Premia Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300ISCZS1R0CJMO47

Tax ID: 26-3780954

5 stars - Updated: 12/1/23 - out of 5 stars, based on 48 reviews

Latest/2022 | 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 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, Atlanta, and Charlotte among others. We have data for 366 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 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 6.36% 12/1/23
30 Year Conventional Refi 6.53% 12/1/23
30 Year Cash-out Refi 6.91% 12/1/23
30 Year FHA Purchase 7.10% 12/1/23
30 Year VA Purchase 5.79% 12/1/23
15 Year Conventional Purchase 5.47% 12/1/23
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

2,349

Origination Dollar Volume (All Markets)

$925,515,000
Show all (51) awards

Relative Rate

Premia Mortgage's average 30 year fixed mortgage rate was 4.82%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.06%.

Relative Fees (Closing Costs)

Premia Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $3,431.

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) 166 $64,570,000 $388,976 $3,412 4.78%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 94 $40,270,000 $428,404 $3,873 4.80%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 97 $33,265,000 $342,938 $2,164 4.96%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 68 $30,810,000 $453,088 $3,084 4.65%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 63 $29,215,000 $463,730 $1,987 4.62%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 52 $24,950,000 $479,808 $2,326 4.55%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 54 $24,950,000 $462,037 $3,956 4.80%
ST. LOUIS, MO-IL (FHA|USDA|VA) 65 $24,155,000 $371,615 $2,064 4.72%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $22,455,000 $575,769 $5,434 4.44%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 45 $20,765,000 $461,444 $3,318 4.78%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 30 $16,390,000 $546,333 $3,598 5.24%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 31 $16,225,000 $523,387 $2,048 4.40%
MIDLAND, TX (FHA|USDA|VA) 42 $15,080,000 $359,048 $3,711 4.69%
Outside of Metro Areas 54 $13,910,000 $257,593 $2,501 4.77%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 30 $13,310,000 $443,667 $3,431 4.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 31 $13,285,000 $428,548 $4,014 4.35%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 23 $13,125,000 $570,652 $3,935 4.75%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 20 $13,030,000 $651,500 $4,812 4.53%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 31 $12,245,000 $395,000 $4,367 4.61%
HUNTSVILLE, AL (FHA|USDA|VA) 37 $11,495,000 $310,676 $2,304 4.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 25 $11,025,000 $441,000 $3,779 4.85%
KANSAS CITY, MO-KS (FHA|USDA|VA) 27 $9,605,000 $355,741 $2,016 4.74%
TUCSON, AZ (FHA|USDA|VA) 26 $9,300,000 $357,692 $4,349 3.73%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 22 $9,280,000 $421,818 $2,861 4.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 20 $9,240,000 $462,000 $3,152 4.89%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $8,670,000 $394,091 $2,752 5.07%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $8,625,000 $453,947 $6,672 4.59%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $8,570,000 $329,615 $4,229 4.29%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 20 $8,300,000 $415,000 $4,128 4.59%
RALEIGH-CARY, NC (FHA|USDA|VA) 17 $8,235,000 $484,412 $3,856 4.89%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 18 $7,980,000 $443,333 $3,394 4.46%
ANCHORAGE, AK (FHA|USDA|VA) 14 $7,390,000 $527,857 $3,207 4.88%
RICHMOND, VA (FHA|USDA|VA) 18 $6,760,000 $375,556 $2,231 4.26%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $6,525,000 $383,824 $2,502 4.87%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 14 $6,260,000 $447,143 $968 4.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $5,870,000 $326,111 $624 4.83%
JACKSONVILLE, FL (FHA|USDA|VA) 13 $5,835,000 $448,846 $3,375 4.67%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $5,610,000 $400,714 $3,811 4.92%
PITTSBURGH, PA (FHA|USDA|VA) 15 $5,375,000 $358,333 $2,045 4.03%
BATON ROUGE, LA (FHA|USDA|VA) 14 $5,270,000 $376,429 $3,782 4.56%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 9 $5,155,000 $572,778 $4,022 4.57%
OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $4,645,000 $357,308 $3,145 4.94%
GREELEY, CO (FHA|USDA|VA) 9 $4,345,000 $482,778 $3,007 4.84%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $4,085,000 $371,364 $3,203 4.37%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $3,955,000 $359,545 $3,552 4.93%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,940,000 $656,667 $2,658 5.90%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $3,815,000 $293,462 $1,443 5.27%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $3,760,000 $470,000 $4,060 5.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $3,730,000 $621,667 $2,383 4.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $3,610,000 $601,667 $8,967 4.81%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 8 $3,530,000 $441,250 $3,969 4.62%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,490,000 $436,250 $2,180 3.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $3,370,000 $337,000 $2,629 4.84%
LOUISVILLE, KY (FHA|USDA|VA) 10 $3,330,000 $333,000 $2,074 5.88%
Carlsbad-Artesia, NM (FHA|USDA|VA) 10 $3,320,000 $332,000 $3,604 5.05%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 9 $3,215,000 $357,222 $2,861 4.74%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $3,210,000 $401,250 $2,794 4.36%
LANCASTER, PA (FHA|USDA|VA) 7 $3,205,000 $457,857 $5,125 4.80%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 8 $3,200,000 $400,000 $8,524 3.71%
COLUMBUS, OH (FHA|USDA|VA) 8 $3,160,000 $395,000 $2,371 5.14%
LAKE CHARLES, LA (FHA|USDA|VA) 9 $3,025,000 $336,111 $1,863 3.86%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,985,000 $331,667 $1,864 4.68%
Corning, NY (FHA|USDA|VA) 10 $2,950,000 $295,000 $2,222 4.21%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $2,935,000 $587,000 $1,977 5.32%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,930,000 $488,333 $2,508 4.29%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $2,850,000 $475,000 $1,468 4.83%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,790,000 $348,750 $2,080 4.74%
BELLINGHAM, WA (FHA|USDA|VA) 5 $2,665,000 $533,000 $5,695 3.70%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $2,620,000 $436,667 $1,374 4.31%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $2,520,000 $315,000 $3,385 4.96%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $2,310,000 $385,000 $3,983 4.57%
BILLINGS, MT (FHA|USDA|VA) 5 $2,305,000 $461,000 $2,518 4.34%
FORT WAYNE, IN (FHA|USDA|VA) 6 $2,290,000 $381,667 $1,981 4.56%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 7 $2,285,000 $326,429 $1,939 5.98%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $2,255,000 $322,143 $913 4.63%
TULSA, OK (FHA|USDA|VA) 8 $2,160,000 $270,000 $1,913 5.08%
Austin, MN (FHA|USDA|VA) 6 $2,130,000 $355,000 $3,916 4.52%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $2,100,000 $350,000 $1,447 5.64%
BOISE CITY, ID (FHA|USDA|VA) 5 $2,075,000 $415,000 $6,912 6.28%
RENO, NV (FHA|USDA|VA) 4 $2,070,000 $517,500 $3,998 4.06%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $2,050,000 $512,500 $3,851 4.47%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $2,030,000 $507,500 $9,500 4.21%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $2,010,000 $502,500 $3,888 3.66%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,980,000 $330,000 $4,040 4.50%
BEND, OR (FHA|USDA|VA) 4 $1,980,000 $495,000 $3,058 3.43%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $1,945,000 $389,000 $1,023 5.20%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $1,925,000 $385,000 $3,537 4.60%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,920,000 $480,000 $825 4.84%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,885,000 $377,000 $833 4.35%
Helena, MT (FHA|USDA|VA) 4 $1,870,000 $467,500 $4,172 5.01%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,870,000 $467,500 $2,357 4.47%
LINCOLN, NE (FHA|USDA|VA) 5 $1,865,000 $373,000 $3,514 5.43%
COLUMBIA, SC (FHA|USDA|VA) 6 $1,860,000 $310,000 $2,650 4.92%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,850,000 $308,333 $2,019 4.73%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,835,000 $367,000 $5,206 4.93%
Camden, AR (FHA|USDA|VA) 12 $1,810,000 $150,833 $1,348 4.47%
VALLEJO, CA (FHA|USDA|VA) 3 $1,775,000 $591,667 $2,356 6.41%
AKRON, OH (FHA|USDA|VA) 5 $1,735,000 $347,000 $1,167 4.75%
WICHITA, KS (FHA|USDA|VA) 6 $1,720,000 $286,667 $5,102 5.31%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,710,000 $427,500 $1,472 4.62%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,685,000 $240,714 $1,959 4.48%
JACKSON, MS (FHA|USDA|VA) 6 $1,670,000 $278,333 $4,721 5.04%
ROCHESTER, NY (FHA|USDA|VA) 5 $1,565,000 $313,000 $3,812 6.28%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,550,000 $387,500 $2,689 5.61%
FLINT, MI (FHA|USDA|VA) 6 $1,540,000 $256,667 $1,785 4.59%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,505,000 $301,000 $2,621 4.87%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,490,000 $372,500 $1,126 4.93%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,485,000 $297,000 $2,018 4.02%
LONGVIEW, TX (FHA|USDA|VA) 5 $1,485,000 $297,000 $4,773 4.10%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $1,460,000 $243,333 $208 5.05%
AMARILLO, TX (FHA|USDA|VA) 4 $1,430,000 $357,500 $4,659 3.97%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,390,000 $347,500 $2,374 5.44%
LUBBOCK, TX (FHA|USDA|VA) 5 $1,355,000 $271,000 $1,855 4.94%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $9,235 4.06%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,345,000 $448,333 $4,765 4.88%
LAFAYETTE, LA (FHA|USDA|VA) 5 $1,335,000 $267,000 $2,743 4.09%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,335,000 $445,000 $4,097 4.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $1,335,000 $445,000 $9,261 3.71%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,315,000 $438,333 $1,574 5.29%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,003 4.43%
ROCHESTER, MN (FHA|USDA|VA) 3 $1,285,000 $428,333 $3,996 4.71%
Albertville, AL (FHA|USDA|VA) 4 $1,280,000 $320,000 $1,737 3.71%
READING, PA (FHA|USDA|VA) 3 $1,235,000 $411,667 $399 4.77%
LEBANON, PA (FHA|USDA|VA) 4 $1,220,000 $305,000 $3,082 5.06%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,205,000 $401,667 $4,786 4.96%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $1,200,000 $600,000 $18,126 5.25%
SAVANNAH, GA (FHA|USDA|VA) 3 $1,185,000 $395,000 $2,908 4.50%
TYLER, TX (FHA|USDA|VA) 3 $1,185,000 $395,000 $2,922 4.71%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,160,000 $290,000 $4,127 4.90%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $1,140,000 $285,000 $1,630 4.25%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,140,000 $285,000 $1,415 4.72%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,135,000 $378,333 $0 4.71%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $1,120,000 $280,000 $5,534 4.34%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $1,110,000 $277,500 $1,227 5.85%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $1,065,000 $355,000 $5,979 3.91%
Paducah, KY-IL (FHA|USDA|VA) 3 $1,055,000 $351,667 $167 4.63%
JACKSON, TN (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,786 4.50%
BOULDER, CO (FHA|USDA|VA) 2 $1,030,000 $515,000 $1,880 4.94%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $1,030,000 $515,000 $9,709 4.44%
ELMIRA, NY (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,036 4.13%
DECATUR, AL (FHA|USDA|VA) 3 $1,025,000 $341,667 $5,381 3.21%
SALEM, OR (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,191 3.93%
FLORENCE, SC (FHA|USDA|VA) 3 $995,000 $331,667 $50 4.28%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $995,000 $331,667 $658 3.74%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $985,000 $328,333 $2,387 3.66%
Pella, IA (FHA|USDA|VA) 3 $985,000 $328,333 $971 3.88%
Muscatine, IA (FHA|USDA|VA) 2 $980,000 $490,000 $278 5.66%
Henderson, NC (FHA|USDA|VA) 2 $970,000 $485,000 $4,387 4.25%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $955,000 $318,333 $75 4.62%
PROVO-OREM, UT (FHA|USDA|VA) 2 $940,000 $470,000 $1,475 4.29%
Minot, ND (FHA|USDA|VA) 3 $935,000 $311,667 $0 4.87%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $930,000 $232,500 $2,192 3.38%
WILMINGTON, NC (FHA|USDA|VA) 3 $885,000 $295,000 $1,737 3.46%
Lawrenceburg, TN (FHA|USDA|VA) 3 $875,000 $291,667 $2,726 5.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $870,000 $435,000 $523 5.00%
VICTORIA, TX (FHA|USDA|VA) 3 $865,000 $288,333 $3,044 4.79%
Laurinburg, NC (FHA|USDA|VA) 3 $855,000 $285,000 $1,389 5.27%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $855,000 $285,000 $808 4.35%
Galesburg, IL (FHA|USDA|VA) 5 $855,000 $171,000 $1,566 5.07%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $835,000 $278,333 $533 5.63%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $830,000 $415,000 $10,346 5.44%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $830,000 $415,000 $5,001 4.19%
VALDOSTA, GA (FHA|USDA|VA) 3 $815,000 $271,667 $804 5.67%
COLUMBIA, MO (FHA|USDA|VA) 3 $815,000 $271,667 $1,054 5.25%
El Dorado, AR (FHA|USDA|VA) 3 $815,000 $271,667 $0 4.46%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $810,000 $405,000 $7,268 5.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $800,000 $400,000 $2,655 5.93%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $795,000 $265,000 $2,191 5.34%
Dickinson, ND (FHA|USDA|VA) 3 $795,000 $265,000 $1,707 4.55%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $795,000 $265,000 $1,736 4.71%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $780,000 $390,000 $3,177 5.31%
CHEYENNE, WY (FHA|USDA|VA) 2 $770,000 $385,000 $9,293 4.46%
Seneca, SC (FHA|USDA|VA) 3 $735,000 $245,000 $0 5.73%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $735,000 $245,000 $1,880 4.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $720,000 $360,000 $7,720 3.76%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $720,000 $360,000 $1,610 4.81%
Cookeville, TN (FHA|USDA|VA) 2 $720,000 $360,000 $1,163 4.68%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $710,000 $355,000 $240 3.19%
OCALA, FL (FHA|USDA|VA) 1 $705,000 $705,000 $13,630 5.38%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $705,000 $705,000 $7,576 5.98%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $700,000 $350,000 $10,822 4.63%
FARGO, ND-MN (FHA|USDA|VA) 2 $700,000 $350,000 $6,942 4.06%
Sanford, NC (FHA|USDA|VA) 2 $690,000 $345,000 $2,037 5.56%
Sturgis, MI (FHA|USDA|VA) 3 $685,000 $228,333 $0 5.77%
Outside of Metro Areas 2 $680,000 $340,000 $5,133 4.44%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $675,000 $225,000 $3,037 4.58%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $670,000 $335,000 $963 4.36%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $650,000 $325,000 $357 5.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $645,000 $645,000 $7,237 5.00%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $640,000 $320,000 $2,341 5.63%
BISMARCK, ND (FHA|USDA|VA) 2 $630,000 $315,000 $168 3.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $630,000 $315,000 $2,345 4.68%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $615,000 $615,000 $8,578 5.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $615,000 $615,000 $16,638 3.88%
Scottsboro, AL (FHA|USDA|VA) 2 $610,000 $305,000 $8,900 4.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $605,000 $605,000 $0 4.75%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $600,000 $300,000 $6,292 4.88%
SAN ANGELO, TX (FHA|USDA|VA) 1 $595,000 $595,000 $0 3.13%
Bozeman, MT (FHA|USDA|VA) 1 $595,000 $595,000 $9,070 5.20%
Manitowoc, WI (FHA|USDA|VA) 2 $590,000 $295,000 $2,982 4.31%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $590,000 $295,000 $10,152 4.38%
FRESNO, CA (FHA|USDA|VA) 1 $585,000 $585,000 $9,014 5.50%
GOLDSBORO, NC (FHA|USDA|VA) 2 $580,000 $290,000 $1,226 3.63%
GREENVILLE, NC (FHA|USDA|VA) 2 $580,000 $290,000 $108 5.31%
LAWRENCE, KS (FHA|USDA|VA) 2 $580,000 $290,000 $1,329 4.88%
Roseburg, OR (FHA|USDA|VA) 1 $575,000 $575,000 $2,669 5.30%
Greenwood, SC (FHA|USDA|VA) 1 $575,000 $575,000 $0 5.38%
DUBUQUE, IA (FHA|USDA|VA) 2 $570,000 $285,000 $2,589 5.75%
WACO, TX (FHA|USDA|VA) 2 $570,000 $285,000 $3,215 4.26%
ITHACA, NY (FHA|USDA|VA) 1 $565,000 $565,000 $1,000 4.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $555,000 $555,000 $2,273 3.90%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $555,000 $555,000 $890 6.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $555,000 $555,000 $21,662 4.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $545,000 $545,000 $8,284 4.99%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $4,546 4.25%
St. Marys, GA (FHA|USDA|VA) 2 $540,000 $270,000 $759 5.69%
MANHATTAN, KS (FHA|USDA|VA) 2 $540,000 $270,000 $812 5.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $535,000 $535,000 $510 5.50%
Coldwater, MI (FHA|USDA|VA) 1 $535,000 $535,000 $4,281 3.63%
Lumberton, NC (FHA|USDA|VA) 2 $530,000 $265,000 $260 4.75%
ODESSA, TX (FHA|USDA|VA) 2 $520,000 $260,000 $5,910 5.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $520,000 $260,000 $1,796 6.56%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $1,727 6.13%
SPARTANBURG, SC (FHA|USDA|VA) 2 $510,000 $255,000 $2,930 4.81%
Bedford, IN (FHA|USDA|VA) 2 $490,000 $245,000 $3,110 5.25%
Kalispell, MT (FHA|USDA|VA) 1 $485,000 $485,000 $0 5.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $485,000 $485,000 $5,400 5.99%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $475,000 $475,000 $0 3.75%
Shelton, WA (FHA|USDA|VA) 1 $475,000 $475,000 $12,344 5.88%
Keene, NH (FHA|USDA|VA) 1 $475,000 $475,000 $4,828 6.00%
Martinsville, VA (FHA|USDA|VA) 1 $475,000 $475,000 $16,380 4.13%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $470,000 $235,000 $2,457 4.88%
Owatonna, MN (FHA|USDA|VA) 2 $470,000 $235,000 $5,180 6.25%
Holland, MI (FHA|USDA|VA) 2 $470,000 $235,000 $4,843 4.19%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $470,000 $235,000 $1,660 4.78%
TOLEDO, OH (FHA|USDA|VA) 2 $470,000 $235,000 $3,179 3.94%
Cullman, AL (FHA|USDA|VA) 1 $465,000 $465,000 $10,437 4.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $465,000 $465,000 $2,392 5.38%
Elko, NV (FHA|USDA|VA) 1 $465,000 $465,000 $2,613 5.75%
ROANOKE, VA (FHA|USDA|VA) 1 $465,000 $465,000 $0 5.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $460,000 $230,000 $108 4.56%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $455,000 $455,000 $738 5.13%
PUEBLO, CO (FHA|USDA|VA) 1 $455,000 $455,000 $1,539 2.99%
Rochelle, IL (FHA|USDA|VA) 2 $450,000 $225,000 $3,819 5.05%
PEORIA, IL (FHA|USDA|VA) 2 $440,000 $220,000 $4,611 3.63%
STOCKTON, CA (FHA|USDA|VA) 1 $435,000 $435,000 $698 2.99%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $435,000 $435,000 $0 3.50%
ROCKFORD, IL (FHA|USDA|VA) 2 $430,000 $215,000 $3,145 4.88%
MONROE, MI (FHA|USDA|VA) 2 $430,000 $215,000 $1,572 5.81%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $425,000 $425,000 $5,627 2.99%
ASHEVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $0 5.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $425,000 $425,000 $12,658 3.98%
Safford, AZ (FHA|USDA|VA) 2 $420,000 $210,000 $5,606 4.69%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $11,123 4.75%
Batavia, NY (FHA|USDA|VA) 1 $405,000 $405,000 $19,075 2.38%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $405,000 $405,000 $225 2.63%
Moses Lake, WA (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $395,000 $395,000 $5,506 2.88%
Storm Lake, IA (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.63%
Big Spring, TX (FHA|USDA|VA) 1 $385,000 $385,000 $2,212 5.63%
Torrington, CT (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $385,000 $385,000 $1,030 3.95%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $380,000 $190,000 $3,292 4.63%
JONESBORO, AR (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $375,000 $375,000 $8,128 4.88%
AMES, IA (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.98%
COLUMBUS, IN (FHA|USDA|VA) 1 $375,000 $375,000 $17,345 4.75%
Oak Harbor, WA (FHA|USDA|VA) 1 $375,000 $375,000 $8,507 5.88%
MERCED, CA (FHA|USDA|VA) 1 $375,000 $375,000 $284 6.13%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.25%
Fernley, NV (FHA|USDA|VA) 1 $365,000 $365,000 $9,586 2.99%
APPLETON, WI (FHA|USDA|VA) 1 $355,000 $355,000 $9,406 3.50%
Greenwood, MS (FHA|USDA|VA) 1 $355,000 $355,000 $3,537 3.13%
Beaver Dam, WI (FHA|USDA|VA) 1 $355,000 $355,000 $10,571 6.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $355,000 $355,000 $495 2.88%
Marietta, OH (FHA|USDA|VA) 1 $355,000 $355,000 $4,914 2.38%
OWENSBORO, KY (FHA|USDA|VA) 1 $345,000 $345,000 $862 2.00%
Picayune, MS (FHA|USDA|VA) 1 $345,000 $345,000 $11,739 2.75%
Eufaula, AL-GA (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $345,000 $345,000 $11,744 2.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $345,000 $345,000 $1,743 5.99%
Cañon City, CO (FHA|USDA|VA) 1 $345,000 $345,000 $5,623 3.63%
Moberly, MO (FHA|USDA|VA) 1 $335,000 $335,000 $10,324 7.25%
Aberdeen, SD (FHA|USDA|VA) 1 $335,000 $335,000 $679 5.63%
Willmar, MN (FHA|USDA|VA) 1 $325,000 $325,000 $705 5.13%
BINGHAMTON, NY (FHA|USDA|VA) 1 $325,000 $325,000 $5,408 5.75%
Stevens Point, WI (FHA|USDA|VA) 1 $325,000 $325,000 $1,404 6.38%
Shawnee, OK (FHA|USDA|VA) 1 $325,000 $325,000 $5,294 5.25%
Pontiac, IL (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.28%
Vidalia, GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,290 3.99%
EL PASO, TX (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.25%
MADERA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $332 6.25%
McAlester, OK (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.75%
Oxford, MS (FHA|USDA|VA) 1 $315,000 $315,000 $2,586 5.50%
Altus, OK (FHA|USDA|VA) 1 $305,000 $305,000 $1,965 6.63%
Ottawa, IL (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.99%
Coos Bay, OR (FHA|USDA|VA) 1 $305,000 $305,000 $2,111 5.50%
MADISON, WI (FHA|USDA|VA) 1 $305,000 $305,000 $767 5.99%
McPherson, KS (FHA|USDA|VA) 1 $305,000 $305,000 $1,145 6.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $305,000 $305,000 $448 4.38%
ST. CLOUD, MN (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.63%
ALBANY, GA (FHA|USDA|VA) 1 $295,000 $295,000 $5,900 6.25%
Somerset, KY (FHA|USDA|VA) 1 $295,000 $295,000 $1,364 3.88%
GREEN BAY, WI (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.50%
Seneca Falls, NY (FHA|USDA|VA) 1 $285,000 $285,000 $5,600 3.63%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $285,000 $285,000 $8,082 5.50%
Tahlequah, OK (FHA|USDA|VA) 1 $285,000 $285,000 $1,159 4.50%
DULUTH, MN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $655 5.63%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $275,000 $275,000 $11,142 5.00%
Bay City, TX (FHA|USDA|VA) 1 $275,000 $275,000 $10,574 4.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,732 4.63%
Kinston, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,628 4.75%
Gloversville, NY (FHA|USDA|VA) 1 $275,000 $275,000 $3,721 3.50%
SUMTER, SC (FHA|USDA|VA) 1 $265,000 $265,000 $1,962 2.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $265,000 $265,000 $4,023 4.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.88%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $265,000 $265,000 $5 5.75%
FARMINGTON, NM (FHA|USDA|VA) 1 $265,000 $265,000 $7,648 5.50%
Wilson, NC (FHA|USDA|VA) 1 $255,000 $255,000 $6,532 5.13%
MANKATO, MN (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.99%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,179 3.63%
CARSON CITY, NV (FHA|USDA|VA) 1 $255,000 $255,000 $500 4.25%
Hastings, NE (FHA|USDA|VA) 1 $245,000 $245,000 $913 3.13%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $245,000 $245,000 $7,664 5.23%
Columbus, MS (FHA|USDA|VA) 1 $245,000 $245,000 $50 5.00%
Whitewater, WI (FHA|USDA|VA) 1 $245,000 $245,000 $675 4.98%
SYRACUSE, NY (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.13%
Pecos, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,026 5.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,355 3.63%
Kearney, NE (FHA|USDA|VA) 1 $235,000 $235,000 $9,136 3.38%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $235,000 $235,000 $640 5.30%
Quincy, IL-MO (FHA|USDA|VA) 1 $235,000 $235,000 $504 5.25%
Somerset, PA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $235,000 $235,000 $6,339 4.99%
Marshall, MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,948 4.75%
Nogales, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $1,532 3.75%
IOWA CITY, IA (FHA|USDA|VA) 1 $225,000 $225,000 $3,183 3.50%
Rockingham, NC (FHA|USDA|VA) 1 $225,000 $225,000 $563 4.50%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $9,432 4.88%
North Platte, NE (FHA|USDA|VA) 1 $215,000 $215,000 $131 4.99%
Okeechobee, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,424 5.13%
Sheridan, WY (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $215,000 $215,000 $4,672 3.95%
Grenada, MS (FHA|USDA|VA) 1 $215,000 $215,000 $5,273 3.75%
Oil City, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,868 4.38%
Borger, TX (FHA|USDA|VA) 1 $195,000 $195,000 $5,143 3.50%
Dayton, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,467 2.99%
Tupelo, MS (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.38%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,396 5.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,899 4.63%
Hobbs, NM (FHA|USDA|VA) 1 $185,000 $185,000 $1,865 6.63%
Oskaloosa, IA (FHA|USDA|VA) 1 $185,000 $185,000 $721 4.99%
Albert Lea, MN (FHA|USDA|VA) 1 $185,000 $185,000 $5,549 5.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,011 3.50%
RACINE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $450 5.99%
TOPEKA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,335 5.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,813 4.75%
Payson, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $7,164 5.25%
Clinton, IA (FHA|USDA|VA) 1 $165,000 $165,000 $3,581 3.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.38%
Thomaston, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,210 4.25%
Marshalltown, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,430 6.75%
Richmond, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,558 3.88%
DOTHAN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,687 5.75%
Marshall, MO (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
JOPLIN, MO (FHA|USDA|VA) 1 $95,000 $95,000 $25 4.13%
Premia Mortgage's top markets include Houston, Dallas, Detroit, Atlanta, and Charlotte among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Pennsylvania (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.

    DADE COUNTY FEDERAL CREDIT UNION
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,961 $763,675,000 $389,431 $2,298 4.75%
    VA 270 $124,740,000 $462,000 $7,440 4.31%
    FHA 118 $37,100,000 $314,407 $7,945 4.89%

    For 2022, Premia Mortgage's most frequently originated type of loan was Conventional, with 1,961 originations. Their 2nd most popular type was VA, with 270 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,336 $920,610,000 $394,097 $3,164 4.71%
    Cash Out Refi 8 $2,790,000 $348,750 $5,434 3.83%
    Refi 5 $2,115,000 $423,000 $5,359 3.38%

    For 2022, Premia Mortgage's most frequently cited loan purpose was Home Purchase, with 2,336 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,019 $820,525,000 $406,402 $3,431 4.82%
    15 Year 302 $96,060,000 $318,079 $1,607 4.01%
    20 Year 27 $8,425,000 $312,037 $1,684 4.58%
    Other 1 $505,000 $505,000 $3,307 3.88%

    For 2022, Premia Mortgage's most frequently cited loan duration was 30 Year, with 2,019 originations. The 2nd most popular length was 15 Year, with 302 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,683 $661,475,000 $393,033
    $1k-2k 232 $85,880,000 $370,172
    $5k+ 141 $72,205,000 $512,092
    $2k-3k 127 $44,135,000 $347,520
    $3k-4k 88 $31,630,000 $359,432
    $4k-5k 68 $28,330,000 $416,618

    Premia Mortgage's average total fees were $3,431, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,683 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 724 $286,660,000 $395,939
    4-5% 646 $256,650,000 $397,291
    3-4% 478 $193,300,000 $404,393
    6-7% 235 $84,075,000 $357,766
    2.5-3% 168 $66,650,000 $396,726
    <2.5% 71 $28,185,000 $396,972
    7-8% 27 $9,995,000 $370,185

    During 2022, Premia Mortgage's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 5-6%, with 724 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,171 $359,355,000 $306,879 $2,808 4.74%
    $400k-600k 749 $362,185,000 $483,558 $3,447 4.65%
    $600k-1MM 220 $151,480,000 $688,545 $4,979 4.63%
    $100k-200k 171 $27,615,000 $161,491 $1,973 4.90%
    $100,000 or less 20 $1,550,000 $77,500 $1,411 4.66%
    $1MM+ 18 $23,330,000 $1,296,111 $6,886 4.67%

    2022 saw Premia Mortgage place emphasis on $200k-400k loans with 1,171 originations, totaling $359,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 951 $341,355,000 $358,943 $2,963 4.69%
    $150k-250k 800 $355,280,000 $444,100 $3,284 4.73%
    $75k-100k 331 $95,765,000 $289,320 $3,381 4.68%
    $250k+ 192 $117,010,000 $609,427 $3,269 4.67%
    $50k-75k 71 $15,775,000 $222,183 $3,616 4.94%
    $50k or less 4 $330,000 $82,500 $3,591 4.59%

    Premia Mortgage lent most frequently to those with incomes in the $100k-150k range, with 951 originations. The second most popular income band? $150k-250k, with 800 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 618 $222,040,000 $359,288 $2,498 4.58%
    30-36% 473 $192,375,000 $406,712 $2,970 4.76%
    <20% 166 $42,700,000 $257,229 $1,652 4.38%
    39% 87 $38,765,000 $445,575 $3,009 4.74%
    38% 86 $35,550,000 $413,372 $3,180 4.69%
    50-60% 82 $35,840,000 $437,073 $7,147 4.66%
    37% 81 $37,275,000 $460,185 $4,706 4.77%
    40% 81 $34,135,000 $421,420 $2,416 4.90%
    43% 80 $33,610,000 $420,125 $3,505 4.58%
    42% 78 $33,820,000 $433,590 $4,463 4.99%
    41% 75 $32,775,000 $437,000 $3,792 4.92%
    36% 72 $30,310,000 $420,972 $3,385 4.78%
    49% 69 $30,215,000 $437,899 $4,047 5.05%
    44% 68 $28,850,000 $424,265 $3,108 4.80%
    45% 67 $28,255,000 $421,716 $3,239 4.83%
    46% 55 $21,875,000 $397,727 $3,596 4.87%
    48% 54 $22,740,000 $421,111 $5,005 4.79%
    47% 53 $22,315,000 $421,038 $3,554 4.93%
    >60% 4 $2,070,000 $517,500 $5,769 4.00%

    Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 618 originations. The next most common DTI ratio? 30-36%, with 473 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,477 $572,055,000 $387,309 $3,184 4.70%
    Not provided 578 $233,660,000 $404,256 $3,172 4.72%
    Asian 147 $59,195,000 $402,687 $2,163 4.64%
    Black 110 $45,170,000 $410,636 $4,686 4.90%
    Asian Indian 14 $6,690,000 $477,857 $1,256 4.04%
    American Indian 15 $5,535,000 $369,000 $3,471 5.05%
    Chinese 3 $1,245,000 $415,000 $940 4.71%
    Other Asian 2 $740,000 $370,000 $4,330 4.63%
    Korean 1 $505,000 $505,000 $6,760 5.13%
    Filipino 1 $395,000 $395,000 $5,506 2.88%
    Native Hawaiian or Islander 1 $325,000 $325,000 $0 5.99%

    Approval Rates

    Total approvals of all applications
    97.71%

    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
    78.25%

    Premia Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,349 $925,515,000 $394,004

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,349 $925,515,000 $394,004

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 98 $22,210,000 $226,633 $1,374 4.38%
    40-60% 227 $80,775,000 $355,837 $2,281 4.65%
    60-80% 698 $286,610,000 $410,616 $2,675 4.74%
    80-100% 1,261 $509,975,000 $404,421 $3,155 4.75%
    Over 100% 52 $24,670,000 $474,423 $18,279 4.29%
    Under 20% 13 $1,275,000 $98,077 $703 4.17%