Premia Mortgage Rates, Fees & Info
DOVER, DELEI: 549300ISCZS1R0CJMO47
Tax ID: 26-3780954
5 stars - Updated: 4/5/25
-
out of 5 stars, based on 43 reviews
Latest/2024 | 2023 Data | 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, Charlotte, Atlanta, and St. Louis among others. We have data for 328 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 | 6.64% | 4/5/25 |
| 30 Year Conventional Refi | 6.78% | 4/5/25 |
| 30 Year FHA Purchase | 6.89% | 4/5/25 |
| 30 Year FHA Refi | 6.72% | 4/5/25 |
| 30 Year VA Purchase | 6.01% | 4/5/25 |
| 30 Year VA Refi | 6.16% | 4/5/25 |
| 15 Year Conventional Purchase | 5.71% | 4/5/25 |
| 15 Year Conventional Refi | 5.76% | 4/5/25 |
| 15 Year Cash-out Refi | 5.76% | 4/5/25 |
| 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
1,887Origination Dollar Volume (All Markets)
$845,245,000Awards
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PREMIA MORTGAGE - 2024
PREMIA MORTGAGE is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Premia Mortgage's average 30 year fixed mortgage rate was
6.4%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.15%.
Relative Fees (Closing Costs)
Premia Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,502.
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 $8,356.
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) | 124 | $56,610,000 | $456,532 | $4,207 | 6.08% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 77 | $38,115,000 | $495,000 | $5,052 | 6.28% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 60 | $31,770,000 | $529,500 | $1,560 | 6.40% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 61 | $29,355,000 | $481,230 | $3,194 | 6.31% |
| Outside of Metro Areas | 70 | $29,210,000 | $417,286 | $3,117 | 6.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 66 | $25,890,000 | $392,273 | $2,048 | 6.32% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 32 | $19,080,000 | $596,250 | $1,844 | 6.39% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 28 | $17,950,000 | $641,071 | $4,358 | 6.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $17,740,000 | $682,308 | $6,102 | 6.26% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 36 | $17,410,000 | $483,611 | $3,065 | 6.45% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 41 | $16,915,000 | $412,561 | $2,719 | 6.52% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 26 | $16,770,000 | $645,000 | $4,405 | 6.31% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 31 | $15,375,000 | $495,968 | $5,206 | 6.36% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 21 | $13,085,000 | $623,095 | $4,632 | 6.23% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 29 | $13,035,000 | $449,483 | $1,601 | 6.40% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 21 | $12,835,000 | $611,190 | $2,539 | 6.34% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 21 | $12,175,000 | $579,762 | $3,351 | 6.47% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 25 | $11,875,000 | $475,000 | $1,798 | 6.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 24 | $11,750,000 | $489,583 | $3,243 | 6.22% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 25 | $11,075,000 | $443,000 | $4,989 | 6.15% |
| MIDLAND, TX (FHA|USDA|VA) | 25 | $10,625,000 | $425,000 | $5,444 | 6.14% |
| KNOXVILLE, TN (FHA|USDA|VA) | 24 | $10,390,000 | $432,917 | $1,414 | 6.21% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 25 | $9,805,000 | $392,200 | $4,936 | 6.24% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 14 | $9,790,000 | $699,286 | $2,779 | 6.39% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $7,880,000 | $437,778 | $3,101 | 6.36% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 15 | $7,765,000 | $517,667 | $4,168 | 6.45% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $7,700,000 | $427,778 | $3,925 | 6.34% |
| ANCHORAGE, AK (FHA|USDA|VA) | 13 | $7,475,000 | $575,000 | $3,253 | 6.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 18 | $7,410,000 | $411,667 | $5,053 | 6.30% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $6,890,000 | $492,143 | $5,055 | 6.27% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 15 | $6,875,000 | $458,333 | $1,225 | 6.28% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $6,565,000 | $729,444 | $7,577 | 6.40% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 12 | $6,160,000 | $513,333 | $8,721 | 6.18% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $6,130,000 | $437,857 | $896 | 6.35% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $6,050,000 | $378,125 | $1,575 | 6.46% |
| RICHMOND, VA (FHA|USDA|VA) | 17 | $5,975,000 | $351,471 | $4,279 | 6.23% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 14 | $5,720,000 | $408,571 | $1,167 | 6.42% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 12 | $5,710,000 | $475,833 | $2,053 | 6.40% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $5,320,000 | $443,333 | $2,995 | 6.27% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $5,245,000 | $476,818 | $1,479 | 6.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $5,010,000 | $501,000 | $1,186 | 6.31% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 12 | $4,960,000 | $413,333 | $2,709 | 6.21% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 16 | $4,910,000 | $306,875 | $4,349 | 6.43% |
| COLUMBUS, OH (FHA|USDA|VA) | 13 | $4,805,000 | $369,615 | $1,844 | 6.35% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 11 | $4,805,000 | $436,818 | $2,999 | 6.40% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $4,805,000 | $533,889 | $7,603 | 6.03% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $4,410,000 | $1,102,500 | $1,005 | 6.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $4,395,000 | $488,333 | $5,596 | 6.37% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $4,140,000 | $345,000 | $2,780 | 6.40% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $3,945,000 | $438,333 | $4,203 | 6.46% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $3,935,000 | $787,000 | $4,292 | 6.16% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $3,900,000 | $390,000 | $1,280 | 6.34% |
| WICHITA, KS (FHA|USDA|VA) | 9 | $3,505,000 | $389,444 | $4,097 | 6.34% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $3,355,000 | $671,000 | $1,664 | 6.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $3,335,000 | $667,000 | $4,382 | 6.48% |
| TULSA, OK (FHA|USDA|VA) | 8 | $3,190,000 | $398,750 | $4,530 | 6.14% |
