Premia Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300ISCZS1R0CJMO47

Tax ID: 26-3780954

5 stars - out of 5 stars, based on 53 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Premia Mortgage is a small mortgage company specializing in loans. Premia Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Houston, Dallas, Detroit, Charlotte, and Chicago among others. We have data for 361 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Premia Mortgage has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Premia Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.63% 11/27/22
    30 Year Conventional Refi 6.83% 11/27/22
    30 Year Cash-out Refi 7.02% 11/27/22
    30 Year FHA Purchase 7.39% 11/27/22
    30 Year FHA Refi 7.25% 11/27/22
    30 Year VA Purchase 6.23% 11/27/22
    30 Year VA Refi 6.84% 11/27/22
    15 Year Conventional Purchase 5.72% 11/27/22
    15 Year Conventional Refi 6.20% 11/27/22
    15 Year Cash-out Refi 6.20% 11/27/22
    15 Year FHA Purchase 6.97% 11/27/22
    15 Year VA Purchase 6.00% 11/27/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    2,844

    Origination Dollar Volume (All Markets)

    $1,089,340,000
    Show all (51) awards

    Relative Rate

    Premia Mortgage's average 30 year fixed mortgage rate was 2.82%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.33%.

    Relative Fees (Closing Costs)

    Premia Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $2,297.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 153 $57,375,000 $375,000 $2,656 2.65%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 122 $48,420,000 $396,885 $3,105 2.71%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 132 $41,710,000 $315,985 $1,742 2.82%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 100 $40,090,000 $400,900 $1,372 2.73%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 87 $32,505,000 $373,621 $1,918 2.79%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 67 $31,445,000 $469,328 $1,684 2.70%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 59 $30,215,000 $512,119 $3,307 2.79%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 65 $28,425,000 $437,308 $1,743 2.64%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 51 $22,875,000 $448,529 $2,625 2.72%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 72 $22,220,000 $308,611 $1,279 2.71%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 29 $20,175,000 $695,690 $1,778 2.86%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 42 $19,740,000 $470,000 $2,273 2.71%
    HUNTSVILLE, AL (FHA|USDA|VA) 54 $19,350,000 $358,333 $3,086 2.72%
    MIDLAND, TX (FHA|USDA|VA) 52 $19,310,000 $371,346 $1,987 2.80%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 35 $18,035,000 $515,286 $3,067 2.76%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 30 $16,730,000 $557,667 $2,787 2.83%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 38 $16,360,000 $430,526 $1,691 2.84%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 35 $15,625,000 $446,429 $1,380 2.66%
    RALEIGH-CARY, NC (FHA|USDA|VA) 38 $15,480,000 $407,368 $1,867 2.88%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 44 $15,070,000 $342,500 $1,266 2.63%
    TUCSON, AZ (FHA|USDA|VA) 44 $14,720,000 $334,545 $2,667 2.58%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 40 $13,810,000 $345,250 $1,934 2.64%
    Outside of Metro Areas 53 $13,765,000 $259,717 $2,063 2.74%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 25 $13,245,000 $529,800 $991 2.80%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 38 $13,130,000 $345,526 $1,177 2.66%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 32 $12,730,000 $397,813 $2,726 2.76%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 30 $12,560,000 $418,667 $2,745 2.70%
    ANCHORAGE, AK (FHA|USDA|VA) 22 $11,170,000 $507,727 $441 2.55%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 16 $11,060,000 $691,250 $1,250 2.68%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $10,675,000 $711,667 $1,799 2.68%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 27 $9,365,000 $346,852 $2,502 2.85%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 21 $9,245,000 $440,238 $4,030 2.77%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 23 $8,245,000 $358,478 $2,816 2.77%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 21 $7,695,000 $366,429 $2,230 2.74%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 14 $7,430,000 $530,714 $5,514 2.69%
    PITTSBURGH, PA (FHA|USDA|VA) 18 $6,720,000 $373,333 $798 2.57%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $6,665,000 $444,333 $3,520 2.64%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 10 $6,660,000 $666,000 $2,677 2.84%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $6,290,000 $314,500 $883 2.62%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $6,040,000 $604,000 $3,178 2.67%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 16 $5,850,000 $365,625 $1,608 2.78%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 16 $5,720,000 $357,500 $3,374 2.69%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 17 $5,675,000 $333,824 $1,767 2.62%
    JACKSONVILLE, FL (FHA|USDA|VA) 12 $5,310,000 $442,500 $2,942 2.77%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $5,020,000 $836,667 $812 2.79%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $4,925,000 $703,571 $4,355 2.71%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $4,910,000 $409,167 $2,059 2.99%
    RICHMOND, VA (FHA|USDA|VA) 12 $4,850,000 $404,167 $2,320 3.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 14 $4,740,000 $338,571 $509 2.67%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 14 $4,710,000 $336,429 $1,944 2.70%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 11 $4,575,000 $415,909 $969 2.61%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 13 $4,515,000 $347,308 $981 2.70%
    TULSA, OK (FHA|USDA|VA) 14 $4,510,000 $322,143 $3,827 2.63%
    BILLINGS, MT (FHA|USDA|VA) 11 $4,185,000 $380,455 $2,493 2.62%
    SAVANNAH, GA (FHA|USDA|VA) 13 $4,105,000 $315,769 $2,989 2.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 8 $4,070,000 $508,750 $1,287 2.81%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $4,070,000 $508,750 $1,970 2.66%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 12 $4,050,000 $337,500 $2,132 2.80%
    Corning, NY (FHA|USDA|VA) 15 $3,965,000 $264,333 $862 2.51%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $3,735,000 $533,571 $4,114 2.43%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,720,000 $310,000 $5,052 2.76%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 8 $3,690,000 $461,250 $2,608 2.75%
    BOISE CITY, ID (FHA|USDA|VA) 8 $3,590,000 $448,750 $6,032 2.75%
    SALT LAKE CITY, UT (FHA|USDA|VA) 8 $3,510,000 $438,750 $1,907 2.89%
    COLUMBIA, SC (FHA|USDA|VA) 11 $3,505,000 $318,636 $382 2.72%
    FLINT, MI (FHA|USDA|VA) 13 $3,495,000 $268,846 $2,279 2.86%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 11 $3,485,000 $316,818 $1,212 2.74%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,420,000 $427,500 $4,260 3.09%
    BAKERSFIELD, CA (FHA|USDA|VA) 10 $3,410,000 $341,000 $2,291 2.64%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $3,345,000 $477,857 $3,448 2.87%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $3,330,000 $416,250 $3,257 2.67%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 11 $3,005,000 $273,182 $2,624 3.12%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 7 $2,945,000 $420,714 $292 2.73%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,875,000 $319,444 $2,047 2.73%
    WINSTON-SALEM, NC (FHA|USDA|VA) 9 $2,755,000 $306,111 $623 2.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 9 $2,735,000 $303,889 $2,216 2.53%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $2,715,000 $387,857 $139 2.36%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $2,705,000 $300,556 $3,311 2.73%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $2,600,000 $325,000 $1,584 2.68%
    FLORENCE, SC (FHA|USDA|VA) 9 $2,595,000 $288,333 $129 2.67%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $2,565,000 $366,429 $3,310 2.78%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 9 $2,555,000 $283,889 $1,430 3.04%
    WICHITA, KS (FHA|USDA|VA) 10 $2,520,000 $252,000 $1,411 2.80%
    VALLEJO, CA (FHA|USDA|VA) 5 $2,485,000 $497,000 $5,701 2.68%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 7 $2,455,000 $350,714 $1,683 2.78%
    Camden, AR (FHA|USDA|VA) 10 $2,360,000 $236,000 $2,286 2.59%
    COLUMBUS, OH (FHA|USDA|VA) 8 $2,310,000 $288,750 $1,845 2.67%
    BATON ROUGE, LA (FHA|USDA|VA) 6 $2,260,000 $376,667 $2,375 2.69%
    GREELEY, CO (FHA|USDA|VA) 6 $2,250,000 $375,000 $4,052 2.77%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $2,145,000 $306,429 $488 2.68%
    BOWLING GREEN, KY (FHA|USDA|VA) 6 $2,130,000 $355,000 $252 2.85%
    AMARILLO, TX (FHA|USDA|VA) 6 $2,090,000 $348,333 $680 2.71%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $2,075,000 $296,429 $1,497 2.98%
    BRUNSWICK, GA (FHA|USDA|VA) 6 $2,070,000 $345,000 $8,200 2.65%
    LAKE CHARLES, LA (FHA|USDA|VA) 6 $2,050,000 $341,667 $1,036 2.54%
    BEND, OR (FHA|USDA|VA) 4 $2,020,000 $505,000 $2,252 3.09%
    JACKSON, MS (FHA|USDA|VA) 7 $1,985,000 $283,571 $3,787 2.66%
    WILMINGTON, NC (FHA|USDA|VA) 5 $1,985,000 $397,000 $1,277 2.70%
    BOULDER, CO (FHA|USDA|VA) 4 $1,950,000 $487,500 $1,343 2.75%
    AKRON, OH (FHA|USDA|VA) 6 $1,930,000 $321,667 $498 2.81%
    SPARTANBURG, SC (FHA|USDA|VA) 5 $1,925,000 $385,000 $2,831 2.88%
    LANCASTER, PA (FHA|USDA|VA) 5 $1,885,000 $377,000 $883 2.90%
    Dickinson, ND (FHA|USDA|VA) 5 $1,865,000 $373,000 $674 2.72%
    Bartlesville, OK (FHA|USDA|VA) 8 $1,800,000 $225,000 $632 2.58%
    ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,685,000 $337,000 $2,298 2.70%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $1,650,000 $275,000 $3,984 2.73%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,650,000 $412,500 $1,096 2.90%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,640,000 $273,333 $1,358 2.79%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,570,000 $392,500 $0 2.84%
    ROCHESTER, NY (FHA|USDA|VA) 5 $1,535,000 $307,000 $765 2.87%
    PROVO-OREM, UT (FHA|USDA|VA) 3 $1,525,000 $508,333 $4,937 2.91%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $1,515,000 $303,000 $116 2.90%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,505,000 $301,000 $1,975 3.03%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,480,000 $246,667 $1,616 2.75%
    BELLINGHAM, WA (FHA|USDA|VA) 3 $1,465,000 $488,333 $1,179 2.37%
    FORT WAYNE, IN (FHA|USDA|VA) 5 $1,445,000 $289,000 $1,266 2.85%
    Heber, UT (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $0 3.13%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,430,000 $715,000 $4,566 3.00%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $1,420,000 $355,000 $3,413 2.47%
    LUBBOCK, TX (FHA|USDA|VA) 5 $1,415,000 $283,000 $3,725 2.82%
    APPLETON, WI (FHA|USDA|VA) 3 $1,405,000 $468,333 $1,073 2.71%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $1,395,000 $465,000 $58 3.08%
    RENO, NV (FHA|USDA|VA) 3 $1,345,000 $448,333 $2,045 3.00%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,800 2.78%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,320,000 $660,000 $2,985 3.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,884 2.84%
    TOLEDO, OH (FHA|USDA|VA) 4 $1,310,000 $327,500 $349 2.84%
    ELMIRA, NY (FHA|USDA|VA) 3 $1,305,000 $435,000 $922 3.17%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,214 3.19%
    LEBANON, PA (FHA|USDA|VA) 4 $1,290,000 $322,500 $19 3.16%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $1,270,000 $317,500 $799 2.72%
    ROCHESTER, MN (FHA|USDA|VA) 3 $1,265,000 $421,667 $1,833 2.38%
    ROANOKE, VA (FHA|USDA|VA) 4 $1,260,000 $315,000 $1,824 2.59%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,245,000 $415,000 $1,146 2.88%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $1,215,000 $405,000 $2,873 2.62%
    PUEBLO, CO (FHA|USDA|VA) 3 $1,185,000 $395,000 $3,892 2.58%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,960 2.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $1,150,000 $287,500 $812 2.53%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,006 2.71%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,684 3.31%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,598 2.75%
    ODESSA, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $1,036 3.12%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,398 2.88%
    Austin, MN (FHA|USDA|VA) 5 $1,095,000 $219,000 $2,606 2.38%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $1,080,000 $270,000 $1,587 2.75%
    Lewisburg, TN (FHA|USDA|VA) 4 $1,080,000 $270,000 $2,785 2.84%
    PEORIA, IL (FHA|USDA|VA) 3 $1,065,000 $355,000 $610 2.87%
    JACKSON, TN (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,260 3.03%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $1,040,000 $520,000 $1,908 2.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,035,000 $345,000 $2,230 2.71%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $1,020,000 $255,000 $866 2.81%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $1,015,000 $338,333 $8,305 2.67%
    NAPA, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $1,389 2.69%
    Bedford, IN (FHA|USDA|VA) 5 $995,000 $199,000 $1,023 3.20%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $985,000 $328,333 $855 2.75%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $970,000 $242,500 $3,541 2.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 3 $945,000 $315,000 $1,558 2.54%
    LONGVIEW, TX (FHA|USDA|VA) 3 $925,000 $308,333 $2,165 2.58%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $920,000 $230,000 $2,171 2.09%
    SANTA FE, NM (FHA|USDA|VA) 2 $900,000 $450,000 $16,635 2.50%
    Willmar, MN (FHA|USDA|VA) 4 $900,000 $225,000 $1,420 2.69%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $895,000 $298,333 $2,713 2.42%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $890,000 $445,000 $0 2.56%
    WARNER ROBINS, GA (FHA|USDA|VA) 3 $865,000 $288,333 $1,793 3.00%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $865,000 $288,333 $2,346 2.50%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $860,000 $215,000 $224 2.69%
    VALDOSTA, GA (FHA|USDA|VA) 3 $855,000 $285,000 $388 2.42%
    Helena, MT (FHA|USDA|VA) 2 $850,000 $425,000 $2,432 3.19%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $825,000 $825,000 $4,344 3.25%
    Jackson, WY-ID (FHA|USDA|VA) 1 $825,000 $825,000 $4,490 3.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $820,000 $410,000 $2,905 2.44%
    MIDLAND, MI (FHA|USDA|VA) 3 $775,000 $258,333 $1,136 2.71%
    Scottsboro, AL (FHA|USDA|VA) 2 $770,000 $385,000 $0 2.44%
    NEW BERN, NC (FHA|USDA|VA) 2 $770,000 $385,000 $1,428 2.31%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $760,000 $380,000 $548 2.31%
    Ponca City, OK (FHA|USDA|VA) 1 $755,000 $755,000 $2,047 2.63%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $750,000 $375,000 $2 2.87%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $750,000 $375,000 $0 2.81%
    SALINAS, CA (FHA|USDA|VA) 1 $735,000 $735,000 $3,241 2.38%
    CHARLESTON, WV (FHA|USDA|VA) 3 $735,000 $245,000 $1,693 3.08%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $730,000 $365,000 $5,488 2.56%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $715,000 $715,000 $9,821 2.75%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $710,000 $355,000 $794 2.81%
    Big Rapids, MI (FHA|USDA|VA) 2 $700,000 $350,000 $250 3.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $690,000 $345,000 $115 3.00%
    Sanford, NC (FHA|USDA|VA) 2 $690,000 $345,000 $1,463 2.69%
    MUNCIE, IN (FHA|USDA|VA) 2 $690,000 $345,000 $364 2.93%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $675,000 $225,000 $3,338 2.54%
    FARGO, ND-MN (FHA|USDA|VA) 2 $660,000 $330,000 $107 2.87%
    FORT SMITH, AR-OK (FHA|USDA|VA) 2 $650,000 $325,000 $7,397 2.13%
    CORVALLIS, OR (FHA|USDA|VA) 1 $645,000 $645,000 $0 2.99%
    READING, PA (FHA|USDA|VA) 2 $630,000 $315,000 $762 2.81%
    Washington, NC (FHA|USDA|VA) 1 $625,000 $625,000 $425 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 2 $620,000 $310,000 $1,228 3.12%
    Seymour, IN (FHA|USDA|VA) 2 $620,000 $310,000 $3,048 2.44%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $615,000 $205,000 $3,812 2.66%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $600,000 $300,000 $658 2.88%
    Borger, TX (FHA|USDA|VA) 4 $590,000 $147,500 $965 2.59%
    EL PASO, TX (FHA|USDA|VA) 2 $570,000 $285,000 $817 2.19%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $570,000 $285,000 $5,522 2.63%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $570,000 $285,000 $260 2.88%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $560,000 $280,000 $3,475 2.43%
    Wilson, NC (FHA|USDA|VA) 1 $545,000 $545,000 $0 2.75%
    JOPLIN, MO (FHA|USDA|VA) 2 $540,000 $270,000 $1,517 2.56%
    LINCOLN, NE (FHA|USDA|VA) 2 $540,000 $270,000 $1,230 2.94%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $530,000 $265,000 $440 2.44%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $520,000 $260,000 $0 3.13%
    ROME, GA (FHA|USDA|VA) 2 $510,000 $255,000 $1,527 2.94%
    Aberdeen, SD (FHA|USDA|VA) 1 $505,000 $505,000 $726 2.99%
    Concord, NH (FHA|USDA|VA) 1 $505,000 $505,000 $0 2.99%
    Ellensburg, WA (FHA|USDA|VA) 1 $505,000 $505,000 $0 2.00%
    Outside of Metro Areas 1 $505,000 $505,000 $325 2.88%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $500,000 $250,000 $58 2.81%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.50%
    Picayune, MS (FHA|USDA|VA) 1 $475,000 $475,000 $2,147 3.63%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $475,000 $475,000 $3,842 3.13%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $455,000 $455,000 $0 2.13%
    Bonham, TX (FHA|USDA|VA) 1 $455,000 $455,000 $10,801 2.38%
    Red Wing, MN (FHA|USDA|VA) 2 $450,000 $225,000 $5,865 2.88%
    Statesboro, GA (FHA|USDA|VA) 1 $445,000 $445,000 $3,830 2.88%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $440,000 $220,000 $13 2.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $435,000 $435,000 $7,054 2.50%
    LAWRENCE, KS (FHA|USDA|VA) 1 $425,000 $425,000 $3,700 2.88%
    Bozeman, MT (FHA|USDA|VA) 1 $425,000 $425,000 $50 2.75%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $425,000 $425,000 $1,916 2.75%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $425,000 $425,000 $7,245 2.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $415,000 $415,000 $495 2.75%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $410,000 $205,000 $6,090 2.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $405,000 $405,000 $50 2.25%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $405,000 $405,000 $16,194 2.38%
    YAKIMA, WA (FHA|USDA|VA) 1 $405,000 $405,000 $990 3.38%
    STOCKTON, CA (FHA|USDA|VA) 1 $405,000 $405,000 $3,646 2.25%
    Torrington, CT (FHA|USDA|VA) 1 $385,000 $385,000 $25 2.75%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $385,000 $385,000 $175 2.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $380,000 $190,000 $5,967 2.62%
    Ottawa, IL (FHA|USDA|VA) 2 $380,000 $190,000 $0 2.31%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $380,000 $190,000 $1,583 3.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.38%
    Cullowhee, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,673 3.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $375,000 $375,000 $1,115 1.75%
    Urbana, OH (FHA|USDA|VA) 1 $365,000 $365,000 $162 2.63%
    Quincy, IL-MO (FHA|USDA|VA) 1 $365,000 $365,000 $7,111 2.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $365,000 $365,000 $1,725 2.99%
    Manitowoc, WI (FHA|USDA|VA) 2 $360,000 $180,000 $3,604 2.81%
    SYRACUSE, NY (FHA|USDA|VA) 1 $355,000 $355,000 $12,462 2.63%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $355,000 $355,000 $71 2.25%
    Gillette, WY (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.13%
    STAUNTON, VA (FHA|USDA|VA) 1 $345,000 $345,000 $500 2.75%
    MADERA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $580 2.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $345,000 $345,000 $94 2.00%
    Andrews, TX (FHA|USDA|VA) 1 $345,000 $345,000 $0 2.25%
    CASPER, WY (FHA|USDA|VA) 1 $345,000 $345,000 $0 2.88%
    Greeneville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $1,105 2.99%
    Safford, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $957 3.13%
    RACINE, WI (FHA|USDA|VA) 1 $345,000 $345,000 $0 2.63%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $345,000 $345,000 $4,156 2.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $335,000 $335,000 $1,524 2.25%
    WACO, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,222 2.99%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.25%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $335,000 $335,000 $8,198 2.50%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $325,000 $325,000 $75 2.13%
    AMES, IA (FHA|USDA|VA) 1 $325,000 $325,000 $75 2.38%
    TOPEKA, KS (FHA|USDA|VA) 1 $325,000 $325,000 $4 2.25%
    ROCKFORD, IL (FHA|USDA|VA) 1 $325,000 $325,000 $2,807 3.13%
    SIOUX FALLS, SD (FHA|USDA|VA) 2 $320,000 $160,000 $1,702 2.75%
    DECATUR, AL (FHA|USDA|VA) 2 $320,000 $160,000 $1,189 2.38%
    Albertville, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,716 2.99%
    Albemarle, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.99%
    Macomb, IL (FHA|USDA|VA) 1 $315,000 $315,000 $110 2.00%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $315,000 $315,000 $785 2.63%
    Dublin, GA (FHA|USDA|VA) 1 $315,000 $315,000 $4,906 2.25%
    Stillwater, OK (FHA|USDA|VA) 1 $305,000 $305,000 $1,089 2.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $592 2.88%
    Minot, ND (FHA|USDA|VA) 1 $305,000 $305,000 $210 3.00%
    YUMA, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $495 2.50%
    Sunbury, PA (FHA|USDA|VA) 1 $305,000 $305,000 $125 3.88%
    Dodge City, KS (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $295,000 $295,000 $8,345 2.63%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $295,000 $295,000 $875 3.63%
    Shawnee, OK (FHA|USDA|VA) 1 $295,000 $295,000 $7,026 2.38%
    Ontario, OR-ID (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
    Coos Bay, OR (FHA|USDA|VA) 1 $285,000 $285,000 $1,180 2.75%
    LIMA, OH (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
    TYLER, TX (FHA|USDA|VA) 1 $285,000 $285,000 $2,820 2.25%
    Sayre, PA (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.63%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.99%
    Rochelle, IL (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
    Watertown, SD (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
    MOBILE, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,175 2.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,060 2.63%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $275,000 $275,000 $80 2.75%
    Pierre, SD (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.13%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.99%
    Menomonie, WI (FHA|USDA|VA) 1 $265,000 $265,000 $6,573 3.75%
    VISALIA, CA (FHA|USDA|VA) 1 $265,000 $265,000 $435 2.00%
    Greenville, OH (FHA|USDA|VA) 1 $265,000 $265,000 $1,886 2.13%
    ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,143 2.50%
    Holland, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,660 2.75%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $3,943 2.75%
    IOWA CITY, IA (FHA|USDA|VA) 1 $265,000 $265,000 $650 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $265,000 $265,000 $1,093 3.13%
    Indiana, PA (FHA|USDA|VA) 1 $255,000 $255,000 $7,492 3.13%
    Pottsville, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,161 2.99%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $255,000 $255,000 $10,300 2.75%
    Owatonna, MN (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.88%
    Starkville, MS (FHA|USDA|VA) 1 $255,000 $255,000 $173 2.38%
    Ardmore, OK (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.63%
    Olean, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.38%
    DOTHAN, AL (FHA|USDA|VA) 1 $245,000 $245,000 $5,136 2.75%
    El Campo, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,585 2.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $2,803 3.99%
    Keene, NH (FHA|USDA|VA) 1 $245,000 $245,000 $4 2.88%
    Muskogee, OK (FHA|USDA|VA) 1 $245,000 $245,000 $621 3.75%
    Corinth, MS (FHA|USDA|VA) 1 $245,000 $245,000 $10,695 3.25%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $235,000 $235,000 $2,641 2.25%
    Roswell, NM (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.13%
    DuBois, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,413 2.99%
    DeRidder, LA (FHA|USDA|VA) 1 $235,000 $235,000 $831 3.50%
    Warsaw, IN (FHA|USDA|VA) 1 $235,000 $235,000 $50 2.75%
    Ashtabula, OH (FHA|USDA|VA) 1 $235,000 $235,000 $519 3.13%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $267 2.88%
    Alexandria, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,743 2.88%
    Mount Sterling, KY (FHA|USDA|VA) 1 $225,000 $225,000 $4,406 2.99%
    Carroll, IA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.13%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,843 2.88%
    COLUMBUS, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,690 3.38%
    Sturgis, MI (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.13%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
    HINESVILLE, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,232 1.75%
    Susanville, CA (FHA|USDA|VA) 1 $205,000 $205,000 $8,496 2.75%
    Columbus, MS (FHA|USDA|VA) 1 $205,000 $205,000 $7,246 2.25%
    North Platte, NE (FHA|USDA|VA) 1 $205,000 $205,000 $145 3.13%
    Salina, KS (FHA|USDA|VA) 1 $205,000 $205,000 $2,821 2.38%
    Huntington, IN (FHA|USDA|VA) 1 $205,000 $205,000 $5,541 2.25%
    Marshall, MO (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.75%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.38%
    Fort Polk South, LA (FHA|USDA|VA) 1 $195,000 $195,000 $2,869 3.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $195,000 $195,000 $1,875 3.13%
    GREEN BAY, WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.13%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $195,000 $195,000 $4,701 2.50%
    Duncan, OK (FHA|USDA|VA) 1 $175,000 $175,000 $139 3.25%
    Marion, IN (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.50%
    Fort Payne, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,834 2.50%
    Big Spring, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,596 2.38%
    Mitchell, SD (FHA|USDA|VA) 1 $175,000 $175,000 $827 2.88%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,559 2.00%
    JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,829 2.75%
    SALEM, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,943 2.88%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,805 2.99%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,325 2.88%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,567 3.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,449 1.75%
    Huntingdon, PA (FHA|USDA|VA) 1 $135,000 $135,000 $1,761 2.13%
    CHEYENNE, WY (FHA|USDA|VA) 1 $125,000 $125,000 $495 2.75%
    Clinton, IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,197 2.75%
    Selinsgrove, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,117 2.38%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $125,000 $125,000 $96 2.88%
    Galesburg, IL (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.00%
    Tupelo, MS (FHA|USDA|VA) 1 $105,000 $105,000 $2,945 2.50%
    LAWTON, OK (FHA|USDA|VA) 1 $105,000 $105,000 $5,899 2.63%
    New Castle, IN (FHA|USDA|VA) 1 $95,000 $95,000 $75 3.50%
    Premia Mortgage's top markets include Houston, Dallas, Detroit, Charlotte, and Chicago among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against PREMIA MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,496 $946,440,000 $379,183 $1,494 2.75%
    VA 254 $114,880,000 $452,283 $6,984 2.49%
    FHA 94 $28,020,000 $298,085 $6,849 2.78%

    For 2021, Premia Mortgage's most frequently originated type of loan was Conventional, with 2,496 originations. Their 2nd most popular type was VA, with 254 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,698 $1,043,140,000 $386,635 $2,057 2.73%
    Refi 115 $37,265,000 $324,043 $3,771 2.79%
    Cash Out Refi 31 $8,935,000 $288,226 $5,683 2.87%

    For 2021, Premia Mortgage's most frequently cited loan purpose was Home Purchase, with 2,698 originations. The 2nd most popular reason was Refi, with 115 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,417 $961,805,000 $397,933 $2,297 2.82%
    15 Year 396 $118,850,000 $300,126 $1,401 2.17%
    20 Year 17 $5,355,000 $315,000 $1,718 2.66%
    10 Year 8 $1,730,000 $216,250 $865 2.22%
    Other 6 $1,600,000 $266,667 $2,121 3.00%

    For 2021, Premia Mortgage's most frequently cited loan duration was 30 Year, with 2,417 originations. The 2nd most popular length was 15 Year, with 396 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,327 $901,995,000 $387,621
    $1k-2k 322 $112,440,000 $349,193
    $2k-3k 64 $20,610,000 $322,031
    $3k-4k 47 $15,345,000 $326,489
    $5k+ 41 $22,405,000 $546,463
    $4k-5k 31 $13,525,000 $436,290

    Premia Mortgage's average total fees were $2,297, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,327 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,439 $571,535,000 $397,175
    <2.5% 868 $318,530,000 $366,970
    3-4% 530 $196,510,000 $370,774
    4-5% 7 $2,765,000 $395,000

    During 2021, Premia Mortgage's average interest rate for loans was 2.82%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,439 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,457 $443,405,000 $304,327 $1,937 2.74%
    $400k-600k 892 $430,160,000 $482,242 $2,194 2.71%
    $100k-200k 257 $40,275,000 $156,712 $1,918 2.69%
    $600k-1MM 188 $136,920,000 $728,298 $3,836 2.81%
    $1MM+ 29 $36,845,000 $1,270,517 $3,849 2.85%
    $100,000 or less 21 $1,735,000 $82,619 $2,273 2.89%

    2021 saw Premia Mortgage place emphasis on $200k-400k loans with 1,457 originations, totaling $443,405,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,143 $397,905,000 $348,123 $2,060 2.72%
    $150k-250k 871 $387,495,000 $444,885 $2,136 2.69%
    $75k-100k 463 $134,475,000 $290,443 $2,192 2.82%
    $250k+ 220 $136,600,000 $620,909 $1,993 2.73%
    $50k-75k 121 $27,965,000 $231,116 $3,187 2.84%
    $50k or less 21 $3,405,000 $162,143 $3,695 2.99%

    Premia Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,143 originations. The second most popular income band? $150k-250k, with 871 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 877 $328,825,000 $374,943 $1,834 2.72%
    30-36% 575 $235,805,000 $410,096 $2,027 2.77%
    <20% 322 $97,100,000 $301,553 $1,540 2.65%
    39% 104 $47,170,000 $453,558 $2,334 2.79%
    36% 96 $35,270,000 $367,396 $2,247 2.72%
    40% 94 $35,900,000 $381,915 $2,073 2.81%
    42% 77 $30,785,000 $399,805 $2,710 2.76%
    44% 77 $31,645,000 $410,974 $2,438 2.74%
    41% 75 $29,625,000 $395,000 $1,561 2.74%
    38% 75 $37,025,000 $493,667 $2,083 2.77%
    43% 72 $27,570,000 $382,917 $1,937 2.71%
    37% 69 $27,005,000 $391,377 $2,303 2.73%
    50-60% 65 $26,505,000 $407,769 $6,016 2.68%
    47% 64 $23,990,000 $374,844 $3,579 2.73%
    45% 64 $24,390,000 $381,094 $2,924 2.75%
    46% 53 $19,575,000 $369,340 $3,724 2.77%
    48% 43 $15,325,000 $356,395 $2,747 2.70%
    49% 35 $13,585,000 $388,143 $3,019 2.71%
    >60% 1 $405,000 $405,000 $6,775 2.25%

    Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 877 originations. The next most common DTI ratio? 30-36%, with 575 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,819 $683,725,000 $375,880 $2,063 2.75%
    Not provided 664 $258,670,000 $389,563 $2,472 2.73%
    Asian 177 $70,335,000 $397,373 $1,420 2.55%
    Black 141 $58,485,000 $414,787 $2,978 2.79%
    Asian Indian 23 $10,695,000 $465,000 $2,059 2.59%
    American Indian 11 $4,125,000 $375,000 $2,661 2.71%
    Chinese 4 $1,440,000 $360,000 $2,856 2.65%
    Vietnamese 1 $515,000 $515,000 $0 3.25%
    Japanese 1 $475,000 $475,000 $1,408 2.75%
    Korean 1 $335,000 $335,000 $0 2.88%
    Native Hawaiian or Islander 1 $315,000 $315,000 $0 2.38%
    Filipino 1 $225,000 $225,000 $0 3.38%

    Approval Rates

    Total approvals of all applications
    87.29%

    Premia Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.71%

    Premia Mortgage has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,844 $1,089,340,000 $383,031

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,844 $1,089,340,000 $383,031

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 90 $19,660,000 $218,444 $1,201 2.44%
    40-60% 266 $84,890,000 $319,135 $1,443 2.53%
    60-80% 956 $393,410,000 $411,517 $1,654 2.74%
    80-100% 1,477 $568,295,000 $384,763 $2,227 2.79%
    Over 100% 50 $22,130,000 $442,600 $15,608 2.50%
    Under 20% 5 $955,000 $191,000 $1,036 2.48%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP VA mortgage Trouble during payment process 4 12.5%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP FHA mortgage Struggling to pay mortgage 3 9.4%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP FHA mortgage Trouble during payment process 5 15.6%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP Other type of mortgage Closing on a mortgage 2 6.3%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.1%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP VA mortgage Closing on a mortgage 1 3.1%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP VA mortgage Struggling to pay mortgage 1 3.1%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 9.4%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP Conventional home mortgage Trouble during payment process 10 31.3%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP FHA mortgage Closing on a mortgage 1 3.1%
    PARAMOUNT RESIDENTIAL MORTGAGE GROUP FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 3.1%