Premia Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300ISCZS1R0CJMO47

Tax ID: 26-3780954

5 stars - Updated: 7/12/24 - out of 5 stars, based on 44 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Premia Mortgage is a smaller mortgage company specializing in Home Purchase loans. Premia Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Houston, Dallas, St. Louis, Detroit, and Seattle among others. We have data for 344 markets. (Some data included below & more in-depth data is available with an active subscription.)

Premia Mortgage has an above average approval rate when compared to the average across all lenders. They have a below 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 relatively high 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 6.36% 7/12/24
30 Year Conventional Refi 6.53% 7/12/24
30 Year Cash-out Refi 6.91% 7/12/24
30 Year FHA Purchase 7.10% 7/12/24
30 Year VA Purchase 5.79% 7/12/24
15 Year Conventional Purchase 5.47% 7/12/24
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.

Premia Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Premia Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,951

Origination Dollar Volume (All Markets)

$799,735,000
Show all (39) awards

Relative Rate

Premia Mortgage's average 30 year fixed mortgage rate was 6.4%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.08%.

Relative Fees (Closing Costs)

Premia Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $3,370.

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 $9,089.

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) 156 $64,670,000 $414,551 $4,141 6.20%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 87 $40,995,000 $471,207 $4,343 6.24%
ST. LOUIS, MO-IL (FHA|USDA|VA) 84 $33,320,000 $396,667 $3,047 6.28%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 69 $23,645,000 $342,681 $1,199 6.46%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $20,755,000 $628,939 $4,197 6.40%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 43 $20,415,000 $474,767 $2,268 6.52%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 39 $20,215,000 $518,333 $5,150 6.27%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 48 $19,720,000 $410,833 $3,413 6.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 41 $17,285,000 $421,585 $2,099 6.33%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 28 $16,380,000 $585,000 $4,491 6.40%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 24 $16,120,000 $671,667 $3,606 6.72%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 30 $13,680,000 $456,000 $4,567 6.25%
Outside of Metro Areas 45 $12,935,000 $287,444 $3,180 6.43%
KANSAS CITY, MO-KS (FHA|USDA|VA) 35 $12,795,000 $365,571 $1,770 6.28%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 27 $12,225,000 $452,778 $3,223 6.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 26 $10,870,000 $418,077 $4,364 6.23%
MIDLAND, TX (FHA|USDA|VA) 24 $10,600,000 $441,667 $4,134 6.32%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 21 $10,585,000 $504,048 $4,195 6.19%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 23 $10,275,000 $446,739 $1,242 6.27%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 20 $10,030,000 $501,500 $3,597 6.48%
RALEIGH-CARY, NC (FHA|USDA|VA) 22 $9,040,000 $410,909 $2,566 6.35%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 22 $8,650,000 $393,182 $3,375 6.32%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $8,535,000 $569,000 $5,055 6.10%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 21 $8,195,000 $390,238 $1,846 6.27%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $7,870,000 $437,222 $3,865 6.38%
ANCHORAGE, AK (FHA|USDA|VA) 13 $7,455,000 $573,462 $2,368 6.09%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 19 $7,395,000 $389,211 $1,476 6.37%
OKLAHOMA CITY, OK (FHA|USDA|VA) 20 $7,310,000 $365,500 $3,495 6.44%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 17 $7,265,000 $427,353 $1,997 6.12%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $6,985,000 $465,667 $3,240 6.06%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $6,470,000 $647,000 $1,410 6.46%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $6,280,000 $448,571 $3,539 6.28%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 18 $6,190,000 $343,889 $755 6.32%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 15 $5,865,000 $391,000 $3,089 6.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $5,520,000 $552,000 $3,017 6.43%
HUNTSVILLE, AL (FHA|USDA|VA) 16 $5,520,000 $345,000 $3,062 6.24%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $5,395,000 $359,667 $1,382 6.24%
RICHMOND, VA (FHA|USDA|VA) 13 $5,335,000 $410,385 $2,948 6.27%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 13 $4,635,000 $356,538 $2,963 6.33%
PITTSBURGH, PA (FHA|USDA|VA) 12 $4,590,000 $382,500 $2,162 6.74%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $4,375,000 $486,111 $2,611 6.70%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $4,335,000 $619,286 $4,140 6.39%
COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $4,305,000 $478,333 $3,797 6.28%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $4,160,000 $416,000 $1,644 6.56%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $4,125,000 $375,000 $2,077 6.34%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $3,900,000 $487,500 $2,082 6.43%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $3,805,000 $761,000 $3,600 6.65%
KNOXVILLE, TN (FHA|USDA|VA) 9 $3,735,000 $415,000 $1,939 5.97%
BATON ROUGE, LA (FHA|USDA|VA) 9 $3,615,000 $401,667 $5,605 6.27%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $3,405,000 $378,333 $6,168 6.56%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $3,330,000 $555,000 $1,587 6.51%
TULSA, OK (FHA|USDA|VA) 8 $3,320,000 $415,000 $4,713 5.69%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,930,000 $488,333 $3,469 6.03%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $2,835,000 $405,000 $1,276 6.07%
WICHITA, KS (FHA|USDA|VA) 9 $2,815,000 $312,778 $4,543 6.29%
Bartlesville, OK (FHA|USDA|VA) 8 $2,800,000 $350,000 $1,974 5.64%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,780,000 $347,500 $3,184 5.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $2,775,000 $396,429 $2,604 6.51%
GREELEY, CO (FHA|USDA|VA) 6 $2,750,000 $458,333 $156 6.62%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $2,730,000 $455,000 $4,927 6.20%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $2,620,000 $436,667 $2,294 6.19%
ROCHESTER, NY (FHA|USDA|VA) 7 $2,535,000 $362,143 $3,950 6.05%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $2,520,000 $315,000 $3,903 6.56%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $2,510,000 $418,333 $2,285 6.73%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $2,470,000 $411,667 $4,109 6.31%
FORT WAYNE, IN (FHA|USDA|VA) 5 $2,445,000 $489,000 $3,970 5.86%
BOULDER, CO (FHA|USDA|VA) 4 $2,390,000 $597,500 $2,017 6.13%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,380,000 $297,500 $3,306 6.36%
COLUMBIA, SC (FHA|USDA|VA) 6 $2,320,000 $386,667 $2,431 5.73%
BELLINGHAM, WA (FHA|USDA|VA) 4 $2,300,000 $575,000 $2,205 6.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $2,275,000 $325,000 $5,839 5.93%
SAVANNAH, GA (FHA|USDA|VA) 6 $2,260,000 $376,667 $1,954 7.04%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $2,245,000 $449,000 $2,848 6.53%
LOUISVILLE, KY (FHA|USDA|VA) 6 $2,190,000 $365,000 $2,078 5.99%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $2,140,000 $356,667 $3,600 6.81%
ELMIRA, NY (FHA|USDA|VA) 5 $2,125,000 $425,000 $436 5.65%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $2,060,000 $343,333 $3,603 6.28%
Carlsbad-Artesia, NM (FHA|USDA|VA) 7 $2,005,000 $286,429 $4,733 6.16%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $2,005,000 $401,000 $3,335 6.35%
LEBANON, PA (FHA|USDA|VA) 5 $1,945,000 $389,000 $244 6.42%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $1,895,000 $379,000 $85 5.99%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,890,000 $315,000 $4,339 6.10%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,820,000 $455,000 $2,957 5.94%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,795,000 $359,000 $4,900 6.28%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,715,000 $571,667 $1,134 6.17%
Helena, MT (FHA|USDA|VA) 4 $1,680,000 $420,000 $5,188 6.44%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,680,000 $420,000 $1,792 6.44%
FLINT, MI (FHA|USDA|VA) 7 $1,645,000 $235,000 $1,698 6.05%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,630,000 $407,500 $3,322 6.22%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $1,555,000 $518,333 $2,115 6.18%
LAKE CHARLES, LA (FHA|USDA|VA) 5 $1,525,000 $305,000 $5,041 6.66%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $1,435,000 $478,333 $1,733 6.78%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,532 6.22%
FLORENCE, SC (FHA|USDA|VA) 4 $1,370,000 $342,500 $1 6.78%
STOCKTON, CA (FHA|USDA|VA) 3 $1,345,000 $448,333 $7,503 5.96%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,767 6.15%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $1,305,000 $261,000 $615 6.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $1,290,000 $322,500 $6,180 6.44%
Austin, MN (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,673 6.31%
LAS CRUCES, NM (FHA|USDA|VA) 3 $1,215,000 $405,000 $7,600 6.04%
TUCSON, AZ (FHA|USDA|VA) 3 $1,215,000 $405,000 $9,611 5.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $1,190,000 $297,500 $3,048 6.29%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,591 6.81%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $1,165,000 $388,333 $0 6.50%
GREENVILLE, NC (FHA|USDA|VA) 4 $1,160,000 $290,000 $1,482 6.47%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,100 6.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,140,000 $570,000 $409 6.44%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,133 6.58%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,125,000 $375,000 $1,759 6.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $1,125,000 $375,000 $0 6.54%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,589 6.46%
TYLER, TX (FHA|USDA|VA) 3 $1,065,000 $355,000 $7,620 5.83%
LUBBOCK, TX (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,942 6.16%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,045,000 $348,333 $1,037 6.58%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,025,000 $341,667 $797 6.68%
JACKSON, TN (FHA|USDA|VA) 3 $1,005,000 $335,000 $75 6.72%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $990,000 $495,000 $570 6.94%
SALEM, OR (FHA|USDA|VA) 2 $960,000 $480,000 $5,314 6.62%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $945,000 $315,000 $5,756 6.58%
Ponca City, OK (FHA|USDA|VA) 3 $935,000 $311,667 $3,111 6.43%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $900,000 $225,000 $5,909 7.25%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $895,000 $298,333 $1,982 6.06%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $890,000 $445,000 $4,012 6.75%
MONROE, MI (FHA|USDA|VA) 4 $880,000 $220,000 $2,068 6.72%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $880,000 $440,000 $1,906 7.38%
READING, PA (FHA|USDA|VA) 3 $875,000 $291,667 $3,384 6.10%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $870,000 $435,000 $8,823 5.75%
Kalispell, MT (FHA|USDA|VA) 2 $870,000 $435,000 $3,742 6.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $865,000 $288,333 $1,397 6.51%
TWIN FALLS, ID (FHA|USDA|VA) 2 $860,000 $430,000 $3,633 5.88%
Oak Harbor, WA (FHA|USDA|VA) 2 $860,000 $430,000 $4,182 6.56%
GOLDSBORO, NC (FHA|USDA|VA) 3 $855,000 $285,000 $2,560 5.93%
OCALA, FL (FHA|USDA|VA) 3 $855,000 $285,000 $8,353 6.58%
BEND, OR (FHA|USDA|VA) 2 $850,000 $425,000 $4,849 6.50%
Greenwood, SC (FHA|USDA|VA) 2 $850,000 $425,000 $3,296 5.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $850,000 $425,000 $3,892 6.00%
Los Alamos, NM (FHA|USDA|VA) 1 $845,000 $845,000 $5,651 6.25%
Corsicana, TX (FHA|USDA|VA) 1 $845,000 $845,000 $0 5.50%
DOTHAN, AL (FHA|USDA|VA) 3 $845,000 $281,667 $1,281 6.54%
ROCHESTER, MN (FHA|USDA|VA) 3 $845,000 $281,667 $6,207 6.91%
PUEBLO, CO (FHA|USDA|VA) 2 $810,000 $405,000 $6,862 5.81%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 4 $790,000 $197,500 $19 6.75%
PEORIA, IL (FHA|USDA|VA) 2 $780,000 $390,000 $38 6.81%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $780,000 $390,000 $7,993 6.37%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $780,000 $390,000 $4,807 6.44%
NILES, MI (FHA|USDA|VA) 2 $770,000 $385,000 $1,201 6.85%
MISSOULA, MT (FHA|USDA|VA) 1 $765,000 $765,000 $3,457 6.50%
TOLEDO, OH (FHA|USDA|VA) 3 $755,000 $251,667 $1,749 6.17%
WILLIAMSPORT, PA (FHA|USDA|VA) 3 $745,000 $248,333 $2,105 6.33%
Brookings, SD (FHA|USDA|VA) 2 $740,000 $370,000 $3,446 6.43%
LANCASTER, PA (FHA|USDA|VA) 2 $740,000 $370,000 $5,768 6.69%
SYRACUSE, NY (FHA|USDA|VA) 2 $740,000 $370,000 $1,952 6.56%
