Total Mortgage Services Rates, Fees & Info

MILFORD, CT

LEI: 549300VJQJVZKJBDWS17

Tax ID: 06-1484285

3 stars - out of 5 stars, based on 102 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 Mortgage Services is a mid-sized mortgage company specializing in Home Purchase and Refi 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, New Haven, Hartford, and Worcester among others. We have data for 200 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 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
    Home Equity Line of Credit (HELOC) 6.27% 1/29/23
    30 Year Conventional Purchase 6.74% 1/29/23
    30 Year Conventional Refi 6.56% 1/29/23
    30 Year Cash-out Refi 6.77% 1/29/23
    30 Year FHA Purchase 7.70% 1/29/23
    30 Year FHA Refi 7.19% 1/29/23
    30 Year VA Purchase 6.66% 1/29/23
    30 Year VA Refi 6.21% 1/29/23
    30 Year USDA Purchase 6.93% 1/29/23
    30 Year USDA Refi 6.55% 1/29/23
    15 Year Conventional Purchase 5.75% 1/29/23
    15 Year Conventional Refi 5.95% 1/29/23
    15 Year Cash-out Refi 5.95% 1/29/23
    15 Year FHA Purchase 7.44% 1/29/23
    15 Year FHA Refi 7.01% 1/29/23
    15 Year VA Purchase 5.96% 1/29/23
    15 Year VA Refi 5.72% 1/29/23
    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.


    Originations

    10,339

    Origination Dollar Volume (All Markets)

    $3,097,515,000

    Awards

    TOTAL MORTGAGE SERVICES 30 Year Conventional Loans gold TOTAL MORTGAGE SERVICES 30 Year Conventional Loans bronze TOTAL MORTGAGE SERVICES 30 Year Conventional Loans gold TOTAL MORTGAGE SERVICES 30 Year Conventional Loans bronze
    Show all (4) awards

    Relative Rate

    Total Mortgage Services's average 30 year fixed mortgage rate was 3.25%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.1%.

    Relative Fees (Closing Costs)

    Total Mortgage Services's average total fees/closing costs for a 30 year fixed rate mortgage were $6,419.

    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) 1,420 $537,040,000 $378,197 $6,783 3.19%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1,252 $479,830,000 $383,251 $6,590 3.15%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1,355 $334,455,000 $246,830 $6,377 3.23%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1,287 $327,925,000 $254,798 $5,036 3.04%
    WORCESTER, MA-CT (FHA|USDA|VA) 990 $260,640,000 $263,273 $5,571 3.20%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 737 $225,125,000 $305,461 $7,109 3.16%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 405 $148,375,000 $366,358 $6,071 3.19%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 298 $128,530,000 $431,309 $9,031 3.17%
    Torrington, CT (FHA|USDA|VA) 352 $92,140,000 $261,761 $5,724 3.21%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 326 $69,120,000 $212,025 $3,446 3.26%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 233 $58,815,000 $252,425 $5,426 2.97%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 143 $42,905,000 $300,035 $5,445 3.10%
    Outside of Metro Areas 129 $33,795,000 $261,977 $5,258 3.34%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 97 $29,995,000 $309,227 $5,560 3.12%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 86 $23,760,000 $276,279 $6,671 3.38%
    SPRINGFIELD, MA (FHA|USDA|VA) 98 $21,450,000 $218,878 $5,852 3.21%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 82 $17,030,000 $207,683 $2,547 2.72%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 39 $15,485,000 $397,051 $6,134 3.14%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 67 $15,485,000 $231,119 $4,818 3.29%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 66 $14,610,000 $221,364 $2,643 2.87%
    PITTSFIELD, MA (FHA|USDA|VA) 41 $13,945,000 $340,122 $6,072 3.30%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 37 $9,685,000 $261,757 $3,560 2.89%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 27 $8,515,000 $315,370 $5,240 3.15%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 28 $6,700,000 $239,286 $5,936 3.15%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 30 $6,670,000 $222,333 $4,377 3.12%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 19 $6,505,000 $342,368 $6,802 3.08%
    Augusta-Waterville, ME (FHA|USDA|VA) 22 $5,960,000 $270,909 $6,172 3.21%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 30 $5,870,000 $195,667 $4,128 3.07%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 29 $5,685,000 $196,034 $4,710 3.07%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 25 $5,675,000 $227,000 $5,699 3.39%
    RACINE, WI (FHA|USDA|VA) 26 $5,290,000 $203,462 $3,425 3.23%
    Keene, NH (FHA|USDA|VA) 22 $5,280,000 $240,000 $6,086 3.36%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 24 $4,770,000 $198,750 $1,150 2.44%
    Concord, NH (FHA|USDA|VA) 16 $4,210,000 $263,125 $5,343 3.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 21 $4,055,000 $193,095 $2,523 2.77%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 10 $4,020,000 $402,000 $6,031 2.97%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $3,595,000 $513,571 $9,852 2.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $3,500,000 $218,750 $4,920 3.19%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $3,350,000 $335,000 $6,341 3.20%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $3,170,000 $528,333 $8,640 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $3,025,000 $605,000 $8,052 2.98%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 8 $3,020,000 $377,500 $5,561 2.81%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $3,010,000 $250,833 $4,619 3.38%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $2,945,000 $327,222 $7,958 3.43%
    BANGOR, ME (FHA|USDA|VA) 15 $2,805,000 $187,000 $4,842 3.35%
    Lebanon, NH-VT (FHA|USDA|VA) 11 $2,625,000 $238,636 $5,786 3.27%
    Laconia, NH (FHA|USDA|VA) 8 $2,320,000 $290,000 $4,307 3.45%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $2,235,000 $447,000 $6,302 3.40%
    KINGSTON, NY (FHA|USDA|VA) 8 $2,230,000 $278,750 $7,066 3.56%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $2,000,000 $333,333 $5,336 3.06%
    Beaver Dam, WI (FHA|USDA|VA) 11 $1,905,000 $173,182 $3,550 3.24%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,890,000 $315,000 $5,683 3.19%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 9 $1,865,000 $207,222 $8,728 3.19%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,795,000 $359,000 $4,446 3.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,670,000 $835,000 $3,800 3.50%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,625,000 $541,667 $5,000 2.96%
    GREEN BAY, WI (FHA|USDA|VA) 8 $1,580,000 $197,500 $3,562 3.39%
    PUNTA GORDA, FL (FHA|USDA|VA) 8 $1,580,000 $197,500 $3,313 3.17%
    Whitewater, WI (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,401 2.85%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,405,000 $200,714 $4,073 2.80%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,330,000 $221,667 $6,010 3.21%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,330,000 $332,500 $7,440 3.41%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $1,245,000 $249,000 $8,701 3.68%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 6 $1,240,000 $206,667 $3,628 3.19%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,220,000 $610,000 $11,484 3.50%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $1,220,000 $305,000 $6,109 3.25%
    MADISON, WI (FHA|USDA|VA) 6 $1,190,000 $198,333 $4,233 3.02%
    APPLETON, WI (FHA|USDA|VA) 6 $1,180,000 $196,667 $3,946 3.14%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,165,000 $233,000 $3,254 2.82%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,179 3.25%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,651 3.08%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,311 3.16%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,035,000 $207,000 $8,734 3.50%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 5 $1,015,000 $203,000 $5,088 3.42%
    TALLAHASSEE, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $8,331 2.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $980,000 $490,000 $9,572 3.44%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $955,000 $191,000 $2,183 2.45%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $920,000 $230,000 $6,184 3.25%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $895,000 $298,333 $4,093 3.25%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $880,000 $440,000 $3,399 2.93%
    OCALA, FL (FHA|USDA|VA) 5 $865,000 $173,000 $3,825 2.83%
    Hudson, NY (FHA|USDA|VA) 3 $855,000 $285,000 $8,274 4.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $835,000 $835,000 $5,942 2.50%
    DULUTH, MN-WI (FHA|USDA|VA) 5 $825,000 $165,000 $1,901 2.97%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $735,000 $735,000 $3,795 2.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 6 $680,000 $113,333 $2,633 3.35%
    RICHMOND, VA (FHA|USDA|VA) 3 $655,000 $218,333 $3,640 2.71%
    Thomasville, GA (FHA|USDA|VA) 2 $630,000 $315,000 $13,216 3.69%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $615,000 $205,000 $3,387 2.88%
    ROANOKE, VA (FHA|USDA|VA) 3 $615,000 $205,000 $4,481 2.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $610,000 $152,500 $2,078 2.41%
    FOND DU LAC, WI (FHA|USDA|VA) 4 $600,000 $150,000 $3,260 3.31%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $595,000 $198,333 $8,850 3.96%
    LANCASTER, PA (FHA|USDA|VA) 2 $590,000 $295,000 $5,216 2.75%
    Barre, VT (FHA|USDA|VA) 2 $580,000 $290,000 $3,746 3.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $575,000 $191,667 $3,441 3.33%
    SAVANNAH, GA (FHA|USDA|VA) 3 $565,000 $188,333 $3,758 2.58%
    VALDOSTA, GA (FHA|USDA|VA) 2 $550,000 $275,000 $4,073 3.25%
    BOULDER, CO (FHA|USDA|VA) 1 $545,000 $545,000 $5,024 3.13%
    Cookeville, TN (FHA|USDA|VA) 1 $525,000 $525,000 $4,470 3.25%
    WILMINGTON, NC (FHA|USDA|VA) 1 $515,000 $515,000 $4,899 3.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $510,000 $255,000 $8,601 3.19%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $505,000 $168,333 $6,411 3.08%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $4,689 3.44%
    PEORIA, IL (FHA|USDA|VA) 3 $495,000 $165,000 $685 2.33%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $495,000 $165,000 $4,013 3.13%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $495,000 $165,000 $4,218 2.96%
    Corning, NY (FHA|USDA|VA) 2 $490,000 $245,000 $7,647 2.93%
    Breckenridge, CO (FHA|USDA|VA) 1 $485,000 $485,000 $3,365 3.13%
    Manitowoc, WI (FHA|USDA|VA) 2 $480,000 $240,000 $4,387 4.19%
    Ottawa, IL (FHA|USDA|VA) 2 $480,000 $240,000 $7,172 2.69%
    Berlin, NH (FHA|USDA|VA) 2 $470,000 $235,000 $9,217 3.31%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $465,000 $155,000 $3,053 2.83%
    ROCKFORD, IL (FHA|USDA|VA) 2 $450,000 $225,000 $6,589 2.88%
    GLENS FALLS, NY (FHA|USDA|VA) 2 $440,000 $220,000 $4,265 3.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $430,000 $215,000 $3,475 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $415,000 $415,000 $3,813 3.13%
    ROME, GA (FHA|USDA|VA) 2 $400,000 $200,000 $6,695 3.06%
    BURLINGTON, NC (FHA|USDA|VA) 2 $400,000 $200,000 $3,739 2.94%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $395,000 $395,000 $4,391 3.38%
    Durango, CO (FHA|USDA|VA) 1 $395,000 $395,000 $3,166 2.25%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $390,000 $195,000 $690 2.69%
    Bennington, VT (FHA|USDA|VA) 2 $390,000 $195,000 $4,103 3.19%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $390,000 $195,000 $3,679 3.50%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $2,667 2.99%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $385,000 $385,000 $6,220 3.38%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $380,000 $190,000 $5,089 3.37%
    KANKAKEE, IL (FHA|USDA|VA) 2 $370,000 $185,000 $3,442 3.44%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $360,000 $180,000 $3,263 2.81%
    Grand Rapids, MN (FHA|USDA|VA) 1 $355,000 $355,000 $17,216 2.88%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $335,000 $335,000 $3,588 3.63%
    ROCHESTER, NY (FHA|USDA|VA) 2 $330,000 $165,000 $3,928 2.69%
    COLUMBUS, OH (FHA|USDA|VA) 1 $325,000 $325,000 $6,261 2.50%
    READING, PA (FHA|USDA|VA) 2 $320,000 $160,000 $8,082 3.38%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $320,000 $160,000 $2,705 2.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $320,000 $160,000 $3,754 3.75%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $315,000 $315,000 $4,239 2.99%
    DOVER, DE (FHA|USDA|VA) 1 $315,000 $315,000 $3,888 2.88%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,022 3.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $310,000 $155,000 $646 2.63%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $295,000 $295,000 $14,763 4.75%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $290,000 $145,000 $3,144 3.31%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $11,922 3.50%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $260,000 $130,000 $6,641 3.94%
    Brevard, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,290 3.50%
    UTICA-ROME, NY (FHA|USDA|VA) 2 $250,000 $125,000 $8,011 3.56%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $6,411 3.75%
    Sayre, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,432 3.50%
    Bay City, TX (FHA|USDA|VA) 1 $235,000 $235,000 $10,130 4.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $230,000 $115,000 $3,305 3.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $12,294 4.75%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $225,000 $225,000 $4,130 3.75%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,713 3.25%
    HINESVILLE, GA (FHA|USDA|VA) 1 $215,000 $215,000 $13,578 4.50%
    Clewiston, FL (FHA|USDA|VA) 1 $215,000 $215,000 $9,888 3.63%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,639 3.38%
    Rutland, VT (FHA|USDA|VA) 1 $205,000 $205,000 $4,564 3.25%
    ALTOONA, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,266 3.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,421 2.99%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $7,723 3.50%
    ERIE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $11,899 4.50%
    New Ulm, MN (FHA|USDA|VA) 1 $185,000 $185,000 $650 3.13%
    Batavia, NY (FHA|USDA|VA) 1 $175,000 $175,000 $6,837 3.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,347 3.25%
    LUBBOCK, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,526 3.13%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $170,000 $85,000 $4,447 3.81%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $3,743 2.99%
    Platteville, WI (FHA|USDA|VA) 1 $165,000 $165,000 $7,522 3.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,299 3.13%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $1,802 2.13%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $165,000 $165,000 $6,385 3.75%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $650 3.38%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $155,000 $155,000 $5,596 3.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,093 3.38%
    OWENSBORO, KY (FHA|USDA|VA) 1 $145,000 $145,000 $4,253 2.38%
    Eufaula, AL-GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,167 3.25%
    Sterling, IL (FHA|USDA|VA) 1 $145,000 $145,000 $6,260 2.88%
    ROCHESTER, MN (FHA|USDA|VA) 1 $145,000 $145,000 $842 2.25%
    Auburn, NY (FHA|USDA|VA) 1 $135,000 $135,000 $5,439 3.13%
    Seneca, SC (FHA|USDA|VA) 1 $135,000 $135,000 $6,579 3.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,147 2.00%
    Hutchinson, MN (FHA|USDA|VA) 1 $135,000 $135,000 $842 2.74%
    Olean, NY (FHA|USDA|VA) 1 $135,000 $135,000 $4,061 3.88%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $135,000 $135,000 $1,298 2.25%
    FLORENCE, SC (FHA|USDA|VA) 1 $125,000 $125,000 $5,070 3.50%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,098 3.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.38%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $115,000 $115,000 $6,743 4.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $115,000 $115,000 $562 3.00%
    Arcadia, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,055 2.88%
    DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,032 3.25%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $105,000 $105,000 $3,264 2.75%
    Oneonta, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,694 2.88%
    Jacksonville, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,724 3.38%
    MUSKEGON, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,020 4.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,618 3.38%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,191 3.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $85,000 $85,000 $6,137 4.50%
    SYRACUSE, NY (FHA|USDA|VA) 1 $55,000 $55,000 $4,470 3.38%
    Portsmouth, OH (FHA|USDA|VA) 1 $55,000 $55,000 $4,211 4.75%
    Total Mortgage Services's top markets include Bridgeport, Boston, New Haven, Hartford, and Worcester among others.

    Their top states include:
  • Connecticut (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 8,378 $2,499,920,000 $298,391 $4,844 3.14%
    FHA 1,685 $506,745,000 $300,739 $11,114 3.27%
    VA 230 $79,720,000 $346,609 $9,228 3.04%
    USDA 44 $10,800,000 $245,455 $7,665 3.07%
    FHA 2 $330,000 $165,000 $0 2.42%

    For 2021, Total Mortgage Services's most frequently originated type of loan was Conventional, with 8,378 originations. Their 2nd most popular type was FHA, with 1,685 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,489 $1,996,495,000 $307,674 $6,617 3.23%
    Refi 2,170 $627,720,000 $289,272 $4,571 2.93%
    Cash Out Refi 1,633 $460,755,000 $282,152 $5,339 3.19%
    Home Improvement 44 $12,070,000 $274,318 $4,631 3.11%
    Other 3 $475,000 $158,333 $2,813 3.00%

    For 2021, Total Mortgage Services's most frequently cited loan purpose was Home Purchase, with 6,489 originations. The 2nd most popular reason was Refi, with 2,170 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,804 $2,765,810,000 $314,154 $6,419 3.25%
    15 Year 1,004 $205,830,000 $205,010 $3,392 2.50%
    20 Year 351 $88,635,000 $252,521 $3,637 2.95%
    Other 102 $26,930,000 $264,020 $4,104 3.00%
    10 Year 78 $10,310,000 $132,179 $2,162 2.59%

    For 2021, Total Mortgage Services's most frequently cited loan duration was 30 Year, with 8,804 originations. The 2nd most popular length was 15 Year, with 1,004 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,636 $1,743,540,000 $309,358
    $2k-3k 1,162 $309,860,000 $266,661
    $5k+ 1,152 $465,690,000 $404,245
    $3k-4k 909 $254,555,000 $280,039
    $<1k 839 $133,355,000 $158,945
    $4k-5k 626 $188,250,000 $300,719

    Total Mortgage Services's average total fees were $6,419, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,636 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,498 $1,678,960,000 $305,377
    2.5-3% 3,352 $1,074,660,000 $320,603
    <2.5% 949 $196,575,000 $207,139
    4-5% 485 $131,425,000 $270,979
    5-6% 39 $11,155,000 $286,026
    6-7% 10 $2,590,000 $259,000
    Over 8% 3 $875,000 $291,667
    7-8% 2 $920,000 $460,000

    During 2021, Total Mortgage Services's average interest rate for loans was 3.25%, while their most frequently originated rate bucket for loans was 3-4%, with 5,498 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,521 $1,583,015,000 $286,726 $6,220 3.22%
    $100k-200k 2,294 $361,950,000 $157,781 $4,368 3.15%
    $400k-600k 1,588 $754,860,000 $475,353 $7,552 3.19%
    $100,000 or less 471 $19,405,000 $41,200 $1,632 2.51%
    $600k-1MM 393 $279,565,000 $711,361 $9,587 3.11%
    $1MM+ 72 $98,720,000 $1,371,111 $12,183 3.08%

    2021 saw Total Mortgage Services place emphasis on $200k-400k loans with 5,521 originations, totaling $1,583,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,673 $613,215,000 $229,411 $5,905 3.13%
    $100k-150k 2,282 $749,680,000 $328,519 $6,181 3.20%
    $75k-100k 2,274 $621,870,000 $273,470 $6,176 3.18%
    $150k-250k 1,436 $570,900,000 $397,563 $5,798 3.16%
    $50k or less 1,043 $189,855,000 $182,028 $5,214 3.16%
    $250k+ 631 $351,995,000 $557,837 $6,489 3.10%

    Total Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 2,673 originations. The second most popular income band? $100k-150k, with 2,282 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,987 $605,225,000 $304,592 $4,886 3.08%
    30-36% 1,904 $556,770,000 $292,421 $5,284 3.15%
    <20% 576 $175,570,000 $304,809 $4,697 2.97%
    50-60% 551 $177,875,000 $322,822 $11,411 3.25%
    44% 495 $145,835,000 $294,616 $6,134 3.23%
    43% 444 $131,050,000 $295,158 $6,079 3.18%
    40% 429 $129,945,000 $302,902 $5,741 3.14%
    42% 427 $129,175,000 $302,518 $5,931 3.22%
    41% 423 $125,145,000 $295,851 $5,958 3.23%
    39% 399 $111,625,000 $279,762 $5,511 3.20%
    37% 386 $112,620,000 $291,762 $5,627 3.20%
    38% 370 $115,050,000 $310,946 $5,937 3.14%
    36% 350 $101,560,000 $290,171 $5,529 3.14%
    45% 328 $96,620,000 $294,573 $7,117 3.23%
    49% 310 $93,010,000 $300,032 $6,933 3.29%
    46% 292 $86,700,000 $296,918 $7,046 3.19%
    48% 278 $84,500,000 $303,957 $7,182 3.21%
    47% 275 $83,875,000 $305,000 $7,023 3.26%
    >60% 13 $3,575,000 $275,000 $5,871 4.95%

    Total Mortgage Services lent most frequently to those with DTI ratios of 20-30%, with 1,987 originations. The next most common DTI ratio? 30-36%, with 1,904 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,608 $2,265,890,000 $297,830 $5,586 3.15%
    Not provided 1,203 $365,435,000 $303,770 $6,569 3.17%
    Black 1,051 $315,855,000 $300,528 $8,138 3.23%
    Asian 303 $100,015,000 $330,083 $5,557 3.06%
    American Indian 85 $21,185,000 $249,235 $6,574 3.21%
    Asian Indian 28 $10,280,000 $367,143 $6,069 3.10%
    Other Asian 20 $7,270,000 $363,500 $7,058 3.05%
    Native Hawaiian or Islander 10 $2,660,000 $266,000 $7,131 3.43%
    Chinese 8 $2,230,000 $278,750 $5,429 2.95%
    Other Pacific Islander 7 $1,935,000 $276,429 $9,343 3.39%
    Filipino 4 $1,490,000 $372,500 $10,779 3.25%
    Korean 4 $1,140,000 $285,000 $4,103 2.59%
    4 $1,020,000 $255,000 $7,491 3.28%
    Vietnamese 3 $765,000 $255,000 $3,797 2.83%
    Not applicable 1 $345,000 $345,000 $8,386 3.00%

    Approval Rates

    Total approvals of all applications
    96.70%

    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 origination
    78.73%

    Total Mortgage Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,339 $3,097,515,000 $299,595

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,339 $3,097,515,000 $299,595

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 293 $54,845,000 $187,184 $3,821 2.80%
    40-60% 1,239 $319,405,000 $257,793 $4,023 2.91%
    60-80% 3,319 $1,063,195,000 $320,336 $5,406 3.26%
    80-100% 5,137 $1,630,995,000 $317,500 $7,154 3.25%
    Over 100% 62 $22,580,000 $364,194 $14,305 3.20%
    Under 20% 289 $6,495,000 $22,474 $316 1.91%

    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%