What loan types does Total Quality Financial offer?

Total Quality Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Total Quality Financial offer mortgages?

Total Quality Financial 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's mortgage rates?

Total Quality Financial has an overall pricing score of 24.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Total Quality Financial?

Total Quality Financial is a Independent Mortgage Company headquartered in Tustin, CA.

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Total Quality Financial

Independent Mortgage Company•Tustin, CAHQ•Direct•Reviews near you on Google

Total Quality Financial has 163 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 78 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Total Quality Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+78.3 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

147 loans · 0.89% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

118 loans · 0.94% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

45 loans · 0.37% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	147	90.2%	+0.888%Above	$3,276Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume147

Mix90.2%

Spread

+0.888%Above

Fees

$3,276Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	118	72.4%	+0.935%Above	$3,813Fees
Refinance	Acceptable	Acceptable	—	Acceptable	45	27.6%	+0.370%Above	$1,027Credit

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume118

Mix72.4%

Spread

+0.935%Above

Fees

$3,813Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume45

Mix27.6%

Spread

+0.370%Above

Fees

$1,027Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

357

Volume

$45 million

Pricing & Closing

Avg Rate Spread

+0.783%

vs. market APOR

Avg Net Fees

$2,514

Origination − Credits

Pullthrough Rate

45.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$280,276

Avg Borrower Income

$223,472

Avg Property Value

$383,466

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

20Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast1

Midwest5

INMIMNMOOH

South9

ALFLGANCOKSCTNTXVA

West5

AZCACOIDOR

Top Metro Areas by Place Specialization Score

Indianapolis, INMetro

Volume 39Mix 23.93% of portfolio

61/100

Strong

Top States by Place Specialization Score

IndianaState

Volume 43Mix 26.38% of portfolio

57/100

Sound

FloridaState

Volume 18Mix 11.04% of portfolio

44/100

Sound

North CarolinaState

Volume 13Mix 7.98% of portfolio

43/100

Sound

OhioState

Volume 12Mix 7.36% of portfolio

43/100

Sound

TexasState

Volume 16Mix 9.82% of portfolio

42/100

Sound

CaliforniaState

Volume 11Mix 6.75% of portfolio

40/100

Sound

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.