Total Media Management Mortgage Rates, Fees & Info

OWENS CROSS ROADS, AL

LEI: 549300516L2LO1P5XX92

Tax ID: 26-2514970

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Total Media Management is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Total Media Management has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Orlando, Huntsville, Miami, Deltona, and Decatur among others. We have data for 20 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 a below average pick rate when compared to similar lenders. Total Media Management is typically an average 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.52% 4/28/24
    30 Year Conventional Refi 6.83% 4/28/24
    30 Year Cash-out Refi 6.76% 4/28/24
    30 Year FHA Purchase 7.34% 4/28/24
    30 Year FHA Refi 7.77% 4/28/24
    30 Year VA Purchase 5.87% 4/28/24
    30 Year VA Refi 6.27% 4/28/24
    15 Year Conventional Purchase 6.65% 4/28/24
    15 Year Conventional Refi 5.68% 4/28/24
    15 Year Cash-out Refi 5.68% 4/28/24
    15 Year VA Refi 5.68% 4/28/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Total Media Management. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    104

    Origination Dollar Volume (All Markets)

    $28,780,000

    Awards

    Total Media Management VA Loans bronze
    Show all (1) awards

    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
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 33 $9,195,000 $278,636 $9,331 4.41%
    HUNTSVILLE, AL (FHA|USDA|VA) 22 $6,130,000 $278,636 $7,613 4.85%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $2,020,000 $505,000 $9,776 5.09%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,555,000 $222,143 $9,094 4.57%
    DECATUR, AL (FHA|USDA|VA) 6 $1,340,000 $223,333 $5,735 4.81%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,125,000 $375,000 $4,878 5.79%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $965,000 $321,667 $6,007 5.00%
    THE VILLAGES, FL (FHA|USDA|VA) 4 $930,000 $232,500 $9,174 4.78%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $825,000 $275,000 $7,605 4.04%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $775,000 $258,333 $10,359 5.17%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $700,000 $350,000 $3,535 4.13%
    Scottsboro, AL (FHA|USDA|VA) 1 $635,000 $635,000 $13,940 4.63%
    OCALA, FL (FHA|USDA|VA) 3 $595,000 $198,333 $6,586 3.79%
    Cullman, AL (FHA|USDA|VA) 3 $505,000 $168,333 $5,855 5.08%
    Albertville, AL (FHA|USDA|VA) 2 $410,000 $205,000 $5,864 3.75%
    Outside of Metro Areas 1 $385,000 $385,000 $5,629 4.00%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $3,432 5.38%
    MOBILE, AL (FHA|USDA|VA) 1 $185,000 $185,000 $4,210 5.88%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,141 6.00%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $65,000 $65,000 $3,340 7.13%
    Total Media Management's top markets include Orlando, Huntsville, Miami, Deltona, and Decatur among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)

    • 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.

    US COMMUNITY
    Similarity Rank: 295
    Suncoast Credit Union
    Similarity Rank: 301
    First Farmers and Merchants Bank
    Similarity Rank: 456
    River Bank & Trust
    Similarity Rank: 686
    INSIGHT
    Similarity Rank: 780
    THE TENNESSEE CREDIT UNION
    Similarity Rank: 868
    TrustCo Bank
    Similarity Rank: 1008
    Citizens First Bank
    Similarity Rank: 1116
    ADDITION FINANCIAL
    Similarity Rank: 1170
    SPACE COAST Credit Union
    Similarity Rank: 1400

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 58 $16,550,000 $285,345 $6,483 4.85%
    VA 24 $7,530,000 $313,750 $9,926 4.25%
    FHA 22 $4,700,000 $213,636 $9,608 4.77%

    For 2022, Total Media Management's most frequently originated type of loan was Conventional, with 58 originations. Their 2nd most popular type was VA, with 24 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 73 $18,515,000 $253,630 $7,965 4.48%
    Home Purchase 29 $9,645,000 $332,586 $8,162 5.14%
    Refi 2 $620,000 $310,000 $3,750 6.06%

    For 2022, Total Media Management's most frequently cited loan purpose was Cash Out Refi, with 73 originations. The 2nd most popular reason was Home Purchase, with 29 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 97 $27,145,000 $279,845 $8,077 4.77%
    15 Year 5 $1,075,000 $215,000 $5,682 3.67%
    20 Year 1 $365,000 $365,000 $9,259 3.49%
    Other 1 $195,000 $195,000 $4,483 3.38%

    For 2022, Total Media Management's most frequently cited loan duration was 30 Year, with 97 originations. The 2nd most popular length was 15 Year, with 5 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 24 $6,220,000 $259,167
    $4k-5k 22 $6,490,000 $295,000
    $3k-4k 19 $3,755,000 $197,632
    $5k+ 17 $6,425,000 $377,941
    $2k-3k 14 $3,430,000 $245,000
    $<1k 8 $2,460,000 $307,500

    Total Media Management's average total fees were $8,077, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 24 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 32 $9,290,000 $290,313
    3-4% 28 $7,300,000 $260,714
    5-6% 28 $7,120,000 $254,286
    6-7% 9 $3,105,000 $345,000
    2.5-3% 6 $1,900,000 $316,667
    7-8% 1 $65,000 $65,000

    During 2022, Total Media Management's average interest rate for loans was 4.77%, while their most frequently originated rate bucket for loans was 4-5%, with 32 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 55 $14,845,000 $269,909 $8,353 4.53%
    $100k-200k 31 $4,935,000 $159,194 $6,522 4.73%
    $400k-600k 12 $5,840,000 $486,667 $9,280 4.85%
    $600k-1MM 3 $1,995,000 $665,000 $8,925 5.38%
    $100,000 or less 2 $160,000 $80,000 $4,305 6.44%
    $1MM+ 1 $1,005,000 $1,005,000 $17,300 5.00%

    2022 saw Total Media Management place emphasis on $200k-400k loans with 55 originations, totaling $14,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 26 $7,850,000 $301,923 $7,560 4.77%
    $75k-100k 24 $6,300,000 $262,500 $8,835 4.78%
    $50k-75k 21 $4,595,000 $218,810 $8,905 4.49%
    $50k or less 16 $2,880,000 $180,000 $6,362 4.82%
    $150k-250k 13 $5,665,000 $435,769 $7,928 4.79%
    $250k+ 3 $1,295,000 $431,667 $6,900 4.08%

    Total Media Management lent most frequently to those with incomes in the $100k-150k range, with 26 originations. The second most popular income band? $75k-100k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 29 $7,375,000 $254,310 $6,120 4.67%
    30-36% 12 $3,010,000 $250,833 $7,456 4.85%
    41% 7 $2,015,000 $287,857 $6,427 4.18%
    48% 6 $1,830,000 $305,000 $13,835 4.46%
    40% 5 $1,635,000 $327,000 $7,478 4.65%
    37% 5 $1,435,000 $287,000 $7,043 4.62%
    42% 5 $1,405,000 $281,000 $8,501 4.93%
    38% 5 $1,465,000 $293,000 $8,998 4.53%
    46% 5 $1,565,000 $313,000 $10,301 4.47%
    50-60% 4 $1,140,000 $285,000 $12,189 3.94%
    44% 4 $1,570,000 $392,500 $9,335 5.50%
    45% 4 $650,000 $162,500 $7,432 5.34%
    <20% 3 $565,000 $188,333 $6,226 4.17%
    36% 3 $935,000 $311,667 $7,921 5.16%
    43% 3 $835,000 $278,333 $10,182 5.54%
    39% 2 $520,000 $260,000 $7,551 4.44%
    49% 2 $830,000 $415,000 $7,587 4.93%

    Total Media Management lent most frequently to those with DTI ratios of 20-30%, with 29 originations. The next most common DTI ratio? 30-36%, with 12 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 78 $22,120,000 $283,590 $7,922 4.72%
    Not provided 21 $5,225,000 $248,810 $7,623 4.48%
    Black 4 $980,000 $245,000 $9,569 5.00%
    Asian 1 $455,000 $455,000 $9,371 6.25%

    Approval Rates

    Total approvals of all applications
    93.57%

    Total Media Management has an average approval rate.

    Pick Rate

    Approvals leading to origination
    47.12%

    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 104 $28,780,000 $276,731

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    104 $28,780,000 $276,731

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $875,000 $175,000 $6,578 4.52%
    40-60% 18 $3,910,000 $217,222 $6,562 5.08%
    60-80% 47 $13,335,000 $283,723 $7,334 4.70%
    80-100% 32 $9,920,000 $310,000 $9,401 4.49%
    Over 100% 2 $740,000 $370,000 $14,555 4.75%