Total Mortgage Services Rates, Fees & Info
MILFORD, CTLEI: 549300VJQJVZKJBDWS17
Tax ID: 06-1484285
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Mortgage Data
Review & Overview
Total Mortgage Services is a small mortgage company specializing in Home Purchase loans. Total Mortgage Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Bridgeport, Boston, Hartford, New Haven, and Worcester among others. We have data for 156 markets. (Some data included below & more in-depth data is available with an active subscription.)Total Mortgage Services 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 Mortgage Services is typically a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 6/8/23 |
| 30 Year Conventional Purchase | 6.40% | 6/8/23 |
| 30 Year Conventional Refi | 6.66% | 6/8/23 |
| 30 Year Cash-out Refi | 6.86% | 6/8/23 |
| 30 Year FHA Purchase | 7.45% | 6/8/23 |
| 30 Year FHA Refi | 7.19% | 6/8/23 |
| 30 Year VA Purchase | 6.41% | 6/8/23 |
| 30 Year VA Refi | 6.44% | 6/8/23 |
| 30 Year USDA Purchase | 6.71% | 6/8/23 |
| 15 Year Conventional Purchase | 4.21% | 6/8/23 |
| 15 Year Conventional Refi | 6.10% | 6/8/23 |
| 15 Year Cash-out Refi | 6.10% | 6/8/23 |
| 15 Year FHA Purchase | 7.85% | 6/8/23 |
| 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 Mortgage Services Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Total Mortgage Services. 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
5,734Origination Dollar Volume (All Markets)
$1,754,960,000Awards
TOTAL MORTGAGE SERVICES - 2022
TOTAL MORTGAGE SERVICES is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Total Mortgage Services's average 30 year fixed mortgage rate was
4.91%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.15%.
Relative Fees (Closing Costs)
Total Mortgage Services's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,330.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 689 | $262,775,000 | $381,386 | $9,266 | 4.72% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 675 | $261,485,000 | $387,385 | $8,853 | 4.65% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 823 | $196,995,000 | $239,362 | $5,895 | 4.45% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 737 | $189,055,000 | $256,520 | $7,855 | 4.70% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 643 | $180,105,000 | $280,101 | $7,786 | 4.78% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 395 | $135,475,000 | $342,975 | $10,092 | 4.87% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 190 | $67,460,000 | $355,053 | $7,372 | 4.90% |
| Torrington, CT (FHA|USDA|VA) | 240 | $59,320,000 | $247,167 | $6,870 | 4.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 125 | $53,915,000 | $431,320 | $12,720 | 4.99% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 190 | $44,700,000 | $235,263 | $6,024 | 4.66% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 96 | $35,490,000 | $369,688 | $9,043 | 5.09% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 79 | $28,345,000 | $358,797 | $6,964 | 5.16% |
| Outside of Metro Areas | 91 | $27,515,000 | $302,363 | $7,377 | 5.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 60 | $18,110,000 | $301,833 | $8,859 | 5.14% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 78 | $17,490,000 | $224,231 | $6,701 | 4.73% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 80 | $17,480,000 | $218,500 | $4,805 | 4.67% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 48 | $14,550,000 | $303,125 | $6,904 | 4.82% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 26 | $8,420,000 | $323,846 | $7,084 | 4.78% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 25 | $8,055,000 | $322,200 | $8,891 | 5.81% |
| PITTSFIELD, MA (FHA|USDA|VA) | 22 | $7,560,000 | $343,636 | $8,813 | 4.72% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $5,270,000 | $292,778 | $8,025 | 4.74% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 12 | $5,240,000 | $436,667 | $8,606 | 4.83% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $5,175,000 | $246,429 | $5,248 | 4.46% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 14 | $5,090,000 | $363,571 | $9,211 | 4.91% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $4,815,000 | $283,235 | $8,274 | 4.78% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 14 | $4,570,000 | $326,429 | $9,433 | 5.82% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 18 | $4,400,000 | $244,444 | $6,956 | 4.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $4,115,000 | $374,091 | $8,577 | 5.32% |
| BANGOR, ME (FHA|USDA|VA) | 14 | $3,780,000 | $270,000 | $5,321 | 4.67% |
| Concord, NH (FHA|USDA|VA) | 12 | $3,670,000 | $305,833 | $5,729 | 5.20% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $3,210,000 | $321,000 | $7,520 | 5.16% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 9 | $2,905,000 | $322,778 | $7,573 | 5.37% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $2,430,000 | $405,000 | $7,681 | 4.08% |
| Keene, NH (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $8,004 | 4.66% |
| Laconia, NH (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $7,935 | 4.37% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $2,235,000 | $745,000 | $6,874 | 3.58% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $8,329 | 5.79% |
| Lebanon, NH-VT (FHA|USDA|VA) | 9 | $2,075,000 | $230,556 | $8,556 | 5.60% |
| COLUMBIA, SC (FHA|USDA|VA) | 10 | $2,020,000 | $202,000 | $8,208 | 5.76% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $1,955,000 | $1,955,000 | $6,603 | 4.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $8,721 | 4.83% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $10,093 | 4.53% |
| KINGSTON, NY (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $13,248 | 4.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $11,388 | 4.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $9,723 | 5.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $8,074 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $8,908 | 4.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $5,862 | 4.62% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $5,215 | 3.63% |
| BINGHAMTON, NY (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $7,125 | 5.73% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,157 | 5.88% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,059 | 4.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $8,168 | 4.03% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $17,007 | 3.81% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,336 | 6.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $10,168 | 4.29% |
| Hudson, NY (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $13,631 | 5.83% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $4,980 | 4.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $7,350 | 5.69% |
| Whitewater, WI (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,159 | 4.59% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $9,132 | 5.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,586 | 4.08% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $6,935 | 5.91% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,164 | 4.29% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $8,360 | 5.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,290 | 3.83% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $9,556 | 2.99% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,803 | 5.94% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $13,266 | 4.69% |
| READING, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $15,781 | 4.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,015 | 4.63% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,610 | 4.94% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,344 | 5.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,879 | 4.25% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,207 | 4.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,946 | 4.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,416 | 5.81% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $22,444 | 4.25% |
| MADISON, WI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,006 | 4.96% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,697 | 3.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,382 | 5.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,322 | 3.25% |
| Newberry, SC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,499 | 5.06% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,960 | 6.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $10,820 | 5.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,029 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,189 | 4.00% |
| Rutland, VT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $23,776 | 5.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,967 | 6.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,425 | 5.63% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,210 | 3.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,275 | 4.75% |
| Corning, NY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $19,125 | 6.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,929 | 5.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,305 | 4.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,478 | 5.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,925 | 3.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,037 | 3.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $19,466 | 3.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,323 | 3.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,875 | 5.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,059 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,647 | 6.50% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,332 | 3.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,691 | 5.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,317 | 4.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,220 | 4.69% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,212 | 5.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $15,928 | 5.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,208 | 3.13% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,688 | 6.13% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,776 | 5.99% |
| Seneca, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,197 | 6.38% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $7,215 | 6.06% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,373 | 4.75% |
| Barre, VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,635 | 6.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,541 | 4.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,043 | 4.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,438 | 6.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,951 | 3.88% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,563 | 6.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,291 | 6.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,217 | 3.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,551 | 6.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,457 | 2.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,751 | 3.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,738 | 5.99% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,783 | 7.31% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,160 | 3.13% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,350 | 7.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,350 | 6.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,470 | 8.75% |
| Bennington, VT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,482 | 7.38% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,403 | 5.38% |
| Waycross, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,705 | 7.63% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,745 | 1.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,745 | 3.63% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,495 | 5.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,283 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,285 | 6.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,735 | 6.88% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,778 | 6.25% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,662 | 5.25% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,749 | 4.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,395 | 5.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,259 | 4.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,106 | 6.99% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,190 | 5.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,906 | 5.99% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,559 | 5.63% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,111 | 6.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,617 | 5.25% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,930 | 4.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,676 | 4.75% |
| Berlin, NH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,231 | 4.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,025 | 7.25% |
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We use machine learning to identify the top lenders compared against TOTAL MORTGAGE SERVICES 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 2022, Total Mortgage Services's most frequently originated type of loan was Conventional, with 4,378 originations. Their 2nd most popular type was FHA, with 1,187 originations.
Loan Reason
For 2022, Total Mortgage Services's most frequently cited loan purpose was Home Purchase, with 4,893 originations. The 2nd most popular reason was Cash Out Refi, with 535 originations.
Loan Duration/Length
For 2022, Total Mortgage Services's most frequently cited loan duration was 30 Year, with 5,300 originations. The 2nd most popular length was 15 Year, with 266 originations.
Origination Fees/Closing Costs
Total Mortgage Services's average total fees were $8,330, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,777 originations.
Interest Rates
During 2022, Total Mortgage Services's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 5-6%, with 1,755 originations.
Loan Sizing
2022 saw Total Mortgage Services place emphasis on $200k-400k loans with 2,962 originations, totaling $864,270,000 in origination value.
Applicant Income
Total Mortgage Services lent most frequently to those with incomes in the $100k-150k range, with 1,391 originations. The second most popular income band? $50k-75k, with 1,391 originations.
Applicant Debt to Income Ratio
Total Mortgage Services lent most frequently to those with DTI ratios of 30-36%, with 895 originations. The next most common DTI ratio? 20-30%, with 738 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.98%
Total Mortgage Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination72.85%
Total Mortgage Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,734 | $1,754,960,000 | $306,062 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,734 | $1,754,960,000 | $306,062 |