What loan types does Total Mortgage Services offer?

Total Mortgage Services offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Total Mortgage Services offer mortgages?

Total Mortgage Services 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's mortgage rates?

Total Mortgage Services has an overall pricing score of 19.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Total Mortgage Services?

Total Mortgage Services is a Independent Mortgage Company headquartered in MILFORD, CT.

Unclaimed

Total Mortgage Services

Independent Mortgage Company•Milford, CTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Total Mortgage Services — 4.7k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 34 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+51.7 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 35 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	3,296	70.4%	+0.468%Above	$3,556Fees
FHA Loans	Sound	Exceptional	Mediocre	Exceptional	1,085	23.2%	+0.841%Above	$4,662Fees
VA Loans	Sound	Strong	Mediocre	Exceptional	195	4.2%	-0.015%Below	$3,954Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	76	1.6%	+0.167%Above	$2,428Fees
USDA Loans	Strong	Strong	—	Strong	29	0.6%	+0.159%Above	$4,723Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,296

Mix70.4%

Spread

+0.468%Above

Fees

$3,556Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume1,085

Mix23.2%

Spread

+0.841%Above

Fees

$4,662Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Exceptional

Volume195

Mix4.2%

Spread

-0.015%Below

Fees

$3,954Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume76

Mix1.6%

Spread

+0.167%Above

Fees

$2,428Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume29

Mix0.6%

Spread

+0.159%Above

Fees

$4,723Fees

Loan Purpose Performance

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%Above	$3,729Fees
Refinance	Sound	Strong	Mediocre	Strong	345	7.4%	+0.491%Above	$4,247Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,336

Mix92.6%

Spread

+0.519%Above

Fees

$3,729Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume345

Mix7.4%

Spread

+0.491%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest7

ILINKSMINEOHWI

South15

ALARDCDEFLGAKYMDNCOKSCTNTXVAWV

West5

AZCACOMTWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0

Bridgeport, CTMetro

Volume 494Mix 10.55% of portfolio

100/100

Exceptional

2© Quintin Soloviev · CC BY 4.0

Worcester, MAMetro

Volume 413Mix 8.82% of portfolio

100/100

Exceptional

3© Roman Eugeniusz · CC BY-SA 3.0

New Haven, CTMetro

Volume 394Mix 8.42% of portfolio

100/100

Exceptional

Waterbury, CTMetro

Volume 380Mix 8.12% of portfolio

100/100

Exceptional

Norwich, CTMetro

Volume 188Mix 4.02% of portfolio

100/100

Exceptional

Hartford, CTMetro

Volume 702Mix 15.00% of portfolio

96/100

Exceptional

Providence, RI-MAMetro

Volume 256Mix 5.47% of portfolio

82/100

Exceptional

Cambridge, MAMetro

Volume 224Mix 4.79% of portfolio

75/100

Strong

Boston, MAMetro

Volume 185Mix 3.95% of portfolio

75/100

Strong

Springfield, MAMetro

Volume 88Mix 1.88% of portfolio

74/100

Strong

Showing 10 of 34 metro areas

Top States by Place Specialization Score

ConnecticutState

Volume 2,298Mix 49.09% of portfolio

100/100

Exceptional

MassachusettsState

Volume 1,064Mix 22.73% of portfolio

87/100

Exceptional

MaineState

Volume 260Mix 5.55% of portfolio

77/100

Strong

Rhode IslandState

Volume 156Mix 3.33% of portfolio

76/100

Strong

New HampshireState

Volume 171Mix 3.65% of portfolio

74/100

Strong

New YorkState

Volume 117Mix 2.50% of portfolio

60/100

Sound

FloridaState

Volume 191Mix 4.08% of portfolio

59/100

Sound

South CarolinaState

Volume 52Mix 1.11% of portfolio

53/100

Sound

New JerseyState

Volume 45Mix 0.96% of portfolio

51/100

Sound

MarylandState

Volume 45Mix 0.96% of portfolio

51/100

Sound

Showing 10 of 17 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.