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We analyzed every closed loan from Total Mortgage Services — 4.7k loans across 6k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 34 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 52 basis points above market average
Explore another lender or local market
Report Card
Total Mortgage Services, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +51.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National35 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,296 | 70.4% | +0.468%Above | $3,556Fees | ||||
FHA Loans | 1,085 | 23.2% | +0.841%Above | $4,662Fees | ||||
VA Loans | 195 | 4.2% | -0.015%Below | $3,954Fees | ||||
Jumbo Loans | 76 | 1.6% | +0.167%Above | $2,428Fees | ||||
USDA Loans | — | 29 | 0.6% | +0.159%Above | $4,723Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,336 | 92.6% | +0.519%Above | $3,729Fees | ||||
Refinance | 345 | 7.4% | +0.491%Above | $4,247Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,681
Applications
6,166
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.517%
vs. market APOR
Avg Net Fees
$3,764
Origination − Credits
Pullthrough Rate
75.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$376,043
Avg Borrower Income
$145,231
Avg Property Value
$467,158
Geographic Coverage
Geographic Performance
Metro Areas
34
States Served
36
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Bridgeport, CTMSA
Volume: 494Mix: 10.55%of portfolio
Place
Exceptional2
Worcester, MA, MAMSA
Volume: 413Mix: 8.82%of portfolio
Place
Exceptional3
New Haven, CT, CTMSA
Volume: 394Mix: 8.42%of portfolio
Place
Exceptional4
Waterbury, CTMSA
Volume: 380Mix: 8.12%of portfolio
Place
Exceptional5
Norwich, CTMSA
Volume: 188Mix: 4.02%of portfolio
Place
Exceptional6
Hartford, CTMSA
Volume: 702Mix: 15.00%of portfolio
Place
Exceptional7
Providence, RI-MAMSA
Volume: 256Mix: 5.47%of portfolio
Place
Exceptional8
Cambridge, MAMSA
Volume: 224Mix: 4.79%of portfolio
Place
Strong9
Boston, MA, MAMSA
Volume: 185Mix: 3.95%of portfolio
Place
Strong10
Springfield, MA, MAMSA
Volume: 88Mix: 1.88%of portfolio
Place
StrongShowing 10 of 34 metro areas
Top States by Place Specialization Score
1
CTState
Volume: 2,298Mix: 49.09%of portfolio
Place
Exceptional2
MAState
Volume: 1,064Mix: 22.73%of portfolio
Place
Exceptional3
MEState
Volume: 260Mix: 5.55%of portfolio
Place
Strong4
RIState
Volume: 156Mix: 3.33%of portfolio
Place
Strong5
NHState
Volume: 171Mix: 3.65%of portfolio
Place
Strong6
NYState
Volume: 117Mix: 2.50%of portfolio
Place
Sound7
FLState
Volume: 191Mix: 4.08%of portfolio
Place
Sound8
SCState
Volume: 52Mix: 1.11%of portfolio
Place
Sound9
NJState
Volume: 45Mix: 0.96%of portfolio
Place
Sound10
MDState
Volume: 45Mix: 0.96%of portfolio
Place
SoundShowing 10 of 17 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.