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 smaller mortgage company specializing in Home Purchase loans. Total Mortgage Services has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Bridgeport, New Haven, New York, Providence, and Milwaukee among others. We have data for 115 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/22/24 |
| 30 Year Conventional Purchase | 6.40% | 4/22/24 |
| 30 Year Conventional Refi | 6.66% | 4/22/24 |
| 30 Year Cash-out Refi | 6.86% | 4/22/24 |
| 30 Year FHA Purchase | 7.45% | 4/22/24 |
| 30 Year FHA Refi | 7.19% | 4/22/24 |
| 30 Year VA Purchase | 6.41% | 4/22/24 |
| 30 Year VA Refi | 6.44% | 4/22/24 |
| 30 Year USDA Purchase | 6.71% | 4/22/24 |
| 15 Year Conventional Purchase | 4.21% | 4/22/24 |
| 15 Year Conventional Refi | 6.10% | 4/22/24 |
| 15 Year Cash-out Refi | 6.10% | 4/22/24 |
| 15 Year FHA Purchase | 7.85% | 4/22/24 |
| 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 Mortgage Services Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,257Origination Dollar Volume (All Markets)
$591,915,000Awards
TOTAL MORTGAGE SERVICES - 2018
TOTAL MORTGAGE SERVICES is a 2018 , due to their low .
For 2018, 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 |
|---|---|---|---|---|---|
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 551 | $177,715,000 | $322,532 | $6,975 | 4.84% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 421 | $89,475,000 | $212,530 | $5,892 | 4.97% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 198 | $68,820,000 | $347,576 | $8,527 | 4.87% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 184 | $47,070,000 | $255,815 | $6,157 | 5.02% |
| Outside of Metro Areas | 136 | $35,520,000 | $261,176 | $6,180 | 4.54% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 132 | $25,870,000 | $195,985 | $4,315 | 4.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 127 | $25,675,000 | $202,165 | $5,968 | 4.93% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 33 | $13,535,000 | $410,152 | $8,174 | 5.12% |
| Torrington, CT (FHA|USDA|VA) | 48 | $11,570,000 | $241,042 | $6,555 | 4.90% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 31 | $7,845,000 | $253,065 | $5,799 | 4.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 36 | $6,500,000 | $180,556 | $6,046 | 5.05% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 28 | $6,250,000 | $223,214 | $7,261 | 5.03% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 26 | $5,990,000 | $230,385 | $7,989 | 5.02% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $4,530,000 | $251,667 | $8,121 | 5.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 18 | $4,100,000 | $227,778 | $5,766 | 4.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $3,255,000 | $250,385 | $5,117 | 5.08% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $3,150,000 | $262,500 | $10,480 | 4.79% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $2,900,000 | $483,333 | $7,475 | 4.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 14 | $2,860,000 | $204,286 | $6,832 | 5.17% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $2,725,000 | $181,667 | $8,491 | 5.02% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $5,140 | 4.94% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $6,985 | 5.19% |
| PITTSFIELD, MA (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $5,803 | 4.98% |
| RACINE, WI (FHA|USDA|VA) | 9 | $1,725,000 | $191,667 | $3,952 | 5.30% |
| Whitewater, WI (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $4,758 | 4.77% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $8,573 | 5.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $6,894 | 5.69% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $5,681 | 4.30% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $6,943 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $8,171 | 4.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $23,094 | 4.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $5,878 | 4.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,288 | 4.81% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $6,374 | 5.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $4,598 | 4.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,371 | 4.91% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $10,863 | 4.71% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $18,896 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,876 | 5.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $7,856 | 4.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $5,282 | 4.81% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $5,307 | 4.78% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,448 | 4.79% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,234 | 4.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,218 | 4.79% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,860 | 5.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,034 | 5.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,197 | 4.94% |
| MADISON, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,311 | 4.71% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $6,203 | 5.19% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,110 | 4.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,731 | 4.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $7,409 | 5.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,892 | 5.21% |
| GLENS FALLS, NY (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $6,186 | 4.91% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $3,685 | 4.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,091 | 4.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,038 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,527 | 4.81% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,971 | 5.38% |
| WACO, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,056 | 4.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,585 | 4.99% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,756 | 4.63% |
| FOND DU LAC, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,408 | 4.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,281 | 5.40% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,009 | 5.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,190 | 4.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,486 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,863 | 4.93% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,115 | 4.81% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,236 | 5.00% |
| Amsterdam, NY (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $5,806 | 5.04% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,643 | 5.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,570 | 4.94% |
| Rutland, VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,777 | 4.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,143 | 4.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $7,147 | 5.19% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,034 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,155 | 5.38% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,439 | 4.88% |
| Hudson, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,463 | 5.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,368 | 5.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,262 | 5.00% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,639 | 4.99% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,723 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,724 | 4.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,329 | 3.75% |
| Gloversville, NY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $7,169 | 5.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,214 | 5.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,309 | 4.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,161 | 4.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,496 | 5.00% |
| Somerset, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,150 | 4.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,915 | 5.00% |
| Malone, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,970 | 5.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,786 | 4.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,540 | 4.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,328 | 5.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,629 | 4.99% |
| MONROE, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,406 | 4.75% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,893 | 5.50% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,085 | 4.88% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,885 | 4.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,641 | 5.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,797 | 4.88% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,689 | 5.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,195 | 5.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,645 | 4.88% |
| Cullman, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,643 | 5.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,931 | 5.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,442 | 5.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,495 | 4.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,377 | 4.88% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,252 | 6.00% |
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
For 2018, Total Mortgage Services's most frequently originated type of loan was Conventional, with 1,432 originations. Their 2nd most popular type was FHA, with 749 originations.
Loan Reason
For 2018, Total Mortgage Services's most frequently cited loan purpose was Home Purchase, with 1,882 originations. The 2nd most popular reason was Cash Out Refi, with 308 originations.
Loan Duration/Length
For 2018, Total Mortgage Services's most frequently cited loan duration was 30 Year, with 2,144 originations. The 2nd most popular length was 15 Year, with 81 originations.
Origination Fees/Closing Costs
Total Mortgage Services's average total fees were $6,625, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,390 originations.
Interest Rates
During 2018, Total Mortgage Services's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 4-5%, with 1,362 originations.
Loan Sizing
2018 saw Total Mortgage Services place emphasis on $200k-400k loans with 1,108 originations, totaling $307,240,000 in origination value.
Applicant Income
Total Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 594 originations. The second most popular income band? $75k-100k, with 518 originations.
Applicant Debt to Income Ratio
Total Mortgage Services lent most frequently to those with DTI ratios of 30-36%, with 353 originations. The next most common DTI ratio? 20-30%, with 274 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.85%
Total Mortgage Services has an average approval rate.
Pick Rate
Approvals leading to origination68.19%
Total Mortgage Services 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 | 2,257 | $591,915,000 | $262,257 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,257 | $591,915,000 | $262,257 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |