Total Mortgage Services
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
3,296 loans · 0.47% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,085 loans · 0.84% above market
Exceptional
Top 20% of lenders
5/5
VA
195 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Jumbo
76 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
USDA
29 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
4,336 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
Refinance
345 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 35 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,296
Mix70.4%
Spread
+0.468%Above
Fees
$3,556Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,085
Mix23.2%
Spread
+0.841%Above
Fees
$4,662Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume195
Mix4.2%
Spread
-0.015%Below
Fees
$3,954Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume76
Mix1.6%
Spread
+0.167%Above
Fees
$2,428Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
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 | 4,336 | 92.6% | +0.519%Above | $3,729Fees | ||||
Refinance | 345 | 7.4% | +0.491%Above | $4,247Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,336
Mix92.6%
Spread
+0.519%Above
Fees
$3,729Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
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
34
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest7
ILINKSMINEOHWI
South15
ALARDCDEFLGAKYMDNCOKSCTNTXVAWV
West5
AZCACOMTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 34 metro areas
Top States by Place Specialization Score
Showing 10 of 17 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.