# TOTAL MORTGAGE SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/total-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TOTAL MORTGAGE SERVICES, LLC is a independent mortgage company, headquartered in MILFORD, CT, serving borrowers across 36 states, with 4,681 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300VJQJVZKJBDWS17
- **Headquarters:** MILFORD, CT
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MT, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV
- **Markets (MSAs):** 35
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.517%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,764
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,681
- **Dollar Volume:** $1.8 billion
- **Applications Received:** 6,166
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $376,043
- **Average Borrower Income:** $145,231
- **Average Property Value:** $467,158

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 3,296 | +0.468% | $3,556 | Exceptional 🤩 |
| FHA | 85/100 | 1,085 | +0.841% | $4,662 | Exceptional 🤩 |
| VA | 78/100 | 195 | -0.015% | $3,954 | Strong 😀 |
| Jumbo | 77/100 | 76 | +0.167% | $2,428 | Strong 😀 |
| USDA | 77/100 | 29 | +0.159% | $4,723 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,043 loans, Score: 85/100 (Exceptional)
- Refinance: 253 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 1,012 loans, Score: 85/100 (Exceptional)
- Refinance: 73 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 185 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 67 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 29 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 4,336 | $1.6B | +0.519% | Exceptional 🤩 |
| Refinance | 73/100 | 345 | $125M | +0.491% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 2,298 | 6.67% | 100/100 |
| MA | 1,064 | 1.76% | 87/100 |
| ME | 260 | 1.70% | 77/100 |
| FL | 191 | 0.07% | 59/100 |
| NH | 171 | 1.10% | 74/100 |
| RI | 156 | 1.45% | 76/100 |
| NY | 117 | 0.10% | 60/100 |
| PA | 52 | 0.04% | 50/100 |
| SC | 52 | 0.06% | 53/100 |
| MD | 45 | 0.06% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Hartford | CT | 702 | 96/100 |
| Bridgeport | CT | 494 | 100/100 |
| Worcester, MA | MA | 413 | 100/100 |
| Non |  | 411 | 66/100 |
| New Haven, CT | CT | 394 | 100/100 |
| Waterbury | CT | 380 | 100/100 |
| Providence | RI-MA | 256 | 82/100 |
| Cambridge | MA | 224 | 75/100 |
| Norwich | CT | 188 | 100/100 |
| Boston, MA | MA | 185 | 75/100 |
| Portland | ME | 104 | 73/100 |
| Springfield, MA | MA | 88 | 74/100 |
| New York | NY-NJ | 81 | 59/100 |
| Manchester | NH | 68 | 71/100 |
| Rockingham County | NH | 62 | 67/100 |

## Where This Lender Ranks

TOTAL MORTGAGE SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Hartford for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in Pittsfield, MA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in New Haven, CT for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Bridgeport for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Norwich for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Bangor, ME for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Bridgeport for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in New Haven, CT for VA Loans
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Maine for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Portland for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Bridgeport for VA Loans
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Worcester, MA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Waterbury for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Waterbury for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Sebastian for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Pittsfield, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Hartford for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in New Haven, CT for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Bangor, ME for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Lewiston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does TOTAL MORTGAGE SERVICES, LLC offer?

TOTAL MORTGAGE SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TOTAL MORTGAGE SERVICES, LLC offer mortgages?

TOTAL MORTGAGE SERVICES, LLC offers mortgages in 36 states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MT, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV.

### How competitive are TOTAL MORTGAGE SERVICES, LLC's mortgage rates?

TOTAL MORTGAGE SERVICES, LLC has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.517% above market average.

### What type of lender is TOTAL MORTGAGE SERVICES, LLC?

TOTAL MORTGAGE SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in MILFORD, CT.

### What is TOTAL MORTGAGE SERVICES, LLC's loan approval success rate?

TOTAL MORTGAGE SERVICES, LLC has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/total-mortgage-services

### How to Cite

> "TOTAL MORTGAGE SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/total-mortgage-services

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