Premia Mortgage Rates, Fees & Info
DOVER, DELEI: 549300ISCZS1R0CJMO47
Tax ID: 26-3780954
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Mortgage Data
Overview
Premia Mortgage is a smaller mortgage company specializing in Home Purchase loans. Premia Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Houston, Charlotte, Warren, Atlanta, and Dallas among others. They have an average approval rate for mortages when compared nationally -- and they have an average pick rate when compared to the same sample of other lendors. Premia Mortgage is typically an average fee lendor.Originations
2,869Origination Dollar Volume (All Markets)
$996,985,000Awards
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PREMIA MORTGAGE - 2020
PREMIA MORTGAGE is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Relative Rate
Premia Mortgage 's average 30 year fixed rate mortgage of loans were
2.99%.
The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.
This yields a difference of -0.37%.
Relative Fees
Premia Mortgage 's average total fees for a 30 year fixed rate
mortgage are $4,100.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 193 | $66,195,000 | $342,979 | $4,524 | 2.84% |
| Outside of Metro Areas | 233 | $61,065,000 | $262,082 | $3,816 | 3.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 98 | $33,740,000 | $344,286 | $2,692 | 2.97% |
| WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) | 113 | $33,095,000 | $292,876 | $3,165 | 3.06% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 86 | $30,940,000 | $359,767 | $3,311 | 2.93% |
| DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) | 65 | $25,315,000 | $389,462 | $4,677 | 2.85% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) | 48 | $24,070,000 | $501,458 | $7,602 | 2.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 77 | $23,405,000 | $303,961 | $3,448 | 2.84% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 48 | $17,450,000 | $363,542 | $4,315 | 2.95% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) | 42 | $16,790,000 | $399,762 | $4,554 | 2.82% |
| NEWARK, NJ-PA (FHA|USDA|VA) | 35 | $16,335,000 | $466,714 | $4,363 | 2.86% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 39 | $16,025,000 | $410,897 | $2,745 | 2.77% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 40 | $15,140,000 | $378,500 | $4,259 | 2.93% |
| OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) | 22 | $14,620,000 | $664,545 | $4,581 | 3.07% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 40 | $14,350,000 | $358,750 | $3,431 | 3.07% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 40 | $13,950,000 | $348,750 | $3,246 | 2.92% |
| NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) | 29 | $13,755,000 | $474,310 | $4,358 | 2.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 36 | $12,900,000 | $358,333 | $3,687 | 2.92% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 38 | $12,770,000 | $336,053 | $1,969 | 2.95% |
| CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) | 41 | $12,575,000 | $306,707 | $4,049 | 2.87% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) | 32 | $12,290,000 | $384,063 | $2,965 | 2.87% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 32 | $12,150,000 | $379,688 | $4,181 | 3.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 26 | $11,610,000 | $446,538 | $4,267 | 2.79% |
| TUCSON, AZ (FHA|USDA|VA) | 34 | $10,860,000 | $319,412 | $4,742 | 2.86% |
| ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) | 18 | $10,800,000 | $600,000 | $4,586 | 2.76% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) | 17 | $10,325,000 | $607,353 | $7,099 | 3.19% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 35 | $9,915,000 | $283,286 | $3,231 | 2.98% |
| SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) | 17 | $9,675,000 | $569,118 | $4,506 | 2.93% |
| BOSTON, MA (FHA|USDA|VA) | 16 | $9,510,000 | $594,375 | $4,548 | 2.87% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 25 | $8,835,000 | $353,400 | $4,150 | 2.69% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 28 | $8,270,000 | $295,357 | $3,862 | 2.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 26 | $8,120,000 | $312,308 | $3,343 | 3.05% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) | 22 | $7,590,000 | $345,000 | $3,577 | 2.76% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 13 | $7,395,000 | $568,846 | $4,841 | 3.00% |
| MIDLAND, TX (FHA|USDA|VA) | 19 | $7,195,000 | $378,684 | $3,837 | 3.07% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 20 | $7,020,000 | $351,000 | $5,669 | 2.94% |
| DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) | 24 | $6,910,000 | $287,917 | $2,996 | 3.09% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) | 18 | $6,530,000 | $362,778 | $5,414 | 2.91% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) | 5 | $6,255,000 | $1,251,000 | $6,037 | 3.13% |
| RICHMOND, VA (FHA|USDA|VA) | 18 | $6,230,000 | $346,111 | $4,607 | 2.92% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 17 | $6,195,000 | $364,412 | $4,395 | 2.92% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) | 13 | $6,025,000 | $463,462 | $5,509 | 2.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 21 | $5,995,000 | $285,476 | $4,714 | 2.87% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) | 13 | $5,895,000 | $453,462 | $5,577 | 2.87% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 15 | $5,745,000 | $383,000 | $3,780 | 3.08% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 19 | $5,585,000 | $293,947 | $1,826 | 2.85% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 15 | $5,525,000 | $368,333 | $3,480 | 2.85% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 15 | $5,455,000 | $363,667 | $3,097 | 2.78% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $5,450,000 | $302,778 | $4,313 | 2.87% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 15 | $5,445,000 | $363,000 | $4,236 | 2.81% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) | 12 | $5,300,000 | $441,667 | $5,974 | 2.92% |
| PHILADELPHIA, PA (FHA|USDA|VA) | 10 | $5,210,000 | $521,000 | $6,484 | 3.16% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 15 | $5,035,000 | $335,667 | $3,275 | 3.08% |
| ANCHORAGE, AK (FHA|USDA|VA) | 11 | $4,925,000 | $447,727 | $1,923 | 2.94% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 21 | $4,885,000 | $232,619 | $2,227 | 3.01% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $4,620,000 | $330,000 | $4,108 | 2.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $4,540,000 | $454,000 | $2,572 | 2.86% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 14 | $4,540,000 | $324,286 | $2,313 | 2.71% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $4,445,000 | $404,091 | $4,247 | 2.99% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 10 | $4,340,000 | $434,000 | $5,415 | 2.71% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 12 | $4,260,000 | $355,000 | $3,484 | 2.58% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $2,239 | 2.90% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $4,110,000 | $411,000 | $5,624 | 2.59% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 14 | $4,020,000 | $287,143 | $3,886 | 2.82% |
| KNOXVILLE, TN (FHA|USDA|VA) | 12 | $3,980,000 | $331,667 | $2,451 | 3.21% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $3,955,000 | $439,444 | $5,201 | 2.83% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $3,890,000 | $277,857 | $4,652 | 3.06% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) | 10 | $3,730,000 | $373,000 | $3,737 | 2.78% |
| ELGIN, IL (FHA|USDA|VA) | 11 | $3,625,000 | $329,545 | $5,189 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $3,605,000 | $327,727 | $3,178 | 2.89% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $3,560,000 | $356,000 | $3,174 | 2.84% |
| SAVANNAH, GA (FHA|USDA|VA) | 14 | $3,350,000 | $239,286 | $4,861 | 3.04% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 10 | $3,240,000 | $324,000 | $2,664 | 3.02% |
| TACOMA-LAKEWOOD, WA (FHA|USDA|VA) | 8 | $3,180,000 | $397,500 | $4,820 | 3.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $3,115,000 | $445,000 | $7,332 | 2.89% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 11 | $3,065,000 | $278,636 | $3,973 | 2.84% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $2,935,000 | $326,111 | $3,402 | 3.40% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $2,845,000 | $258,636 | $4,154 | 3.03% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $2,820,000 | $352,500 | $2,361 | 2.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $2,760,000 | $1,380,000 | $2,782 | 2.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $4,159 | 2.89% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 8 | $2,590,000 | $323,750 | $1,505 | 2.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $2,555,000 | $365,000 | $3,375 | 3.53% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $3,367 | 2.83% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $1,510 | 2.83% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $4,842 | 3.08% |
| WILMINGTON, DE-MD-NJ (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $3,789 | 2.91% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $10,526 | 2.79% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $4,315 | 2.75% |
| TULSA, OK (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $3,048 | 2.67% |
| WICHITA, KS (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $2,388 | 2.84% |
| LANCASTER, PA (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $4,092 | 3.12% |
| GARY, IN (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $3,568 | 3.16% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $3,997 | 2.80% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $8,436 | 3.15% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $3,207 | 3.11% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $3,412 | 3.19% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $7,711 | 3.37% |
| FORT WAYNE, IN (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $1,420 | 3.03% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,885,000 | $628,333 | $2,314 | 3.04% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $2,480 | 2.73% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $5,157 | 2.28% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $3,318 | 2.93% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $3,910 | 2.98% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $3,691 | 2.79% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $4,132 | 3.16% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $1,819 | 3.16% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $4,499 | 3.53% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $5,176 | 3.05% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $2,305 | 2.93% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $1,367 | 2.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $5,659 | 3.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $3,365 | 3.23% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $2,746 | 3.15% |
| NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $3,648 | 3.37% |
| BILLINGS, MT (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $5,439 | 2.58% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $7,276 | 3.03% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,345 | 2.70% |
| JONESBORO, AR (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $1,169 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,392 | 2.66% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $5,933 | 2.72% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $4,185 | 3.06% |
| FLINT, MI (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $4,465 | 3.23% |
| LONGVIEW, TX (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $2,787 | 3.28% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $3,850 | 2.56% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $4,387 | 3.20% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $4,932 | 3.42% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $2,221 | 2.33% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $4,473 | 3.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $4,527 | 3.04% |
| CAMDEN, NJ (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $1,863 | 3.10% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $2,665 | 2.72% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $6,581 | 3.04% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $3,020 | 2.48% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $3,837 | 3.54% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $3,893 | 2.50% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,994 | 2.54% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $3,945 | 2.75% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,122 | 3.28% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $1,894 | 3.04% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $1,802 | 2.94% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,618 | 2.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $9,503 | 2.69% |
| BISMARCK, ND (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $5,106 | 3.13% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $189 | 2.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $4,685 | 2.54% |
| AKRON, OH (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,772 | 2.75% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $2,348 | 2.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,672 | 2.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $5,149 | 2.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $3,080 | 2.54% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,642 | 3.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $3,666 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $1,049 | 2.69% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $4,199 | 3.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $2,654 | 3.21% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $7,194 | 2.71% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,805 | 3.29% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $12,073 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,456 | 3.25% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,860 | 3.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,817 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,170 | 2.71% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $368 | 1.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $2,107 | 2.31% |
| MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $7,105 | 2.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,756 | 3.08% |
| NAPA, CA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $12,307 | 2.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,057 | 2.54% |
| ELMIRA, NY (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,052 | 3.50% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,182 | 3.41% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,110 | 3.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,139 | 2.58% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,703 | 3.29% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,280 | 3.25% |
| MADERA, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,346 | 2.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,162 | 2.92% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,667 | 2.71% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,114 | 2.56% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $1,088 | 2.56% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $1,936 | 2.96% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,129 | 2.81% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,382 | 3.13% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,436 | 3.19% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $1,222 | 3.00% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,895 | 3.12% |
| SALEM, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,668 | 3.25% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $23,131 | 3.75% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,689 | 2.94% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,041 | 3.13% |
| RACINE, WI (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $1,463 | 2.69% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,062 | 2.44% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,008 | 2.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,396 | 3.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,546 | 2.75% |
| NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,537 | 2.69% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,110 | 2.63% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,575 | 2.81% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,705 | 3.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,506 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,959 | 3.04% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $888 | 2.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,283 | 3.12% |
| DUBUQUE, IA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,011 | 3.00% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,111 | 2.88% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,495 | 2.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,467 | 3.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,579 | 2.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,528 | 3.38% |
| LIMA, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $323 | 2.81% |
| DOVER, DE (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,744 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,349 | 2.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,464 | 2.75% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,744 | 3.56% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,014 | 2.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,434 | 2.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,327 | 3.25% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $785 | 3.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,854 | 2.81% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,965 | 3.25% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,647 | 4.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,012 | 2.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,233 | 3.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,664 | 3.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,562 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,925 | 3.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,990 | 2.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $185 | 2.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,326 | 3.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,740 | 2.25% |
| RENO, NV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,538 | 3.25% |
| AMES, IA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,279 | 2.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,197 | 3.31% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,336 | 2.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,711 | 2.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,437 | 3.25% |
| MONROE, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,278 | 2.31% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,101 | 2.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,596 | 3.38% |
| ENID, OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,327 | 2.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,232 | 2.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,564 | 3.81% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,457 | 2.94% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,510 | 3.19% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,271 | 3.31% |
| MONROE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,329 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,970 | 2.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,178 | 3.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $535 | 2.63% |
| READING, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,332 | 2.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,620 | 2.00% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,216 | 2.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 2.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,733 | 3.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,597 | 2.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,264 | 3.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,831 | 3.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,733 | 2.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,226 | 3.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,299 | 2.50% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,114 | 3.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,442 | 2.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,293 | 2.50% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 2.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,888 | 2.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $65 | 2.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,617 | 3.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,795 | 3.38% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,726 | 3.63% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,135 | 3.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 2.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,842 | 2.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,282 | 2.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $25 | 2.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,596 | 3.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,346 | 2.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,861 | 2.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,373 | 3.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,578 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,823 | 2.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,547 | 3.50% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,321 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,066 | 3.00% |
Premia Mortgage 's top markets include Houston, Charlotte, Warren, Atlanta, and Dallas among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,479 | $860,235,000 | $347,009 | $3,339 | 2.92% |
| VA | 231 | $94,615,000 | $409,589 | $7,493 | 2.85% |
| FHA | 159 | $42,135,000 | $265,000 | $8,019 | 3.23% |
For the 2020 period, Premia Mortgage 's most frequently originated loan type of loans were Conventional, with 2,479 originations. Their 2nd most popular type is VA, with 231 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 2,477 | $872,805,000 | $352,364 | $3,926 | 2.93% |
| Refi | 349 | $111,795,000 | $320,330 | $3,941 | 2.91% |
| Cash Out Refi | 37 | $10,815,000 | $292,297 | $4,364 | 3.22% |
| Home Improvement | 6 | $1,570,000 | $261,667 | $4,791 | 3.31% |
For the 2020, Premia Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,477 originations. The 2nd most popular reason of loans were Refi, with 349 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,442 | $876,910,000 | $359,095 | $4,100 | 2.99% |
| 15 Year | 394 | $110,750,000 | $281,091 | $2,989 | 2.52% |
| 20 Year | 18 | $5,650,000 | $313,889 | $2,692 | 3.05% |
| 10 Year | 12 | $2,440,000 | $203,333 | $2,829 | 2.58% |
| Other | 3 | $1,235,000 | $411,667 | $5,359 | 2.83% |
For the 2020, Premia Mortgage 's most frequently cited loan length of loans were 30 Year, with 2,442 originations. The 2nd most popular length of loans were 15 Year, with 394 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,798 | $640,800,000 | $356,396 |
| $1k-2k | 480 | $149,690,000 | $311,854 |
| $3k-4k | 236 | $79,990,000 | $338,941 |
| $2k-3k | 199 | $53,115,000 | $266,910 |
| $5k+ | 147 | $71,315,000 | $485,136 |
$4,100 of loans were Premia Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,798 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,137 | $400,385,000 | $352,142 |
| 3-4% | 992 | $345,380,000 | $348,165 |
| <2.5% | 684 | $233,910,000 | $341,974 |
| 4-5% | 54 | $16,610,000 | $307,593 |
| 5-6% | 2 | $700,000 | $350,000 |
During 2020, Premia Mortgage 's average interest rate of loans were 2.99%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,137 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,627 | $486,555,000 | $299,050 | $3,729 | 2.94% |
| $400k-600k | 724 | $341,420,000 | $471,575 | $4,419 | 2.86% |
| $100k-200k | 344 | $55,070,000 | $160,087 | $3,034 | 2.94% |
| $600k-1MM | 139 | $97,195,000 | $699,245 | $5,985 | 3.03% |
| $100,000 or less | 25 | $1,965,000 | $78,600 | $2,950 | 3.32% |
| $1MM+ | 10 | $14,780,000 | $1,478,000 | $6,859 | 3.35% |
2020 saw Premia Mortgage place emphasis on $200k-400k loans with 1,627 originations, totaling $486,555,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 1,098 | $357,910,000 | $325,965 | $3,805 | 2.93% |
| $150k-250k | 913 | $373,055,000 | $408,604 | $4,125 | 2.85% |
| $75k-100k | 487 | $128,605,000 | $264,076 | $3,743 | 3.01% |
| $50k-75k | 175 | $38,205,000 | $218,314 | $3,929 | 3.04% |
| $250k+ | 174 | $95,660,000 | $549,770 | $4,209 | 2.92% |
| $50k or less | 22 | $3,550,000 | $161,364 | $4,743 | 3.06% |
Premia Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,098 originations. The second most popular income band? $150k-250k, with 913 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 847 | $293,475,000 | $346,488 | $3,602 | 2.88% |
| 30-36% | 604 | $221,040,000 | $365,960 | $3,685 | 2.89% |
| <20% | 340 | $93,750,000 | $275,735 | $3,072 | 2.78% |
| 50-60% | 90 | $32,920,000 | $365,778 | $7,900 | 3.13% |
| 42% | 89 | $32,905,000 | $369,719 | $4,304 | 3.00% |
| 37% | 88 | $33,950,000 | $385,795 | $4,454 | 3.01% |
| 43% | 87 | $30,035,000 | $345,230 | $4,559 | 3.02% |
| 36% | 86 | $31,300,000 | $363,953 | $3,983 | 2.95% |
| 41% | 81 | $27,685,000 | $341,790 | $4,012 | 3.04% |
| 44% | 81 | $29,305,000 | $361,790 | $3,932 | 3.13% |
| 40% | 79 | $29,065,000 | $367,911 | $4,591 | 3.03% |
| 38% | 77 | $26,605,000 | $345,519 | $3,859 | 3.13% |
| 39% | 68 | $24,860,000 | $365,588 | $3,937 | 3.03% |
| 48% | 67 | $23,515,000 | $350,970 | $4,549 | 3.05% |
| 45% | 56 | $18,920,000 | $337,857 | $3,969 | 3.09% |
| 47% | 45 | $16,875,000 | $375,000 | $4,493 | 2.94% |
| 49% | 43 | $15,605,000 | $362,907 | $4,969 | 2.91% |
| 46% | 37 | $13,205,000 | $356,892 | $5,343 | 2.91% |
| >60% | 4 | $1,970,000 | $492,500 | $7,749 | 3.06% |
Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 847 originations. The next most common DTI ratio? 30-36%, with 604 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,845 | $622,975,000 | $337,656 | $3,796 | 2.95% |
| Not provided | 693 | $245,565,000 | $354,351 | $4,180 | 2.88% |
| Asian | 161 | $63,745,000 | $395,932 | $3,532 | 2.82% |
| Black | 122 | $44,040,000 | $360,984 | $4,805 | 3.03% |
| American Indian | 16 | $8,310,000 | $519,375 | $8,844 | 3.00% |
| Asian Indian | 19 | $6,285,000 | $330,789 | $2,609 | 2.71% |
| Other Asian | 4 | $2,580,000 | $645,000 | $3,960 | 3.41% |
| Chinese | 5 | $1,875,000 | $375,000 | $2,171 | 2.68% |
| Native Hawaiian | 2 | $830,000 | $415,000 | $6,991 | 2.38% |
| Vietnamese | 1 | $515,000 | $515,000 | $500 | 1.88% |
| Korean | 1 | $265,000 | $265,000 | $705 | 3.25% |
Approval Rates
Total approvals of all applications86.41%
Premia Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination90.99%
Premia Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,869 | $996,985,000 | $347,503 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 2 | $500,000 | $250,000 |
| Single Family (1-4 Units):Site-Built | 2,867 | $996,485,000 | $347,571 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 84 | $18,500,000 | $220,238 | $3,078 | 2.68% |
| 40-60% | 227 | $72,005,000 | $317,203 | $3,215 | 2.70% |
| 60-80% | 1,040 | $376,020,000 | $361,558 | $3,483 | 2.90% |
| 80-100% | 1,469 | $511,645,000 | $348,295 | $4,060 | 3.00% |
| Over 100% | 44 | $18,300,000 | $415,909 | $15,892 | 2.90% |
| Under 20% | 5 | $515,000 | $103,000 | $2,339 | 2.65% |