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, New Haven, Worcester, and Providence among others. We have data for 124 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% | 11/17/24 |
| 30 Year Conventional Purchase | 6.40% | 11/17/24 |
| 30 Year Conventional Refi | 6.66% | 11/17/24 |
| 30 Year Cash-out Refi | 6.86% | 11/17/24 |
| 30 Year FHA Purchase | 7.45% | 11/17/24 |
| 30 Year FHA Refi | 7.19% | 11/17/24 |
| 30 Year VA Purchase | 6.41% | 11/17/24 |
| 30 Year VA Refi | 6.44% | 11/17/24 |
| 30 Year USDA Purchase | 6.71% | 11/17/24 |
| 15 Year Conventional Purchase | 4.21% | 11/17/24 |
| 15 Year Conventional Refi | 6.10% | 11/17/24 |
| 15 Year Cash-out Refi | 6.10% | 11/17/24 |
| 15 Year FHA Purchase | 7.85% | 11/17/24 |
| 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
Your Estimates
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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
4,441Origination Dollar Volume (All Markets)
$1,200,895,000Top 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) | 781 | $254,975,000 | $326,472 | $6,871 | 4.37% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 504 | $179,490,000 | $356,131 | $7,113 | 4.19% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 697 | $151,725,000 | $217,683 | $5,839 | 4.45% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 586 | $133,140,000 | $227,201 | $5,495 | 4.23% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 492 | $122,530,000 | $249,045 | $6,422 | 4.24% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 194 | $75,720,000 | $390,309 | $8,722 | 4.60% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 193 | $40,915,000 | $211,995 | $3,719 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 186 | $39,820,000 | $214,086 | $5,758 | 4.46% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 105 | $37,725,000 | $359,286 | $4,906 | 4.26% |
| Torrington, CT (FHA|USDA|VA) | 136 | $33,200,000 | $244,118 | $6,482 | 4.35% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 37 | $9,145,000 | $247,162 | $4,513 | 4.15% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 35 | $7,555,000 | $215,857 | $5,409 | 4.19% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $6,460,000 | $230,714 | $6,231 | 4.83% |
| Outside of Metro Areas | 33 | $6,185,000 | $187,424 | $5,341 | 4.41% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $6,025,000 | $223,148 | $10,582 | 4.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 29 | $5,865,000 | $202,241 | $5,673 | 4.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 27 | $5,685,000 | $210,556 | $6,652 | 4.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 21 | $5,045,000 | $240,238 | $5,871 | 4.20% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 27 | $4,255,000 | $157,593 | $5,814 | 3.96% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 11 | $4,225,000 | $384,091 | $6,416 | 4.11% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $3,805,000 | $1,268,333 | $19,985 | 5.08% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,685,000 | $409,444 | $8,659 | 4.30% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $3,570,000 | $357,000 | $7,788 | 4.26% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $3,245,000 | $190,882 | $6,332 | 4.54% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $2,515,000 | $228,636 | $8,591 | 4.62% |
| Concord, NH (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $5,627 | 3.69% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $2,210,000 | $221,000 | $9,701 | 4.69% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $5,847 | 4.78% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $6,465 | 3.95% |
| RACINE, WI (FHA|USDA|VA) | 10 | $1,840,000 | $184,000 | $3,844 | 4.16% |
| Keene, NH (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $6,452 | 4.52% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $8,360 | 4.13% |
| BANGOR, ME (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $4,481 | 4.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $9,358 | 4.60% |
| APPLETON, WI (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $6,951 | 4.95% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $5,183 | 4.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $4,170 | 4.34% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $7,305 | 4.31% |
| Beaver Dam, WI (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,312 | 4.53% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $6,093 | 4.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $3,661 | 4.25% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,227 | 4.08% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $6,962 | 5.30% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,931 | 4.29% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $9,390 | 5.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $11,627 | 4.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $3,754 | 4.58% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $31,912 | 6.69% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $17,491 | 5.99% |
| MADISON, WI (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $2,669 | 4.68% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,341 | 3.79% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,242 | 3.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $9,257 | 3.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,652 | 5.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,772 | 4.63% |
| WACO, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,865 | 5.13% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,948 | 4.69% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,013 | 4.29% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $9,933 | 4.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,759 | 3.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,456 | 4.71% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $11,434 | 5.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $11,086 | 3.88% |
| READING, PA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $12,445 | 3.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,754 | 5.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,465 | 3.69% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,188 | 3.88% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $3,976 | 4.84% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,867 | 3.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,307 | 5.19% |
| Bennington, VT (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,428 | 4.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,910 | 4.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,479 | 4.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,430 | 3.75% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,441 | 3.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,303 | 5.00% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,233 | 5.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,577 | 4.06% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,916 | 3.63% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,951 | 5.13% |
| OCALA, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,371 | 5.06% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,889 | 3.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,896 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,209 | 4.38% |
| Beeville, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,535 | 4.50% |
| Effingham, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,254 | 4.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,282 | 5.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,040 | 4.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,377 | 4.56% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,746 | 5.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,745 | 8.37% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,532 | 5.44% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,170 | 5.44% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,165 | 4.50% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,800 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,970 | 4.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,061 | 3.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,176 | 4.38% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,491 | 4.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,483 | 4.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,667 | 3.25% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,224 | 5.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,019 | 4.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,913 | 3.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,734 | 3.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,663 | 3.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,568 | 5.63% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,312 | 5.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,101 | 5.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,358 | 5.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,969 | 4.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,782 | 5.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,147 | 5.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,415 | 5.25% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,287 | 4.88% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,199 | 5.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,523 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,441 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,306 | 4.63% |
| Freeport, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,171 | 5.13% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,350 | 4.75% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,795 | 5.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,470 | 5.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,542 | 5.50% |
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Product Mix
For 2019, Total Mortgage Services's most frequently originated type of loan was Conventional, with 3,042 originations. Their 2nd most popular type was FHA, with 1,237 originations.
Loan Reason
For 2019, Total Mortgage Services's most frequently cited loan purpose was Home Purchase, with 3,230 originations. The 2nd most popular reason was Cash Out Refi, with 741 originations.
Loan Duration/Length
For 2019, Total Mortgage Services's most frequently cited loan duration was 30 Year, with 4,066 originations. The 2nd most popular length was 15 Year, with 239 originations.
Origination Fees/Closing Costs
Total Mortgage Services's average total fees were $6,466, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,597 originations.
Interest Rates
During 2019, Total Mortgage Services's average interest rate for loans was 4.43%, while their most frequently originated rate bucket for loans was 4-5%, with 2,105 originations.
Loan Sizing
2019 saw Total Mortgage Services place emphasis on $200k-400k loans with 2,375 originations, totaling $663,695,000 in origination value.
Applicant Income
Total Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 1,261 originations. The second most popular income band? $100k-150k, with 955 originations.
Applicant Debt to Income Ratio
Total Mortgage Services lent most frequently to those with DTI ratios of 30-36%, with 713 originations. The next most common DTI ratio? 20-30%, with 587 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.23%
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 origination75.37%
Total Mortgage Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,441 | $1,200,895,000 | $270,411 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 4,441 | $1,200,895,000 | $270,411 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |