# TOTAL QUALITY FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/total-quality-financial


> **📋 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 QUALITY FINANCIAL, INC. is a independent mortgage company, headquartered in Tustin, CA, serving borrowers across 20 states, with 163 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900WEQ8ITQNQ9AQ74
- **Headquarters:** Tustin, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AZ, CA, CO, CT, FL, GA, ID, IN, MI, MN, MO, NC, OH, OK, OR, SC, TN, TX, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.783%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,514
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 163
- **Dollar Volume:** $46 million
- **Applications Received:** 357
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $280,276
- **Average Borrower Income:** $223,472
- **Average Property Value:** $383,466

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 147 | +0.888% | $3,276 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 106 loans, Score: 34/100 (Acceptable)
- Refinance: 41 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 118 | $35M | +0.935% | Acceptable 🙂 |
| Refinance | 36/100 | 45 | $11M | +0.370% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 43 | 0.05% | 57/100 |
| FL | 18 | 0.01% | 44/100 |
| TX | 16 | 0.00% | 42/100 |
| NC | 13 | 0.01% | 43/100 |
| OH | 12 | 0.01% | 43/100 |
| CA | 11 | 0.00% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Indianapolis | IN | 39 | 61/100 |
| Non |  | 22 | 35/100 |

## Frequently Asked Questions

### What loan types does TOTAL QUALITY FINANCIAL, INC. offer?

TOTAL QUALITY FINANCIAL, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TOTAL QUALITY FINANCIAL, INC. offer mortgages?

TOTAL QUALITY FINANCIAL, INC. offers mortgages in 20 states: AL, AZ, CA, CO, CT, FL, GA, ID, IN, MI, MN, MO, NC, OH, OK, OR, SC, TN, TX, VA.

### How competitive are TOTAL QUALITY FINANCIAL, INC.'s mortgage rates?

TOTAL QUALITY FINANCIAL, INC. has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.783% above market average.

### What type of lender is TOTAL QUALITY FINANCIAL, INC.?

TOTAL QUALITY FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Tustin, CA.

### What is TOTAL QUALITY FINANCIAL, INC.'s loan approval success rate?

TOTAL QUALITY FINANCIAL, INC. has a pull-through score of 24/100 (Acceptable). 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-quality-financial

### How to Cite

> "TOTAL QUALITY FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/total-quality-financial

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