| BILLINGS, MT (FHA|USDA|VA) | 7 | $3,145,000 | $449,286 | $1,856 | 6.51% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $3,075,000 | $341,667 | $3,261 | 6.53% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 6 | $2,950,000 | $491,667 | $6,608 | 6.33% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 9 | $2,925,000 | $325,000 | $4,182 | 6.33% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $6,049 | 6.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $2,830,000 | $707,500 | $3,730 | 7.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 9 | $2,775,000 | $308,333 | $2,617 | 6.65% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $2,755,000 | $393,571 | $3,133 | 6.26% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $4,282 | 6.20% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $3,358 | 6.16% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $2,620,000 | $436,667 | $1,076 | 6.33% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 7 | $2,575,000 | $367,857 | $518 | 7.06% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $2,560,000 | $426,667 | $2,130 | 6.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $2,520,000 | $420,000 | $1,529 | 6.64% |
| SPARTANBURG, SC (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $1,837 | 6.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $733 | 6.45% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $12,109 | 6.43% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $161 | 6.30% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $2,275,000 | $455,000 | $1,628 | 6.55% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $3,866 | 6.44% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $2,210,000 | $552,500 | $9,402 | 6.18% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $4,085 | 6.07% |
| MADISON, WI (FHA|USDA|VA) | 4 | $2,080,000 | $520,000 | $3,735 | 5.72% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $1,456 | 6.95% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $5,706 | 6.33% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $2,409 | 6.74% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $0 | 6.58% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $6,822 | 6.35% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $6,663 | 6.72% |
| Findlay, OH (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $862 | 5.94% |
| Dickinson, ND (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $2,425 | 6.28% |
| TYLER, TX (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $4,256 | 6.42% |
| ODESSA, TX (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $7,221 | 5.99% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $2,533 | 6.25% |
| Austin, MN (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $3,518 | 6.70% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $1,457 | 5.99% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $0 | 6.84% |
| FLINT, MI (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $3,052 | 6.32% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $4,762 | 6.51% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $1,500 | 5.85% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $1,438 | 6.18% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $4,859 | 6.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $795 | 6.01% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $444 | 6.49% |
| MIDLAND, MI (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $832 | 6.66% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $3,602 | 6.77% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $344 | 6.69% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $9,874 | 5.33% |
| WACO, TX (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $3,488 | 6.53% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $5,276 | 6.37% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $1,414 | 6.56% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $2,798 | 6.40% |
| Borger, TX (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $4,486 | 6.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $6,691 | 6.60% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $1,740 | 6.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $1,544 | 6.83% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $3,076 | 6.59% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $3,817 | 6.21% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,522 | 6.68% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $12,466 | 6.28% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,188 | 6.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,175 | 5.97% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $3,276 | 6.23% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $0 | 6.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $3,500 | 7.16% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $1,124 | 6.72% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $4,094 | 6.56% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 6.55% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,327 | 6.66% |
| AMES, IA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $1,888 | 6.33% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $7,291 | 6.28% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,170 | 6.61% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $671 | 6.58% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $0 | 6.48% |
| MONROE, LA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $458 | 6.07% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $1,155 | 6.60% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $9,690 | 5.88% |
| Fernley, NV (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $8,444 | 6.43% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,180 | 6.36% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $832 | 6.26% |
| Corning, NY (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,331 | 6.51% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $2,398 | 6.29% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $6,745 | 6.38% |
| ROME, GA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,275 | 6.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,548 | 6.06% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,444 | 6.25% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $7,782 | 5.99% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $2,590 | 6.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $7,386 | 6.18% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $25 | 6.14% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,861 | 6.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $284 | 5.88% |
| Ruston, LA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 5.63% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,047 | 6.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,692 | 6.43% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $0 | 6.61% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $7,450 | 6.79% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,550 | 6.17% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,768 | 6.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $1,078 | 6.84% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $137 | 5.96% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,321 | 6.39% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $1,773 | 5.99% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $2,151 | 6.98% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $5,035 | 6.95% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $6,552 | 6.60% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,561 | 6.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,287 | 6.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,403 | 6.81% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,752 | 6.45% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,475 | 6.39% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,906 | 5.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $1,440 | 5.99% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $1,582 | 6.08% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $510 | 6.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $39 | 6.98% |
| Sterling, IL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,055 | 6.31% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $363 | 5.91% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,432 | 7.08% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $1,608 | 5.99% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $1,973 | 6.05% |
| MERCED, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $1,918 | 5.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,721 | 5.71% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,148 | 6.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,747 | 6.56% |
| Newport, OR (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $7,142 | 6.50% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,360 | 6.55% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $17,449 | 5.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $9,160 | 5.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,058 | 7.10% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 6.90% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,501 | 6.31% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,493 | 6.38% |
| Rock Springs, WY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $288 | 6.55% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 6.75% |
| CHARLESTON, WV (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $0 | 7.21% |
| Heber, UT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,858 | 5.99% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 5.99% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,089 | 6.11% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,606 | 6.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,293 | 6.28% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4 | 5.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 6.55% |
| DOVER, DE (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 6.48% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $858 | 6.91% |
| Helena, MT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,550 | 6.40% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 5.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,354 | 6.65% |
| DALTON, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,377 | 6.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,471 | 6.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,957 | 6.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.95% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,876 | 6.58% |
| Boone, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 7.75% |
| MONROE, MI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,080 | 5.50% |
| Angola, IN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,447 | 6.88% |
| RENO, NV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,326 | 5.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,644 | 7.03% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 5.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,460 | 6.81% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,009 | 5.75% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 6.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,197 | 6.40% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $871 | 6.60% |
| Hays, KS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 5.99% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $995 | 6.38% |
| Marietta, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $348 | 6.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,833 | 7.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,008 | 5.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $605 | 6.13% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,482 | 6.60% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,784 | 5.65% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,718 | 6.75% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,531 | 5.60% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,092 | 6.46% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,607 | 5.60% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,750 | 5.68% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,038 | 6.63% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $17,603 | 6.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,696 | 6.63% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,563 | 6.95% |
| Danville, VA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,010 | 5.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $175 | 5.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $20,785 | 5.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $607 | 7.25% |
| Salina, KS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,537 | 6.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 7.05% |
| Warren, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,273 | 5.99% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $143 | 6.58% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $134 | 6.08% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.58% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $780 | 5.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $450 | 6.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,826 | 6.13% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,181 | 5.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.63% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,335 | 6.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,908 | 6.58% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,482 | 6.43% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $792 | 5.99% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.60% |
| Mason City, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,215 | 5.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,139 | 6.88% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.85% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,238 | 6.53% |
| Paris, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,541 | 6.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,803 | 6.40% |
| Pella, IA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.10% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $225 | 6.13% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,402 | 6.58% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $962 | 7.63% |
| Henderson, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,151 | 5.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $750 | 5.85% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,800 | 6.48% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,050 | 7.13% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $895 | 6.50% |
| Emporia, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,457 | 5.99% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.83% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,725 | 6.25% |
| Picayune, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,801 | 7.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,321 | 6.50% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.58% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,600 | 8.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $715 | 6.38% |
| Hastings, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,488 | 6.25% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $495 | 6.93% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,616 | 6.70% |
| Camden, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,250 | 5.88% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $525 | 6.38% |
| Marion, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $165 | 7.13% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $495 | 6.90% |
| Corinth, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,635 | 6.99% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,590 | 5.99% |
| Keene, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $175 | 5.38% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.10% |
| Grenada, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $100 | 6.88% |
| Searcy, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.10% |
| Athens, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,133 | 6.75% |
| London, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,725 | 6.00% |
| READING, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,108 | 7.43% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,320 | 6.98% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $493 | 6.50% |
| Bedford, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $350 | 6.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.55% |
| Garden City, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.38% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,166 | 5.38% |
| Worthington, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.20% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,104 | 6.63% |
| Kinston, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,546 | 6.63% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,762 | 6.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,019 | 6.13% |
| Lexington, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.50% |
| Greenville, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,042 | 6.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $899 | 6.98% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,650 | 5.88% |
| Effingham, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $749 | 6.80% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $400 | 6.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,602 | 6.38% |
| Marshall, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.78% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $157 | 5.75% |
| Rockport, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,911 | 6.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $101 | 7.08% |
| Roswell, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,148 | 7.13% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $690 | 7.63% |
| McPherson, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,066 | 6.55% |
| Macomb, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $429 | 6.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,765 | 6.63% |
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Product Mix
For 2024, Premia Mortgage's most frequently originated type of loan was Conventional, with 1,521 originations. Their 2nd most popular type was VA, with 229 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,869 | $835,725,000 | $447,151 | $3,387 | 6.35% |
| Refi | 18 | $9,520,000 | $528,889 | $3,868 | 5.75% |
For 2024, Premia Mortgage's most frequently cited loan purpose was Home Purchase, with 1,869 originations. The 2nd most popular reason was Refi, with 18 originations.
Loan Duration/Length
For 2024, Premia Mortgage's most frequently cited loan duration was 30 Year, with 1,733 originations. The 2nd most popular length was 15 Year, with 109 originations.
Origination Fees/Closing Costs
Premia Mortgage's average total fees were $3,502, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,478 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,212 | $537,430,000 | $443,424 |
| 5-6% | 507 | $246,955,000 | $487,091 |
| 7-8% | 141 | $48,215,000 | $341,950 |
| 4-5% | 26 | $12,350,000 | $475,000 |
| Over 8% | 1 | $295,000 | $295,000 |
During 2024, Premia Mortgage's average interest rate for loans was 6.40%, while their most frequently originated rate bucket for loans was 6-7%, with 1,212 originations.
Loan Sizing
2024 saw Premia Mortgage place emphasis on $200k-400k loans with 802 originations, totaling $249,270,000 in origination value.
Applicant Income
Premia Mortgage lent most frequently to those with incomes in the $150k-250k range, with 801 originations. The second most popular income band? $100k-150k, with 585 originations.
Applicant Debt to Income Ratio
Premia Mortgage lent most frequently to those with DTI ratios of 30-36%, with 388 originations. The next most common DTI ratio? 20-30%, with 335 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.32%
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 origination81.29%
Premia Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,887 | $845,245,000 | $447,931 |