Premia Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300ISCZS1R0CJMO47

Tax ID: 26-3780954

5 stars - out of 5 stars, based on 54 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Premia Mortgage is a smaller mortgage company specializing in Home Purchase 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 include Houston, Charlotte, Warren, Atlanta, and Dallas among others. They have an average approval rate for mortages when compared nationally -- and they have an average pick rate when compared to the same sample of other lendors. Premia Mortgage is typically an average fee lendor.


Originations

2,869

Origination Dollar Volume (All Markets)

$996,985,000
Show all (42) awards

Relative Rate

Premia Mortgage 's average 30 year fixed rate mortgage of loans were 2.99%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.37%.

Relative Fees

Premia Mortgage 's average total fees for a 30 year fixed rate mortgage are $4,100.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 193 $66,195,000 $342,979 $4,524 2.84%
Outside of Metro Areas 233 $61,065,000 $262,082 $3,816 3.03%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 98 $33,740,000 $344,286 $2,692 2.97%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 113 $33,095,000 $292,876 $3,165 3.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 86 $30,940,000 $359,767 $3,311 2.93%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 65 $25,315,000 $389,462 $4,677 2.85%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 48 $24,070,000 $501,458 $7,602 2.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 77 $23,405,000 $303,961 $3,448 2.84%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 48 $17,450,000 $363,542 $4,315 2.95%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 42 $16,790,000 $399,762 $4,554 2.82%
NEWARK, NJ-PA (FHA|USDA|VA) 35 $16,335,000 $466,714 $4,363 2.86%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 39 $16,025,000 $410,897 $2,745 2.77%
RALEIGH-CARY, NC (FHA|USDA|VA) 40 $15,140,000 $378,500 $4,259 2.93%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 22 $14,620,000 $664,545 $4,581 3.07%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 40 $14,350,000 $358,750 $3,431 3.07%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 40 $13,950,000 $348,750 $3,246 2.92%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 29 $13,755,000 $474,310 $4,358 2.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 36 $12,900,000 $358,333 $3,687 2.92%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 38 $12,770,000 $336,053 $1,969 2.95%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 41 $12,575,000 $306,707 $4,049 2.87%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 32 $12,290,000 $384,063 $2,965 2.87%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 32 $12,150,000 $379,688 $4,181 3.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 26 $11,610,000 $446,538 $4,267 2.79%
TUCSON, AZ (FHA|USDA|VA) 34 $10,860,000 $319,412 $4,742 2.86%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 18 $10,800,000 $600,000 $4,586 2.76%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 17 $10,325,000 $607,353 $7,099 3.19%
KANSAS CITY, MO-KS (FHA|USDA|VA) 35 $9,915,000 $283,286 $3,231 2.98%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 17 $9,675,000 $569,118 $4,506 2.93%
BOSTON, MA (FHA|USDA|VA) 16 $9,510,000 $594,375 $4,548 2.87%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 25 $8,835,000 $353,400 $4,150 2.69%
HUNTSVILLE, AL (FHA|USDA|VA) 28 $8,270,000 $295,357 $3,862 2.99%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $8,120,000 $312,308 $3,343 3.05%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 22 $7,590,000 $345,000 $3,577 2.76%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $7,395,000 $568,846 $4,841 3.00%
MIDLAND, TX (FHA|USDA|VA) 19 $7,195,000 $378,684 $3,837 3.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 20 $7,020,000 $351,000 $5,669 2.94%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 24 $6,910,000 $287,917 $2,996 3.09%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 18 $6,530,000 $362,778 $5,414 2.91%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 5 $6,255,000 $1,251,000 $6,037 3.13%
RICHMOND, VA (FHA|USDA|VA) 18 $6,230,000 $346,111 $4,607 2.92%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 17 $6,195,000 $364,412 $4,395 2.92%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 13 $6,025,000 $463,462 $5,509 2.94%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 21 $5,995,000 $285,476 $4,714 2.87%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 13 $5,895,000 $453,462 $5,577 2.87%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 15 $5,745,000 $383,000 $3,780 3.08%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 19 $5,585,000 $293,947 $1,826 2.85%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 15 $5,525,000 $368,333 $3,480 2.85%
BAKERSFIELD, CA (FHA|USDA|VA) 15 $5,455,000 $363,667 $3,097 2.78%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 18 $5,450,000 $302,778 $4,313 2.87%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $5,445,000 $363,000 $4,236 2.81%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 12 $5,300,000 $441,667 $5,974 2.92%
PHILADELPHIA, PA (FHA|USDA|VA) 10 $5,210,000 $521,000 $6,484 3.16%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $5,035,000 $335,667 $3,275 3.08%
ANCHORAGE, AK (FHA|USDA|VA) 11 $4,925,000 $447,727 $1,923 2.94%
OKLAHOMA CITY, OK (FHA|USDA|VA) 21 $4,885,000 $232,619 $2,227 3.01%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $4,620,000 $330,000 $4,108 2.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $4,540,000 $454,000 $2,572 2.86%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $4,540,000 $324,286 $2,313 2.71%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 11 $4,445,000 $404,091 $4,247 2.99%
WORCESTER, MA-CT (FHA|USDA|VA) 10 $4,340,000 $434,000 $5,415 2.71%
PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $4,260,000 $355,000 $3,484 2.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $4,150,000 $345,833 $2,239 2.90%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 10 $4,110,000 $411,000 $5,624 2.59%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 14 $4,020,000 $287,143 $3,886 2.82%
KNOXVILLE, TN (FHA|USDA|VA) 12 $3,980,000 $331,667 $2,451 3.21%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $3,955,000 $439,444 $5,201 2.83%
PITTSBURGH, PA (FHA|USDA|VA) 14 $3,890,000 $277,857 $4,652 3.06%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 10 $3,730,000 $373,000 $3,737 2.78%
ELGIN, IL (FHA|USDA|VA) 11 $3,625,000 $329,545 $5,189 2.88%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $3,605,000 $327,727 $3,178 2.89%
BATON ROUGE, LA (FHA|USDA|VA) 10 $3,560,000 $356,000 $3,174 2.84%
SAVANNAH, GA (FHA|USDA|VA) 14 $3,350,000 $239,286 $4,861 3.04%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 10 $3,240,000 $324,000 $2,664 3.02%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 8 $3,180,000 $397,500 $4,820 3.05%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $3,115,000 $445,000 $7,332 2.89%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $3,065,000 $278,636 $3,973 2.84%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,935,000 $326,111 $3,402 3.40%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $2,845,000 $258,636 $4,154 3.03%
GREELEY, CO (FHA|USDA|VA) 8 $2,820,000 $352,500 $2,361 2.97%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $2,760,000 $1,380,000 $2,782 2.81%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $2,595,000 $370,714 $4,159 2.89%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $2,590,000 $323,750 $1,505 2.75%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,555,000 $365,000 $3,375 3.53%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $2,505,000 $278,333 $3,367 2.83%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $2,325,000 $465,000 $1,510 2.83%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,280,000 $285,000 $4,842 3.08%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 8 $2,280,000 $285,000 $3,789 2.91%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $2,240,000 $373,333 $10,526 2.79%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,195,000 $439,000 $4,315 2.75%
TULSA, OK (FHA|USDA|VA) 8 $2,180,000 $272,500 $3,048 2.67%
WICHITA, KS (FHA|USDA|VA) 7 $2,115,000 $302,143 $2,388 2.84%
LANCASTER, PA (FHA|USDA|VA) 7 $2,115,000 $302,143 $4,092 3.12%
GARY, IN (FHA|USDA|VA) 8 $2,100,000 $262,500 $3,568 3.16%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $1,995,000 $399,000 $3,997 2.80%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $1,990,000 $497,500 $8,436 3.15%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,975,000 $282,143 $3,207 3.11%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,950,000 $325,000 $3,412 3.19%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 5 $1,945,000 $389,000 $7,711 3.37%
FORT WAYNE, IN (FHA|USDA|VA) 7 $1,915,000 $273,571 $1,420 3.03%
BOULDER, CO (FHA|USDA|VA) 3 $1,885,000 $628,333 $2,314 3.04%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,870,000 $233,750 $2,480 2.73%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,770,000 $442,500 $5,157 2.28%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,755,000 $351,000 $3,318 2.93%
MADISON, WI (FHA|USDA|VA) 5 $1,725,000 $345,000 $3,910 2.98%
AMARILLO, TX (FHA|USDA|VA) 6 $1,680,000 $280,000 $3,691 2.79%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,675,000 $239,286 $4,132 3.16%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $1,660,000 $276,667 $1,819 3.16%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,620,000 $405,000 $4,499 3.53%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 5 $1,605,000 $321,000 $5,176 3.05%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,305 2.93%
ANN ARBOR, MI (FHA|USDA|VA) 4 $1,590,000 $397,500 $1,367 2.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,550,000 $387,500 $5,659 3.13%
BRUNSWICK, GA (FHA|USDA|VA) 6 $1,520,000 $253,333 $3,365 3.23%
ROANOKE, VA (FHA|USDA|VA) 5 $1,495,000 $299,000 $2,746 3.15%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,648 3.37%
BILLINGS, MT (FHA|USDA|VA) 5 $1,395,000 $279,000 $5,439 2.58%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,395,000 $279,000 $7,276 3.03%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,345 2.70%
JONESBORO, AR (FHA|USDA|VA) 4 $1,360,000 $340,000 $1,169 2.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,392 2.66%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,280,000 $320,000 $5,933 2.72%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,185 3.06%
FLINT, MI (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,465 3.23%
LONGVIEW, TX (FHA|USDA|VA) 5 $1,215,000 $243,000 $2,787 3.28%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $3,850 2.56%
JACKSON, MS (FHA|USDA|VA) 5 $1,205,000 $241,000 $4,387 3.20%
BEND, OR (FHA|USDA|VA) 3 $1,185,000 $395,000 $4,932 3.42%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $1,185,000 $395,000 $2,221 2.33%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,473 3.00%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,527 3.04%
CAMDEN, NJ (FHA|USDA|VA) 5 $1,145,000 $229,000 $1,863 3.10%
LAFAYETTE, LA (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,665 2.72%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $1,105,000 $368,333 $6,581 3.04%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,020 2.48%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,837 3.54%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 5 $1,065,000 $213,000 $3,893 2.50%
TOLEDO, OH (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,994 2.54%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,945 2.75%
FLORENCE, SC (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,122 3.28%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,894 3.04%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $1,000,000 $500,000 $1,802 2.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,000,000 $250,000 $3,618 2.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $1,000,000 $500,000 $9,503 2.69%
BISMARCK, ND (FHA|USDA|VA) 3 $985,000 $328,333 $5,106 3.13%
COLUMBIA, MO (FHA|USDA|VA) 3 $985,000 $328,333 $189 2.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $975,000 $325,000 $4,685 2.54%
AKRON, OH (FHA|USDA|VA) 3 $955,000 $318,333 $3,772 2.75%
STOCKTON, CA (FHA|USDA|VA) 2 $950,000 $475,000 $2,348 2.88%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $945,000 $315,000 $2,672 2.50%
OCALA, FL (FHA|USDA|VA) 2 $940,000 $470,000 $5,149 2.81%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $905,000 $301,667 $3,080 2.54%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $895,000 $298,333 $6,642 3.00%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $890,000 $222,500 $3,666 2.88%
VALLEJO, CA (FHA|USDA|VA) 2 $890,000 $445,000 $1,049 2.69%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $885,000 $885,000 $4,199 3.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $885,000 $295,000 $2,654 3.21%
EL PASO, TX (FHA|USDA|VA) 3 $865,000 $288,333 $7,194 2.71%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $845,000 $281,667 $3,805 3.29%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $840,000 $420,000 $12,073 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $825,000 $275,000 $4,456 3.25%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $810,000 $405,000 $3,860 3.63%
ASHEVILLE, NC (FHA|USDA|VA) 3 $805,000 $268,333 $2,817 3.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $805,000 $268,333 $2,170 2.71%
MOBILE, AL (FHA|USDA|VA) 2 $800,000 $400,000 $368 1.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $790,000 $197,500 $2,107 2.31%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 2 $790,000 $395,000 $7,105 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $765,000 $255,000 $5,756 3.08%
NAPA, CA (FHA|USDA|VA) 1 $765,000 $765,000 $12,307 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $745,000 $248,333 $2,057 2.54%
ELMIRA, NY (FHA|USDA|VA) 2 $740,000 $370,000 $6,052 3.50%
JACKSON, MI (FHA|USDA|VA) 3 $735,000 $245,000 $2,182 3.41%
LAWRENCE, KS (FHA|USDA|VA) 2 $730,000 $365,000 $2,110 3.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $715,000 $238,333 $3,139 2.58%
COLUMBUS, OH (FHA|USDA|VA) 3 $685,000 $228,333 $2,703 3.29%
CHEYENNE, WY (FHA|USDA|VA) 2 $680,000 $340,000 $2,280 3.25%
MADERA, CA (FHA|USDA|VA) 2 $680,000 $340,000 $4,346 2.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $675,000 $225,000 $3,162 2.92%
LAS CRUCES, NM (FHA|USDA|VA) 3 $655,000 $218,333 $3,667 2.71%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $630,000 $315,000 $6,114 2.56%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $630,000 $315,000 $1,088 2.56%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $625,000 $208,333 $1,936 2.96%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $620,000 $310,000 $3,129 2.81%
VICTORIA, TX (FHA|USDA|VA) 2 $620,000 $310,000 $2,382 3.13%
APPLETON, WI (FHA|USDA|VA) 2 $610,000 $305,000 $6,436 3.19%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $610,000 $305,000 $1,222 3.00%
POCATELLO, ID (FHA|USDA|VA) 2 $610,000 $305,000 $2,895 3.12%
SALEM, OR (FHA|USDA|VA) 2 $610,000 $305,000 $5,668 3.25%
PROVO-OREM, UT (FHA|USDA|VA) 1 $605,000 $605,000 $23,131 3.75%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $600,000 $300,000 $2,689 2.94%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $600,000 $300,000 $2,041 3.13%
RACINE, WI (FHA|USDA|VA) 2 $600,000 $300,000 $1,463 2.69%
ROCHESTER, MN (FHA|USDA|VA) 2 $590,000 $295,000 $4,062 2.44%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $570,000 $285,000 $11,008 2.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $565,000 $565,000 $3,396 3.25%
SAN ANGELO, TX (FHA|USDA|VA) 2 $540,000 $270,000 $8,546 2.75%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 2 $540,000 $270,000 $5,537 2.69%
GREENVILLE, NC (FHA|USDA|VA) 2 $530,000 $265,000 $3,110 2.63%
MISSOULA, MT (FHA|USDA|VA) 2 $530,000 $265,000 $7,575 2.81%
GOLDSBORO, NC (FHA|USDA|VA) 2 $520,000 $260,000 $5,705 3.25%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $520,000 $260,000 $2,506 2.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $515,000 $171,667 $4,959 3.04%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $515,000 $171,667 $888 2.88%
SYRACUSE, NY (FHA|USDA|VA) 2 $490,000 $245,000 $5,283 3.12%
DUBUQUE, IA (FHA|USDA|VA) 2 $470,000 $235,000 $4,011 3.00%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $460,000 $230,000 $1,111 2.88%
JOPLIN, MO (FHA|USDA|VA) 2 $460,000 $230,000 $1,495 2.75%
ROCHESTER, NY (FHA|USDA|VA) 2 $460,000 $230,000 $6,467 3.88%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $460,000 $230,000 $2,579 2.75%
FARGO, ND-MN (FHA|USDA|VA) 2 $460,000 $230,000 $2,528 3.38%
LIMA, OH (FHA|USDA|VA) 2 $450,000 $225,000 $323 2.81%
DOVER, DE (FHA|USDA|VA) 2 $450,000 $225,000 $4,744 3.13%
GAINESVILLE, GA (FHA|USDA|VA) 1 $445,000 $445,000 $3,349 2.50%
PEORIA, IL (FHA|USDA|VA) 2 $440,000 $220,000 $1,464 2.75%
ODESSA, TX (FHA|USDA|VA) 2 $440,000 $220,000 $5,744 3.56%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $435,000 $435,000 $5,014 2.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $435,000 $435,000 $3,434 2.38%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $430,000 $215,000 $3,327 3.25%
KOKOMO, IN (FHA|USDA|VA) 1 $425,000 $425,000 $0 3.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $425,000 $425,000 $785 3.38%
CLEVELAND, TN (FHA|USDA|VA) 2 $420,000 $210,000 $2,854 2.81%
HAMMOND, LA (FHA|USDA|VA) 1 $415,000 $415,000 $2,965 3.25%
FRESNO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $2,647 4.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $410,000 $205,000 $6,012 2.75%
LUBBOCK, TX (FHA|USDA|VA) 2 $400,000 $200,000 $3,233 3.25%
GETTYSBURG, PA (FHA|USDA|VA) 1 $395,000 $395,000 $4,664 3.63%
MEDFORD, OR (FHA|USDA|VA) 1 $395,000 $395,000 $1,562 3.25%
DECATUR, AL (FHA|USDA|VA) 1 $385,000 $385,000 $3,925 3.50%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $380,000 $190,000 $1,990 2.81%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $185 2.63%
MORGANTOWN, WV (FHA|USDA|VA) 2 $370,000 $185,000 $6,326 3.00%
REDDING, CA (FHA|USDA|VA) 1 $355,000 $355,000 $12,740 2.25%
RENO, NV (FHA|USDA|VA) 1 $355,000 $355,000 $1,538 3.25%
AMES, IA (FHA|USDA|VA) 1 $345,000 $345,000 $3,279 2.25%
SPARTANBURG, SC (FHA|USDA|VA) 2 $340,000 $170,000 $3,197 3.31%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $335,000 $335,000 $3,336 2.25%
STAUNTON, VA (FHA|USDA|VA) 1 $335,000 $335,000 $3,711 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $335,000 $335,000 $6,437 3.25%
MONROE, MI (FHA|USDA|VA) 2 $330,000 $165,000 $2,278 2.31%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $325,000 $325,000 $6,101 2.13%
VISALIA, CA (FHA|USDA|VA) 1 $325,000 $325,000 $3,596 3.38%
ENID, OK (FHA|USDA|VA) 1 $325,000 $325,000 $11,327 2.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $6,232 2.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $320,000 $160,000 $1,564 3.81%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $310,000 $155,000 $3,457 2.94%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $310,000 $155,000 $6,510 3.19%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $310,000 $155,000 $3,271 3.31%
MONROE, LA (FHA|USDA|VA) 1 $305,000 $305,000 $3,329 3.75%
TYLER, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.38%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $285,000 $285,000 $6,970 2.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $285,000 $285,000 $3,178 3.25%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $275,000 $275,000 $535 2.63%
READING, PA (FHA|USDA|VA) 1 $275,000 $275,000 $6,332 2.50%
DOTHAN, AL (FHA|USDA|VA) 1 $275,000 $275,000 $5,620 2.00%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,216 2.88%
TWIN FALLS, ID (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $6,733 3.50%
LAREDO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,597 2.75%
WACO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,264 3.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $255,000 $255,000 $1,831 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 1 $245,000 $245,000 $9,733 2.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,226 3.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $5,299 2.50%
GADSDEN, AL (FHA|USDA|VA) 1 $245,000 $245,000 $5,114 3.13%
LINCOLN, NE (FHA|USDA|VA) 1 $245,000 $245,000 $2,442 2.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,293 2.50%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.88%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,888 2.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $65 2.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $195,000 $195,000 $1,617 3.63%
LOGAN, UT-ID (FHA|USDA|VA) 1 $195,000 $195,000 $2,795 3.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $195,000 $195,000 $3,726 3.63%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,135 3.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.13%
COLUMBUS, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,842 2.75%
BECKLEY, WV (FHA|USDA|VA) 1 $175,000 $175,000 $7,282 2.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $175,000 $175,000 $25 2.75%
JACKSON, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,596 3.75%
YUMA, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,346 2.38%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $165,000 $165,000 $2,861 2.99%
GAINESVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,373 3.50%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,578 3.25%
ALBANY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,823 2.88%
FARMINGTON, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,547 3.50%
ALTOONA, PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,321 3.25%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,066 3.00%

Premia Mortgage 's top markets include Houston, Charlotte, Warren, Atlanta, and Dallas among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,479 $860,235,000 $347,009 $3,339 2.92%
VA 231 $94,615,000 $409,589 $7,493 2.85%
FHA 159 $42,135,000 $265,000 $8,019 3.23%

For the 2020 period, Premia Mortgage 's most frequently originated loan type of loans were Conventional, with 2,479 originations. Their 2nd most popular type is VA, with 231 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 2,477 $872,805,000 $352,364 $3,926 2.93%
Refi 349 $111,795,000 $320,330 $3,941 2.91%
Cash Out Refi 37 $10,815,000 $292,297 $4,364 3.22%
Home Improvement 6 $1,570,000 $261,667 $4,791 3.31%

For the 2020, Premia Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,477 originations. The 2nd most popular reason of loans were Refi, with 349 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,442 $876,910,000 $359,095 $4,100 2.99%
15 Year 394 $110,750,000 $281,091 $2,989 2.52%
20 Year 18 $5,650,000 $313,889 $2,692 3.05%
10 Year 12 $2,440,000 $203,333 $2,829 2.58%
Other 3 $1,235,000 $411,667 $5,359 2.83%

For the 2020, Premia Mortgage 's most frequently cited loan length of loans were 30 Year, with 2,442 originations. The 2nd most popular length of loans were 15 Year, with 394 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,798 $640,800,000 $356,396
$1k-2k 480 $149,690,000 $311,854
$3k-4k 236 $79,990,000 $338,941
$2k-3k 199 $53,115,000 $266,910
$5k+ 147 $71,315,000 $485,136

$4,100 of loans were Premia Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,798 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,137 $400,385,000 $352,142
3-4% 992 $345,380,000 $348,165
<2.5% 684 $233,910,000 $341,974
4-5% 54 $16,610,000 $307,593
5-6% 2 $700,000 $350,000

During 2020, Premia Mortgage 's average interest rate of loans were 2.99%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,137 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,627 $486,555,000 $299,050 $3,729 2.94%
$400k-600k 724 $341,420,000 $471,575 $4,419 2.86%
$100k-200k 344 $55,070,000 $160,087 $3,034 2.94%
$600k-1MM 139 $97,195,000 $699,245 $5,985 3.03%
$100,000 or less 25 $1,965,000 $78,600 $2,950 3.32%
$1MM+ 10 $14,780,000 $1,478,000 $6,859 3.35%

2020 saw Premia Mortgage place emphasis on $200k-400k loans with 1,627 originations, totaling $486,555,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,098 $357,910,000 $325,965 $3,805 2.93%
$150k-250k 913 $373,055,000 $408,604 $4,125 2.85%
$75k-100k 487 $128,605,000 $264,076 $3,743 3.01%
$50k-75k 175 $38,205,000 $218,314 $3,929 3.04%
$250k+ 174 $95,660,000 $549,770 $4,209 2.92%
$50k or less 22 $3,550,000 $161,364 $4,743 3.06%

Premia Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,098 originations. The second most popular income band? $150k-250k, with 913 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 847 $293,475,000 $346,488 $3,602 2.88%
30-36% 604 $221,040,000 $365,960 $3,685 2.89%
<20% 340 $93,750,000 $275,735 $3,072 2.78%
50-60% 90 $32,920,000 $365,778 $7,900 3.13%
42% 89 $32,905,000 $369,719 $4,304 3.00%
37% 88 $33,950,000 $385,795 $4,454 3.01%
43% 87 $30,035,000 $345,230 $4,559 3.02%
36% 86 $31,300,000 $363,953 $3,983 2.95%
41% 81 $27,685,000 $341,790 $4,012 3.04%
44% 81 $29,305,000 $361,790 $3,932 3.13%
40% 79 $29,065,000 $367,911 $4,591 3.03%
38% 77 $26,605,000 $345,519 $3,859 3.13%
39% 68 $24,860,000 $365,588 $3,937 3.03%
48% 67 $23,515,000 $350,970 $4,549 3.05%
45% 56 $18,920,000 $337,857 $3,969 3.09%
47% 45 $16,875,000 $375,000 $4,493 2.94%
49% 43 $15,605,000 $362,907 $4,969 2.91%
46% 37 $13,205,000 $356,892 $5,343 2.91%
>60% 4 $1,970,000 $492,500 $7,749 3.06%

Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 847 originations. The next most common DTI ratio? 30-36%, with 604 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,845 $622,975,000 $337,656 $3,796 2.95%
Not provided 693 $245,565,000 $354,351 $4,180 2.88%
Asian 161 $63,745,000 $395,932 $3,532 2.82%
Black 122 $44,040,000 $360,984 $4,805 3.03%
American Indian 16 $8,310,000 $519,375 $8,844 3.00%
Asian Indian 19 $6,285,000 $330,789 $2,609 2.71%
Other Asian 4 $2,580,000 $645,000 $3,960 3.41%
Chinese 5 $1,875,000 $375,000 $2,171 2.68%
Native Hawaiian 2 $830,000 $415,000 $6,991 2.38%
Vietnamese 1 $515,000 $515,000 $500 1.88%
Korean 1 $265,000 $265,000 $705 3.25%

Approval Rates

Total approvals of all applications
86.41%

Premia Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
90.99%

Premia Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,869 $996,985,000 $347,503

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 2 $500,000 $250,000
Single Family (1-4 Units):Site-Built 2,867 $996,485,000 $347,571

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 84 $18,500,000 $220,238 $3,078 2.68%
40-60% 227 $72,005,000 $317,203 $3,215 2.70%
60-80% 1,040 $376,020,000 $361,558 $3,483 2.90%
80-100% 1,469 $511,645,000 $348,295 $4,060 3.00%
Over 100% 44 $18,300,000 $415,909 $15,892 2.90%
Under 20% 5 $515,000 $103,000 $2,339 2.65%