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TOTAL MORTGAGE SERVICES, LLC
Independent Mortgage Company|MILFORD, CT|Near-National
Loans Originated
4,681
Applications
6,166
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.517%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,764
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.9%
Percentage of applications that result in closed loans
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
Report Card
TOTAL MORTGAGE SERVICES, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 35 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$376,043
Average Borrower Income
$145,231
Average Property Value
$467,158
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 3,296 | 70.4% | +0.468% | $3,556 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,085 | 23.2% | +0.841% | $4,662 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 195 | 4.2% | -0.015% | $3,954 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 76 | 1.6% | +0.167% | $2,428 |
USDA Loans | Strong | Strong | N/A | Strong | 29 | 0.6% | +0.159% | $4,723 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,336 | 92.6% | +0.519% | $3,729 |
Refinance | Sound | Strong | Mediocre | Strong | 345 | 7.4% | +0.491% | $4,247 |
Geographic Coverage
Metro Areas
34
States Served
36
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTDCDEFLGAILINKSKYMAMDMEMIMTNCNENHNJNYOHOKPARISCTNTXVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Bridgeport, CTMSA
Volume: 494Mix: 10.55%
Place Specialization
Exceptional
2
Worcester, MA, MAMSA
Volume: 413Mix: 8.82%
Place Specialization
Exceptional
3
New Haven, CT, CTMSA
Volume: 394Mix: 8.42%
Place Specialization
Exceptional
4
Waterbury, CTMSA
Volume: 380Mix: 8.12%
Place Specialization
Exceptional
5
Norwich, CTMSA
Volume: 188Mix: 4.02%
Place Specialization
Exceptional
6
Hartford, CTMSA
Volume: 702Mix: 15.00%
Place Specialization
Exceptional
7
Providence, RI-MAMSA
Volume: 256Mix: 5.47%
Place Specialization
Exceptional
8
Cambridge, MAMSA
Volume: 224Mix: 4.79%
Place Specialization
Strong
9
Boston, MA, MAMSA
Volume: 185Mix: 3.95%
Place Specialization
Strong
10
Springfield, MA, MAMSA
Volume: 88Mix: 1.88%
Place Specialization
Strong
Showing 10 of 34 metro areas
Top States by Place Specialization Score
1
CTState
Volume: 2,298Mix: 49.09%
Place Specialization
Exceptional
2
MAState
Volume: 1,064Mix: 22.73%
Place Specialization
Exceptional
3
MEState
Volume: 260Mix: 5.55%
Place Specialization
Strong
4
RIState
Volume: 156Mix: 3.33%
Place Specialization
Strong
5
NHState
Volume: 171Mix: 3.65%
Place Specialization
Strong
6
NYState
Volume: 117Mix: 2.50%
Place Specialization
Sound
7
FLState
Volume: 191Mix: 4.08%
Place Specialization
Sound
8
SCState
Volume: 52Mix: 1.11%
Place Specialization
Sound
9
NJState
Volume: 45Mix: 0.96%
Place Specialization
Sound
10
MDState
Volume: 45Mix: 0.96%
Place Specialization
Sound
Showing 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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