BRUNSWICK, GA (FHA|USDA|VA) 3 $735,000 $245,000 $3,454 6.79%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $730,000 $365,000 $2,289 6.44%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $730,000 $365,000 $4,065 6.31%
SANTA FE, NM (FHA|USDA|VA) 1 $725,000 $725,000 $0 6.28%
RACINE, WI (FHA|USDA|VA) 2 $720,000 $360,000 $2,717 6.37%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $705,000 $705,000 $60 6.13%
BURLINGTON, NC (FHA|USDA|VA) 2 $700,000 $350,000 $397 6.75%
DUBUQUE, IA (FHA|USDA|VA) 2 $700,000 $350,000 $1,540 7.26%
Stevens Point, WI (FHA|USDA|VA) 2 $700,000 $350,000 $2,623 5.56%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $700,000 $350,000 $7,221 6.50%
LAWTON, OK (FHA|USDA|VA) 2 $690,000 $345,000 $9,419 6.55%
Pella, IA (FHA|USDA|VA) 2 $680,000 $340,000 $4,825 7.00%
Sturgis, MI (FHA|USDA|VA) 2 $680,000 $340,000 $3,224 6.56%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $680,000 $340,000 $6,085 6.04%
LONGVIEW, TX (FHA|USDA|VA) 2 $670,000 $335,000 $1,066 6.06%
MIDLAND, MI (FHA|USDA|VA) 2 $670,000 $335,000 $1,803 6.16%
Corning, NY (FHA|USDA|VA) 3 $665,000 $221,667 $1,248 6.29%
DOVER, DE (FHA|USDA|VA) 2 $660,000 $330,000 $2,253 6.78%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $630,000 $315,000 $2,390 6.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $610,000 $305,000 $2,212 5.94%
Magnolia, AR (FHA|USDA|VA) 1 $605,000 $605,000 $8,833 6.13%
YUMA, AZ (FHA|USDA|VA) 1 $595,000 $595,000 $27,965 6.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $575,000 $575,000 $4,235 6.99%
Key West, FL (FHA|USDA|VA) 1 $575,000 $575,000 $3,451 6.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $575,000 $575,000 $0 7.08%
LINCOLN, NE (FHA|USDA|VA) 2 $570,000 $285,000 $1,356 6.06%
Hood River, OR (FHA|USDA|VA) 1 $555,000 $555,000 $5,324 6.13%
Clovis, NM (FHA|USDA|VA) 2 $550,000 $275,000 $10,463 6.00%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $545,000 $545,000 $8,910 5.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $545,000 $545,000 $2,042 6.38%
Quincy, IL-MO (FHA|USDA|VA) 2 $540,000 $270,000 $4,256 6.38%
MONTGOMERY, AL (FHA|USDA|VA) 2 $530,000 $265,000 $6,702 6.63%
PROVO-OREM, UT (FHA|USDA|VA) 1 $525,000 $525,000 $653 7.00%
MADERA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $8,910 7.28%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $525,000 $525,000 $17,894 6.75%
Washington, NC (FHA|USDA|VA) 1 $525,000 $525,000 $0 6.63%
Clinton, IA (FHA|USDA|VA) 2 $520,000 $260,000 $3,937 5.44%
SAN ANGELO, TX (FHA|USDA|VA) 1 $515,000 $515,000 $10,435 6.00%
SPARTANBURG, SC (FHA|USDA|VA) 2 $510,000 $255,000 $3,399 6.81%
OWENSBORO, KY (FHA|USDA|VA) 2 $510,000 $255,000 $2,117 6.91%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $505,000 $505,000 $400 7.75%
Lewisburg, TN (FHA|USDA|VA) 1 $505,000 $505,000 $75 6.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $505,000 $505,000 $10,090 7.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $505,000 $505,000 $2,840 6.13%
BILLINGS, MT (FHA|USDA|VA) 1 $505,000 $505,000 $3,830 5.38%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $500,000 $250,000 $2,347 6.41%
Rock Springs, WY (FHA|USDA|VA) 2 $500,000 $250,000 $2,922 6.00%
Sikeston, MO (FHA|USDA|VA) 1 $495,000 $495,000 $708 7.63%
Glenwood Springs, CO (FHA|USDA|VA) 1 $495,000 $495,000 $3,768 6.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $495,000 $495,000 $0 6.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $4,972 6.63%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $490,000 $245,000 $2,096 6.31%
ROCKFORD, IL (FHA|USDA|VA) 1 $485,000 $485,000 $0 5.98%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $485,000 $485,000 $13,263 6.50%
BOISE CITY, ID (FHA|USDA|VA) 1 $485,000 $485,000 $1,482 6.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $485,000 $485,000 $0 7.38%
EL PASO, TX (FHA|USDA|VA) 1 $485,000 $485,000 $0 5.88%
RENO, NV (FHA|USDA|VA) 1 $485,000 $485,000 $5,564 6.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $485,000 $485,000 $4,597 5.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $480,000 $240,000 $3,301 7.56%
Kinston, NC (FHA|USDA|VA) 2 $480,000 $240,000 $2,331 5.94%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $475,000 $475,000 $380 7.00%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $470,000 $235,000 $4,042 6.19%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $465,000 $465,000 $9,122 6.25%
Morehead City, NC (FHA|USDA|VA) 1 $465,000 $465,000 $50 6.50%
Willmar, MN (FHA|USDA|VA) 1 $465,000 $465,000 $2,999 6.38%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $455,000 $455,000 $8,370 6.25%
Ardmore, OK (FHA|USDA|VA) 1 $445,000 $445,000 $2,571 6.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $445,000 $445,000 $1,125 5.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $445,000 $445,000 $0 6.63%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $440,000 $220,000 $5,658 6.25%
Traverse City, MI (FHA|USDA|VA) 1 $435,000 $435,000 $13,943 5.50%
MADISON, WI (FHA|USDA|VA) 1 $435,000 $435,000 $1,775 6.63%
POCATELLO, ID (FHA|USDA|VA) 1 $435,000 $435,000 $1,765 6.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $425,000 $425,000 $1,159 7.10%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $425,000 $425,000 $8,560 5.50%
ASHEVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $380 6.13%
Cedartown, GA (FHA|USDA|VA) 1 $425,000 $425,000 $507 6.50%
Andrews, TX (FHA|USDA|VA) 1 $415,000 $415,000 $26,137 6.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $415,000 $415,000 $5,163 5.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $410,000 $205,000 $3,956 6.13%
Angola, IN (FHA|USDA|VA) 1 $405,000 $405,000 $1,000 6.00%
FARGO, ND-MN (FHA|USDA|VA) 1 $405,000 $405,000 $0 6.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $405,000 $405,000 $4,049 7.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $400,000 $200,000 $2,112 6.13%
LAFAYETTE, LA (FHA|USDA|VA) 2 $400,000 $200,000 $0 6.44%
Sulphur Springs, TX (FHA|USDA|VA) 1 $395,000 $395,000 $13,062 6.25%
Juneau, AK (FHA|USDA|VA) 1 $395,000 $395,000 $2,597 6.13%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $395,000 $395,000 $768 5.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $395,000 $395,000 $1,754 6.13%
Ashland, OH (FHA|USDA|VA) 1 $395,000 $395,000 $1,295 6.50%
Muscatine, IA (FHA|USDA|VA) 2 $390,000 $195,000 $1,035 6.75%
JONESBORO, AR (FHA|USDA|VA) 1 $385,000 $385,000 $788 7.30%
Torrington, CT (FHA|USDA|VA) 1 $385,000 $385,000 $973 6.88%
WACO, TX (FHA|USDA|VA) 1 $385,000 $385,000 $6,839 6.75%
Coos Bay, OR (FHA|USDA|VA) 1 $385,000 $385,000 $12,872 6.13%
STAUNTON, VA (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.63%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $365,000 $365,000 $96 7.00%
ODESSA, TX (FHA|USDA|VA) 1 $365,000 $365,000 $15,779 5.00%
Emporia, KS (FHA|USDA|VA) 1 $355,000 $355,000 $81 6.50%
COLUMBIA, MO (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.38%
APPLETON, WI (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.50%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $355,000 $355,000 $769 5.88%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $355,000 $355,000 $9,894 7.25%
Okeechobee, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,617 6.13%
Thomasville, GA (FHA|USDA|VA) 1 $355,000 $355,000 $15,470 6.75%
AMARILLO, TX (FHA|USDA|VA) 1 $345,000 $345,000 $5,550 7.08%
Dublin, GA (FHA|USDA|VA) 1 $345,000 $345,000 $0 6.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.99%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $335,000 $335,000 $1,035 7.38%
Marshall, MO (FHA|USDA|VA) 1 $335,000 $335,000 $372 6.50%
Richmond-Berea, KY (FHA|USDA|VA) 1 $335,000 $335,000 $12,121 6.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.50%
Sanford, NC (FHA|USDA|VA) 1 $325,000 $325,000 $9,015 5.63%
Elizabeth City, NC (FHA|USDA|VA) 1 $325,000 $325,000 $10,320 7.00%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $325,000 $325,000 $0 6.50%
Ottawa, IL (FHA|USDA|VA) 1 $325,000 $325,000 $12,465 5.99%
IOWA CITY, IA (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $315,000 $315,000 $3,230 6.38%
MANKATO, MN (FHA|USDA|VA) 1 $315,000 $315,000 $3,280 6.99%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $9,157 6.25%
Fairfield, IA (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.63%
Elko, NV (FHA|USDA|VA) 1 $295,000 $295,000 $1,150 6.63%
Manitowoc, WI (FHA|USDA|VA) 1 $295,000 $295,000 $4 6.25%
Woodward, OK (FHA|USDA|VA) 1 $295,000 $295,000 $3,250 6.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $295,000 $295,000 $8,151 6.63%
Stillwater, OK (FHA|USDA|VA) 2 $290,000 $145,000 $0 7.50%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.88%
London, KY (FHA|USDA|VA) 1 $285,000 $285,000 $2,800 7.10%
Roseburg, OR (FHA|USDA|VA) 1 $285,000 $285,000 $9,382 5.75%
Jefferson, GA (FHA|USDA|VA) 1 $285,000 $285,000 $12,254 6.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $285,000 $285,000 $3,829 6.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $864 6.88%
Shelbyville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $5,413 6.88%
GREAT FALLS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $10,412 7.00%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $275,000 $275,000 $5,417 6.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $265,000 $265,000 $1,142 6.35%
Oneonta, NY (FHA|USDA|VA) 1 $265,000 $265,000 $1,400 6.33%
JACKSON, MS (FHA|USDA|VA) 1 $265,000 $265,000 $6,775 7.13%
Shawnee, OK (FHA|USDA|VA) 1 $265,000 $265,000 $6,668 6.25%
MOBILE, AL (FHA|USDA|VA) 1 $255,000 $255,000 $4,659 7.63%
Oskaloosa, IA (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,003 5.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,793 6.50%
Henderson, NC (FHA|USDA|VA) 1 $255,000 $255,000 $10,707 6.25%
Scottsbluff, NE (FHA|USDA|VA) 1 $255,000 $255,000 $421 5.99%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,486 5.75%
Danville, KY (FHA|USDA|VA) 1 $245,000 $245,000 $1,751 5.75%
ERIE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $2,590 6.50%
El Dorado, AR (FHA|USDA|VA) 1 $245,000 $245,000 $79 6.05%
Wilson, NC (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.88%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.35%
VALLEJO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $250 7.13%
JOPLIN, MO (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.13%
GAINESVILLE, GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,031 6.33%
Blackfoot, ID (FHA|USDA|VA) 1 $225,000 $225,000 $3,187 5.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $5,983 7.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $215,000 $215,000 $52 5.38%
Lebanon, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,581 7.08%
Minot, ND (FHA|USDA|VA) 1 $215,000 $215,000 $4,123 5.63%
Mason City, IA (FHA|USDA|VA) 1 $215,000 $215,000 $1,148 6.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $205,000 $205,000 $4,114 5.63%
Norwalk, OH (FHA|USDA|VA) 1 $205,000 $205,000 $6,862 5.75%
Coldwater, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.50%
Camden, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,474 6.33%
Eufaula, AL-GA (FHA|USDA|VA) 1 $205,000 $205,000 $161 5.63%
Ottawa, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.08%
AKRON, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $195,000 $195,000 $482 6.13%
Marshalltown, IA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.25%
Forrest City, AR (FHA|USDA|VA) 1 $185,000 $185,000 $4,383 6.88%
Marion, IN (FHA|USDA|VA) 1 $185,000 $185,000 $150 6.99%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.00%
JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,023 6.63%
Borger, TX (FHA|USDA|VA) 1 $165,000 $165,000 $1,724 6.50%
Glasgow, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,648 7.25%
Carroll, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,680 6.13%
Bay City, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,721 5.99%
Marinette, WI-MI (FHA|USDA|VA) 1 $155,000 $155,000 $530 6.30%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $155,000 $155,000 $1,041 6.50%
Escanaba, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,385 5.99%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $145,000 $145,000 $4,565 7.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $145,000 $145,000 $717 6.13%
Tifton, GA (FHA|USDA|VA) 1 $125,000 $125,000 $1,739 7.40%
Galesburg, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,948 5.50%
Burlington, IA-IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,027 6.25%
BAY CITY, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,760 6.99%
El Campo, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,415 5.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $95,000 $95,000 $4,099 6.50%
St. Marys, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.50%
Premia Mortgage's top markets include Houston, Dallas, St. Louis, Detroit, and Seattle among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

    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 1,605 $658,395,000 $410,215 $2,266 6.38%
    VA 215 $95,935,000 $446,209 $7,027 5.98%
    FHA 131 $45,405,000 $346,603 $8,978 6.27%

    For 2023, Premia Mortgage's most frequently originated type of loan was Conventional, with 1,605 originations. Their 2nd most popular type was VA, with 215 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,943 $796,315,000 $409,838 $3,251 6.33%
    Refi 7 $3,365,000 $480,714 $1,445 5.82%
    Cash Out Refi 1 $55,000 $55,000 $4,080 7.50%

    For 2023, Premia Mortgage's most frequently cited loan purpose was Home Purchase, with 1,943 originations. The 2nd most popular reason was Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,784 $744,680,000 $417,422 $3,370 6.40%
    15 Year 153 $50,105,000 $327,484 $1,899 5.53%
    20 Year 12 $4,580,000 $381,667 $2,144 6.09%
    10 Year 1 $125,000 $125,000 $1,100 7.00%
    Other 1 $245,000 $245,000 $204 6.63%

    For 2023, Premia Mortgage's most frequently cited loan duration was 30 Year, with 1,784 originations. The 2nd most popular length was 15 Year, with 153 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,415 $585,655,000 $413,890
    $1k-2k 170 $65,270,000 $383,941
    $5k+ 115 $58,575,000 $509,348
    $2k-3k 104 $34,430,000 $331,058
    $3k-4k 82 $29,310,000 $357,439
    $4k-5k 58 $24,740,000 $426,552

    Premia Mortgage's average total fees were $3,370, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,415 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,075 $451,915,000 $420,386
    5-6% 621 $252,795,000 $407,077
    7-8% 209 $76,985,000 $368,349
    4-5% 39 $15,375,000 $394,231
    Over 8% 7 $2,665,000 $380,714

    During 2023, Premia Mortgage's average interest rate for loans was 6.40%, while their most frequently originated rate bucket for loans was 6-7%, with 1,075 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 914 $281,500,000 $307,987 $2,975 6.35%
    $400k-600k 651 $315,495,000 $484,631 $3,424 6.31%
    $600k-1MM 233 $162,865,000 $698,991 $4,066 6.30%
    $100k-200k 127 $20,105,000 $158,307 $2,032 6.31%
    $1MM+ 17 $19,115,000 $1,124,412 $9,150 6.10%
    $100,000 or less 9 $655,000 $72,778 $2,038 6.38%

    2023 saw Premia Mortgage place emphasis on $200k-400k loans with 914 originations, totaling $281,500,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 778 $348,690,000 $448,188 $3,250 6.29%
    $100k-150k 711 $246,135,000 $346,181 $3,200 6.34%
    $250k+ 254 $151,450,000 $596,260 $3,118 6.38%
    $75k-100k 179 $47,135,000 $263,324 $3,452 6.35%
    $50k-75k 26 $5,870,000 $225,769 $3,854 6.38%
    $50k or less 3 $455,000 $151,667 $5,814 6.25%

    Premia Mortgage lent most frequently to those with incomes in the $150k-250k range, with 778 originations. The second most popular income band? $100k-150k, with 711 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 442 $168,330,000 $380,837 $2,311 6.26%
    30-36% 407 $166,435,000 $408,931 $2,766 6.33%
    50-60% 101 $44,715,000 $442,723 $8,601 6.05%
    <20% 94 $23,680,000 $251,915 $1,573 6.17%
    37% 82 $34,380,000 $419,268 $3,551 6.28%
    42% 76 $34,250,000 $450,658 $3,198 6.52%
    44% 76 $34,690,000 $456,447 $3,068 6.41%
    36% 75 $33,075,000 $441,000 $3,369 6.37%
    41% 69 $31,445,000 $455,725 $2,944 6.41%
    39% 68 $29,720,000 $437,059 $3,165 6.47%
    49% 66 $26,280,000 $398,182 $4,820 6.34%
    38% 62 $25,660,000 $413,871 $3,005 6.35%
    46% 59 $26,775,000 $453,814 $3,357 6.39%
    47% 58 $26,050,000 $449,138 $3,673 6.38%
    45% 58 $24,610,000 $424,310 $3,389 6.44%
    43% 53 $23,175,000 $437,264 $4,074 6.37%
    40% 51 $22,675,000 $444,608 $3,649 6.45%
    48% 51 $21,525,000 $422,059 $3,449 6.63%
    >60% 3 $2,265,000 $755,000 $12,791 5.46%

    Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 442 originations. The next most common DTI ratio? 30-36%, with 407 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,269 $514,985,000 $405,820 $3,201 6.35%
    Not provided 434 $176,730,000 $407,212 $3,450 6.31%
    Asian 108 $46,830,000 $433,611 $2,083 6.10%
    Black 99 $43,885,000 $443,283 $3,857 6.33%
    American Indian 19 $6,955,000 $366,053 $4,443 6.41%
    Asian Indian 14 $6,560,000 $468,571 $4,359 6.28%
    Native Hawaiian or Islander 3 $1,045,000 $348,333 $4,531 6.46%
    Chinese 1 $845,000 $845,000 $0 5.50%
    Other Asian 2 $770,000 $385,000 $264 6.13%
    Japanese 1 $565,000 $565,000 $608 7.00%
    Filipino 1 $565,000 $565,000 $4,611 6.88%

    Approval Rates

    Total approvals of all applications
    97.34%

    Premia Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    79.96%

    Premia Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,951 $799,735,000 $409,910

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,951 $799,735,000 $409,910

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 80 $18,760,000 $234,500 $1,696 6.06%
    40-60% 185 $67,365,000 $364,135 $2,004 6.20%
    60-80% 671 $293,235,000 $437,012 $2,487 6.37%
    80-100% 970 $404,640,000 $417,155 $3,733 6.37%
    Over 100% 36 $14,750,000 $409,722 $14,439 5.96%
    Under 20% 9 $985,000 $109,444 $1,393 6.08%