Total Media Management Mortgage Rates, Fees & Info
OWENS CROSS ROADS, ALLEI: 549300516L2LO1P5XX92
Tax ID: 26-2514970
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Mortgage Data
Review & Overview
Total Media Management is a smaller mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Total Media Management has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Huntsville, Nashville, Birmingham, Decatur, and Knoxville among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Total Media Management has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Total Media Management is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.52% | 11/21/24 |
| 30 Year Conventional Refi | 6.83% | 11/21/24 |
| 30 Year Cash-out Refi | 6.76% | 11/21/24 |
| 30 Year FHA Purchase | 7.34% | 11/21/24 |
| 30 Year FHA Refi | 7.77% | 11/21/24 |
| 30 Year VA Purchase | 5.87% | 11/21/24 |
| 30 Year VA Refi | 6.27% | 11/21/24 |
| 15 Year Conventional Purchase | 6.65% | 11/21/24 |
| 15 Year Conventional Refi | 5.68% | 11/21/24 |
| 15 Year Cash-out Refi | 5.68% | 11/21/24 |
| 15 Year VA Refi | 5.68% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Total Media Management Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
175Origination Dollar Volume (All Markets)
$35,655,000Awards
Total Media Management - 2019
Total Media Management is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HUNTSVILLE, AL (FHA|USDA|VA) | 81 | $16,815,000 | $207,593 | $4,420 | 3.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $4,105,000 | $216,053 | $4,812 | 4.46% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 17 | $3,175,000 | $186,765 | $4,712 | 4.18% |
| DECATUR, AL (FHA|USDA|VA) | 14 | $2,700,000 | $192,857 | $5,067 | 4.03% |
| Outside of Metro Areas | 7 | $1,935,000 | $276,429 | $4,426 | 3.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $6,226 | 4.75% |
| Cullman, AL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,093 | 5.21% |
| Albertville, AL (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $4,235 | 4.35% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,231 | 4.96% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,716 | 4.04% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,758 | 4.19% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,651 | 3.96% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,176 | 3.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,560 | 3.63% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,843 | 4.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,106 | 4.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,839 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,781 | 4.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,720 | 3.99% |
| Jasper, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,989 | 3.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,663 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,201 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,242 | 5.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Total Media Management based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, Total Media Management's most frequently originated type of loan was Conventional, with 106 originations. Their 2nd most popular type was VA, with 37 originations.
Loan Reason
For 2019, Total Media Management's most frequently cited loan purpose was Home Purchase, with 77 originations. The 2nd most popular reason was Cash Out Refi, with 43 originations.
Loan Duration/Length
For 2019, Total Media Management's most frequently cited loan duration was 30 Year, with 147 originations. The 2nd most popular length was 15 Year, with 21 originations.
Origination Fees/Closing Costs
Total Media Management's average total fees were $4,696, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 50 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 87 | $20,165,000 | $231,782 |
| 4-5% | 70 | $11,690,000 | $167,000 |
| 5-6% | 13 | $2,225,000 | $171,154 |
| 2.5-3% | 5 | $1,575,000 | $315,000 |
During 2019, Total Media Management's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 3-4%, with 87 originations.
Loan Sizing
2019 saw Total Media Management place emphasis on $100k-200k loans with 83 originations, totaling $12,225,000 in origination value.
Applicant Income
Total Media Management lent most frequently to those with incomes in the $50k or less range, with 39 originations. The second most popular income band? $100k-150k, with 38 originations.
Applicant Debt to Income Ratio
Total Media Management lent most frequently to those with DTI ratios of 20-30%, with 46 originations. The next most common DTI ratio? 30-36%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.97%
Total Media Management has a below average approval rate.
Pick Rate
Approvals leading to origination62.29%
Total Media Management has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 175 | $35,655,000 | $203,743 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $155,000 | $155,000 |
| Single Family (1-4 Units):Site-Built | 174 | $35,500,000 | $204,023 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |