Lenders › Total Mortgage Services, LLC › New York
Total Mortgage Services, LLC in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Total Mortgage Services, LLC's 2024 HMDA record for New York covers 204 applications, 133 of them originated, worth $54m.
Its denial rate in the state was 11.8%, below the New York rate of 25.4% across all lenders and compared with the lender's national rate of 7.2%.
The median rate spread on its New York originations was 0.7 percentage points (state median 0.3).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Total Mortgage Services, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.8% | 25.4% | 7.2% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.5% | 15.0% | 8.5% | 15.6% |
| Average originated loan | $409k | $446k | $310k | $329k |
| Home purchase share | 82.7% | 55.3% | 91.6% | 57.0% |
| FHA-insured share | 23.3% | 7.4% | 18.7% | 13.4% |
| VA-guaranteed share | 3.0% | 2.4% | 3.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 83% (110)Home improvement 2% (2)Refinancing 2% (3)Cash-out refinancing 10% (13)Other purpose 4% (5)
By type
Conventional 74% (98)FHA 23% (31)VA 3% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Westchester County | 41 | 28 | $14m | 9.4% |
| Dutchess County | 30 | 22 | $7.0m | 12.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Total Mortgage Services, LLC originate in New York in 2024?
133 loans totalling $54m, from 204 applications reported for properties in New York.
What is Total Mortgage Services, LLC's denial rate in New York?
11.8% of decided applications in New York were denied, against 25.4% for all lenders in the state and 7.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does Total Mortgage Services, LLC lend in most?
By originations: Westchester County (28), Dutchess County (22).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.