Total Media Management Mortgage Rates, Fees & Info
OWENS CROSS ROADS, ALLEI: 549300516L2LO1P5XX92
Tax ID: 26-2514970
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Total Media Management is a smaller mortgage company specializing in Cash Out Refi, Home Purchase, and Refi loans. Total Media Management has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Huntsville, Orlando, Decatur, Nashville, and Birmingham among others. Total Media Management has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Total Media Management is typically an average fee lendor.Originations
195Origination Dollar Volume (All Markets)
$47,055,000Awards
Total Media Management - 2021
Total Media Management is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Total Media Management 's average 30 year fixed rate mortgage of loans were
3%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.15%.
Relative Fees
Total Media Management 's average total fees for a 30 year fixed rate
mortgage are $5,010.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HUNTSVILLE, AL (FHA|USDA|VA) | 78 | $19,800,000 | $253,846 | $4,637 | 2.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $6,160,000 | $256,667 | $5,725 | 3.12% |
| DECATUR, AL (FHA|USDA|VA) | 22 | $5,080,000 | $230,909 | $4,149 | 3.12% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $5,906 | 2.78% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $5,084 | 2.80% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $1,835,000 | $203,889 | $4,045 | 3.08% |
| Outside of Metro Areas | 5 | $1,175,000 | $235,000 | $3,325 | 3.03% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $8,977 | 2.65% |
| Cullman, AL (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $4,260 | 2.93% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,554 | 2.61% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,451 | 2.38% |
| Albertville, AL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,135 | 3.21% |
| Fort Payne, AL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,946 | 3.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,046 | 2.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,382 | 3.25% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,583 | 2.99% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,362 | 2.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,438 | 2.88% |
| DALTON, GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,153 | 2.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,671 | 2.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,554 | 2.88% |
| Starkville, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,097 | 3.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,401 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,102 | 2.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,199 | 2.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,347 | 3.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,805 | 3.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,844 | 3.00% |
| Hope, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,372 | 3.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,490 | 3.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,015 | 3.13% |
Total Media Management 's top markets include Huntsville, Orlando, Decatur, Nashville, and Birmingham among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 141 | $32,635,000 | $231,454 | $4,240 | 3.03% |
| VA | 43 | $12,275,000 | $285,465 | $6,034 | 2.62% |
| FHA | 11 | $2,145,000 | $195,000 | $6,723 | 2.80% |
For the 2021 period, Total Media Management 's most frequently originated loan type of loans were Conventional, with 141 originations. Their 2nd most popular type is VA, with 43 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 97 | $22,825,000 | $235,309 | $5,274 | 3.01% |
| Home Purchase | 45 | $11,945,000 | $265,444 | $4,934 | 2.99% |
| Refi | 43 | $9,835,000 | $228,721 | $3,641 | 2.68% |
| Home Improvement | 10 | $2,450,000 | $245,000 | $4,106 | 3.01% |
For the 2021, Total Media Management 's most frequently cited loan purpose of loans were Cash Out Refi, with 97 originations. The 2nd most popular reason of loans were Home Purchase, with 45 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 149 | $37,065,000 | $248,758 | $5,010 | 3.00% |
| 15 Year | 35 | $7,645,000 | $218,429 | $3,973 | 2.64% |
| 20 Year | 10 | $2,020,000 | $202,000 | $4,216 | 2.90% |
| Other | 1 | $325,000 | $325,000 | $3,472 | 2.63% |
For the 2021, Total Media Management 's most frequently cited loan length of loans were 30 Year, with 149 originations. The 2nd most popular length of loans were 15 Year, with 35 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 87 | $20,855,000 | $239,713 |
| 3-4% | 61 | $13,935,000 | $228,443 |
| <2.5% | 42 | $11,580,000 | $275,714 |
| 4-5% | 5 | $685,000 | $137,000 |
During 2021, Total Media Management 's average interest rate of loans were 3.00%, while their most frequently originated rate bucket of loans were 2.5-3%, with 87 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 95 | $26,565,000 | $279,632 | $5,380 | 2.83% |
| $100k-200k | 83 | $12,765,000 | $153,795 | $3,777 | 3.06% |
| $400k-600k | 16 | $7,630,000 | $476,875 | $6,461 | 2.80% |
| $100,000 or less | 1 | $95,000 | $95,000 | $3,251 | 3.50% |
2021 saw Total Media Management place emphasis on $200k-400k loans with 95 originations, totaling $26,565,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 53 | $14,455,000 | $272,736 | $4,917 | 2.85% |
| $50k-75k | 50 | $9,970,000 | $199,400 | $4,970 | 3.02% |
| $150k-250k | 31 | $9,295,000 | $299,839 | $5,519 | 2.82% |
| $75k-100k | 31 | $6,295,000 | $203,065 | $4,393 | 3.03% |
| $50k or less | 21 | $3,475,000 | $165,476 | $4,140 | 3.05% |
| $250k+ | 8 | $3,390,000 | $423,750 | $3,380 | 2.70% |
Total Media Management lent most frequently to those with incomes in the $100k-150k range, with 53 originations. The second most popular income band? $50k-75k, with 50 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 48 | $11,290,000 | $235,208 | $4,666 | 2.87% |
| 30-36% | 43 | $10,445,000 | $242,907 | $5,455 | 2.98% |
| <20% | 29 | $7,355,000 | $253,621 | $3,600 | 2.81% |
| 43% | 11 | $2,775,000 | $252,273 | $5,286 | 3.05% |
| 36% | 11 | $2,535,000 | $230,455 | $4,298 | 2.86% |
| 38% | 7 | $1,625,000 | $232,143 | $5,886 | 2.98% |
| 40% | 7 | $2,225,000 | $317,857 | $5,421 | 3.12% |
| 41% | 6 | $1,470,000 | $245,000 | $4,783 | 3.13% |
| 44% | 6 | $1,390,000 | $231,667 | $4,621 | 3.06% |
| 50-60% | 5 | $1,005,000 | $201,000 | $4,463 | 2.85% |
| 39% | 4 | $620,000 | $155,000 | $4,609 | 3.06% |
| 45% | 4 | $1,060,000 | $265,000 | $6,170 | 2.75% |
| 42% | 3 | $585,000 | $195,000 | $4,437 | 3.46% |
| 46% | 2 | $370,000 | $185,000 | $5,813 | 3.25% |
| 47% | 2 | $360,000 | $180,000 | $6,119 | 3.25% |
| 37% | 2 | $620,000 | $310,000 | $4,594 | 2.81% |
| Exempt% | 2 | $600,000 | $300,000 | $1,403 | 2.31% |
| 48% | 1 | $265,000 | $265,000 | $8,671 | 2.63% |
Total Media Management lent most frequently to those with DTI ratios of 20-30%, with 48 originations. The next most common DTI ratio? 30-36%, with 43 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 179 | $43,205,000 | $241,369 | $4,657 | 2.94% |
| Not provided | 8 | $2,110,000 | $263,750 | $7,013 | 2.91% |
| Black | 4 | $960,000 | $240,000 | $4,768 | 2.50% |
| Asian | 3 | $665,000 | $221,667 | $6,168 | 2.88% |
| American Indian | 1 | $115,000 | $115,000 | $4,006 | 3.63% |
Approval Rates
Total approvals of all applications87.27%
Total Media Management has an average approval rate.
Pick Rate
Approvals leading to origination81.98%
Total Media Management has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 195 | $47,055,000 | $241,308 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 195 | $47,055,000 | $241,308 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 6 | $890,000 | $148,333 | $3,318 | 2.73% |
| 40-60% | 34 | $8,010,000 | $235,588 | $4,401 | 2.82% |
| 60-80% | 108 | $25,640,000 | $237,407 | $4,811 | 2.97% |
| 80-100% | 45 | $11,855,000 | $263,444 | $4,853 | 2.95% |
| Over 100% | 2 | $660,000 | $330,000 | $11,880 | 2.75% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
