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 Cash Out 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Huntsville, Birmingham, Decatur, Albertville, and Nashville among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)Total Media Management has an above average approval rate when compared to the average across all lenders. They have an above 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
262Origination Dollar Volume (All Markets)
$61,330,000Awards
Total Media Management - 2020
Total Media Management is a 2020 , due to their low .
For 2020, 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) | 143 | $35,275,000 | $246,678 | $3,962 | 2.90% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 21 | $4,715,000 | $224,524 | $4,367 | 2.92% |
| DECATUR, AL (FHA|USDA|VA) | 20 | $3,890,000 | $194,500 | $3,956 | 3.11% |
| Albertville, AL (FHA|USDA|VA) | 17 | $3,765,000 | $221,471 | $3,884 | 2.85% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $2,670,000 | $222,500 | $3,564 | 3.31% |
| Scottsboro, AL (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $4,683 | 2.86% |
| Outside of Metro Areas | 7 | $1,435,000 | $205,000 | $3,987 | 2.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $6,086 | 3.15% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,002 | 2.94% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,533 | 2.81% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $5,662 | 2.78% |
| Fort Payne, AL (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,267 | 3.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,387 | 3.00% |
| Cullman, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,007 | 2.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,570 | 2.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,352 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,969 | 2.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,675 | 2.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,110 | 3.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,328 | 3.50% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,064 | 2.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,327 | 3.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,107 | 3.50% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,629 | 2.38% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,208 | 3.75% |
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 2020, Total Media Management's most frequently originated type of loan was Conventional, with 194 originations. Their 2nd most popular type was VA, with 59 originations.
Loan Reason
For 2020, Total Media Management's most frequently cited loan purpose was Cash Out Refi, with 218 originations. The 2nd most popular reason was Home Purchase, with 43 originations.
Loan Duration/Length
For 2020, Total Media Management's most frequently cited loan duration was 30 Year, with 205 originations. The 2nd most popular length was 15 Year, with 42 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 130 | $30,970,000 | $238,231 |
| 3-4% | 74 | $15,290,000 | $206,622 |
| <2.5% | 55 | $14,435,000 | $262,455 |
| 4-5% | 3 | $635,000 | $211,667 |
During 2020, Total Media Management's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 130 originations.
Loan Sizing
2020 saw Total Media Management place emphasis on $200k-400k loans with 143 originations, totaling $38,605,000 in origination value.
Applicant Income
Total Media Management lent most frequently to those with incomes in the $100k-150k range, with 84 originations. The second most popular income band? $150k-250k, with 61 originations.
Applicant Debt to Income Ratio
Total Media Management lent most frequently to those with DTI ratios of <20%, with 69 originations. The next most common DTI ratio? 20-30%, with 63 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.46%
Total Media Management has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination97.33%
Total Media Management has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 262 | $61,330,000 | $234,084 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 262 | $61,330,000 | $234,084 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Closing on a mortgage | 2 | 40.0% |
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Trouble during payment process | 1 | 20.0% |
| TOTAL MORTGAGE SERVICES LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |
| TOTAL MORTGAGE SERVICES LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |