Purchase Originations
4,113
Ranked #118 nationally
Median Total Costs
$7,784
+16.5% vs national ($6,680)
↓ $656 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,106
Median Lender Credits
$550
Cost Rank (500+ vol.)
#428
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,873 | 6.750% | $6,167 | $1,895 |
| fha | 984 | 6.500% | $14,397 | $3,932 |
| va | 224 | 6.250% | $11,967 | $2,737 |
| usda | 32 | 6.750% | $7,358 | $2,664 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 1,880 | 6.625% | $6,386 | #1 |
| Massachusetts | 937 | 6.625% | $9,715 | #9 |
| New Hampshire | 249 | 6.625% | $5,353 | #11 |
| Maine | 217 | 6.750% | $7,686 | #15 |
| New York | 131 | 6.750% | $10,746 | #107 |
| Florida | 122 | 6.875% | $8,452 | #213 |
| Pennsylvania | 99 | 6.875% | $7,489 | #163 |
| Maryland | 86 | 6.750% | $11,465 | #102 |
| New Jersey | 83 | 6.750% | $7,155 | #117 |
| GU | 74 | 6.250% | $20,115 | #1 |
| Rhode Island | 59 | 6.500% | $12,217 | #37 |
| South Carolina | 58 | 6.812% | $9,002 | #153 |
| Virginia | 32 | 6.750% | $9,199 | — |
| North Carolina | 21 | 6.990% | $10,519 | — |
| Georgia | 10 | 6.688% | $13,195 | — |
| West Virginia | 10 | 6.688% | $9,281 | — |
| Illinois | 8 | 6.625% | $9,897 | — |
| Tennessee | 5 | 6.500% | $14,360 | — |
| Texas | 5 | 6.625% | $9,714 | — |
| Arizona | 4 | 6.250% | $12,176 | — |
| California | 4 | 6.620% | $8,838 | — |
| Kentucky | 3 | 6.750% | $13,663 | — |
| Vermont | 3 | 6.990% | $6,676 | — |
| Washington | 3 | 6.500% | $18,945 | — |
| Arkansas | 2 | 6.188% | $7,996 | — |
| Colorado | 2 | 6.062% | $10,628 | — |
| Michigan | 2 | 6.750% | $4,340 | — |
| District of Columbia | 1 | 6.750% | $11,368 | — |
| Iowa | 1 | 6.500% | $7,346 | — |
| Ohio | 1 | 7.250% | $4,892 | — |
| Oregon | 1 | 6.500% | $12,659 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,194 | 6.625% | — | 106 | −$2,590 | |
| 2 | $5,614 | 6.625% | — | 154 | −$2,170 | |
| 3 | $5,714 | 6.625% | — | 589 | −$2,070 | |
| 4 | $5,874 | 6.500% | — | 47 | −$1,910 | |
| 5 | $6,033 | 6.990% | — | 57 | −$1,751 | |
| 6 | $6,050 | 6.625% | — | 134 | −$1,734 | |
| 7 | $6,392 | 6.625% | — | 80 | −$1,392 | |
| 8 | $6,619 | 6.625% | — | 321 | −$1,165 | |
| 9 | $6,713 | 6.750% | — | 349 | −$1,071 | |
| 10 | $6,805 | 6.625% | — | 113 | −$979 | |
| 11 | $7,620 | 6.625% | — | 188 | −$164 | |
| 12 | $7,826 | 6.625% | — | 131 | +$42 | |
| 13 | $8,167 | 6.625% | — | 132 | +$383 | |
| 14 | $8,692 | 6.625% | — | 81 | +$908 | |
| 15 | $8,958 | 6.750% | — | 51 | +$1,174 | |
| 16 | $9,264 | 6.625% | — | 255 | +$1,480 | |
| 17 | $13,244 | 6.500% | — | 35 | +$5,460 | |
| 18 | $15,201 | 6.500% | — | 116 | +$7,417 | |
| 19 | $16,371 | 6.500% | — | 105 | +$8,587 | |
| 20 | $20,115 | 6.250% | — | 74 | +$12,331 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Total Mortgage Services, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,784 | $7,127 | +$657 (+9.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.