnesota. Its website describes home mortgages. Where it lends: Seven-county Twin Cities metro area (Minnesota). Consumer loan APRs stated on its site range from 5.5% to 5.8095%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | home.tchabitat.org/truepath-mortgage |
|---|---|
| Office (official list) | 1954 University Ave W, St. Paul, MN 55104 |
What their website says about applying
The first step toward buying a home with Habitat is completing our eligibility questionnaire.
sourceYou’ll receive an email with instructions to log into the Habitat Portal and complete a program application.
sourceGather your documents ahead of time. This can help speed up the application process.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate: 5.5% APR | 5.5% fixed interest rate, 5.8095% APR | source |
| Home mortgages | Rate: 5.8095% APR | 5.5% fixed interest rate, 5.8095% APR | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
or invisible/no credit acceptable with alternative credit documentation
source - Low or damaged credit considered
Credit scores between 580-620 or invisible/no credit acceptable
source - Income limit applies
Our program serves households with incomes below 80% of area median income, which varies based on household size.
source - First-time homebuyer program
Be a first-time Homebuyer (haven’t owned property in the past three years)
source - Homebuyer education required
everyone who buys with us must complete Habitat Homebuyer Education classes
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Jun 2018 |
| RSSD ID | — (none listed) |
| Address | 1954 University Ave W, St. Paul, MN 55104 Directions (Google Maps) |
| Website | home.tchabitat.org/truepath-mortgage |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Only one mortgage product is described, and no loan amount range is stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | TCHFH Lending, Inc. offers the TruePath Mortgage product to low-and-moderate income households across the seven-county metro. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Seven-county Twin Cities metro area (Minnesota)
offers the TruePath Mortgage product to low-and-moderate income households across the seven-county metro.
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://home.tchabitat.org/truepath-mortgage
- https://home.tchabitat.org/homeownership-criteria
- https://home.tchabitat.org/mortgages-and-loans-in-minnesota
- https://home.tchabitat.org/homeownership-program-process
- https://home.tchabitat.org/financial-management
- https://home.tchabitat.org/the-heights
- https://home.tchabitat.org/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.4 million in 5 awards from the U.S. Treasury's CDFI Fund, 2019–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,602,780 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
| 2021 | CDFI Program, Financial Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2019 | CDFI Program, Financial Assistance | $700,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $9.9M |
|---|---|
| Total liabilities | $7M |
| Net assets | $3M |
| Total revenue | $2.5M |
| Program-related investments (Part X line 13) | $5.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 81-1958719, filed as “TCHFH LENDING INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue |
|---|---|---|---|
| Jun 2022 (990) | $7.8M | $2.2M | $2.4M |
| Jun 2023 (990) | $9.9M | $3M | $2.5M |
Total assets grew 28% from Jun 2022 to Jun 2023. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $9.9M | Larger than 16% of the 19 other certified loan funds and venture funds in Minnesota with a matched Form 990 (median $21.7M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Minnesota | 19 | larger than 16% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in St. Paul and Minnesota
- Greater Minnesota Housing FundLoan fund · St. Paul, MNAffordable housing development loansVerified
- Habitat for Humanity of Minnesota, Inc.Loan fund · St. Paul, MNVerified
- African Development CenterLoan fund · Minneapolis, MNMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- African Economic Development SolutionsLoan fund · St Paul, MNCredit-builder loans, Microloans, Small-business loansVerified
- Community Reinvestment Fund, IncLoan fund · Minneapolis, MNSmall-business loansVerified
- First Children's FinanceLoan fund · Minneapolis, MNChild-care facility financing, Small-business loansVerified
Work at TCHFH Lending, Inc.? Link to this page
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