Total Mortgage Services Rates, Fees & Info
MILFORD, CTLEI: 549300VJQJVZKJBDWS17
Tax ID: 06-1484285
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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. Their top markets include Bridgeport, Boston, New Haven, Hartford, and Worcester among others. Total Mortgage Services has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Total Mortgage Services is typically a high fee lendor.Originations
10,339Origination Dollar Volume (All Markets)
$3,097,515,000Awards
TOTAL MORTGAGE SERVICES - 2021
TOTAL MORTGAGE SERVICES is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Total Mortgage Services 's average 30 year fixed rate mortgage of loans were
3.25%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.1%.
Relative Fees
Total Mortgage Services 's average total fees for a 30 year fixed rate
mortgage are $6,419.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| 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.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 8,378 | $2,499,920,000 | $298,391 | $4,844 | 3.14% |
| FHA | 1,687 | $507,075,000 | $300,578 | $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% |
For the 2021 period, Total Mortgage Services 's most frequently originated loan type of loans were Conventional, with 8,378 originations. Their 2nd most popular type is FHA, with 1,687 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021, Total Mortgage Services 's most frequently cited loan purpose of loans were Home Purchase, with 6,489 originations. The 2nd most popular reason of loans were 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 the 2021, Total Mortgage Services 's most frequently cited loan length of loans were 30 Year, with 8,804 originations. The 2nd most popular length of loans were 15 Year, with 1,004 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 5,636 | $1,743,540,000 | $309,358 |
| $3k-4k | 1,535 | $442,805,000 | $288,472 |
| $2k-3k | 1,162 | $309,860,000 | $266,661 |
| $5k+ | 1,152 | $465,690,000 | $404,245 |
| $<1k | 839 | $133,355,000 | $158,945 |
$6,419 of loans were Total Mortgage Services 's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.25%, while their most frequently originated rate bucket of loans were 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 | 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 applications96.10%
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 origination77.84%
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% |
