The Mortgage Record
Lender report card · New Jersey

Total Mortgage Services, Llc

Milford, CT · What the federal mortgage record shows about how Total Mortgage Services, Llc treated New Jersey applicants, 2018–2025 — 709 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
89.3%
633 approved
Denial rate
10.7%
76 denied
Decisions
709
2018–2025
Avg. rate spread
+0.67 pp
vs. market benchmark
89.3% approved
10.7% denied

Share of 709 New Jersey applications Total Mortgage Services, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional94.3% of 523 · NJ 87%FHA73.4% of 169 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

73%79%85%91%97%86%77%90%96%86%79%92%95%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Total Mortgage Services, Llc’s rates ran +0.31 pp higher than the typical New Jersey lender (average rate spread +0.67 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Total Mortgage Services, Llc approves

By income
Under $50k75.6% · 41$50–75k84.4% · 109$75–100k85.1% · 114$100–150k89.9% · 169$150–250k95.8% · 167$250k+92.7% · 109
By debt-to-income
Under 36%93.0% · 25736–43%91.7% · 15743–50%92.1% · 203Over 50%68.7% · 83
By down payment (LTV)
20%+ down96.2% · 34610–20% down85.1% · 675–10% down87.2% · 863–5% down77.9% · 104

Why Total Mortgage Services, Llc denied applications

Other38% of denialsDebt-to-income ratio22% of denialsCollateral (value/type)16% of denialsCredit history14% of denialsInsufficient cash to close11% of denialsEmployment history8% of denials

Where Total Mortgage Services, Llc lends in NJ

CountyDecisionsApproval
Bergen County12193.4%
Essex County8182.7%
Middlesex County7087.1%
Morris County5298.1%
Passaic County4593.3%
Union County4388.4%
Ocean County4295.2%
Hudson County3594.3%

Fees & closing costs

Median total loan costs
$7,982
home purchase
As % of loan
2.61%
NJ median 1.93%
Priced originations
401
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Total Mortgage Services, Llc’s home-purchase originations — 0.68 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $610. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Total Mortgage Services, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Total Mortgage Services, Llc (LEI 549300VJQJVZKJBDWS17). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →