Premia Mortgage Rates, Fees & Info
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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: Detroit, Houston, Dallas, Charlotte, and Philadelphia among others. We have data for 292 markets. (Some data included below & more in-depth data is available with an active subscription.)Premia Mortgage has an average approval rate when compared to the average across all lenders. They have an 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% | 4/22/24 |
| 30 Year Conventional Refi | 6.53% | 4/22/24 |
| 30 Year Cash-out Refi | 6.91% | 4/22/24 |
| 30 Year FHA Purchase | 7.10% | 4/22/24 |
| 30 Year VA Purchase | 5.79% | 4/22/24 |
| 15 Year Conventional Purchase | 5.47% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,561Origination Dollar Volume (All Markets)
$484,435,000Awards
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PREMIA MORTGAGE - 2018
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For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 90 | $26,790,000 | $297,667 | $2,774 | 4.46% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 71 | $20,995,000 | $295,704 | $4,414 | 4.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 56 | $19,010,000 | $339,464 | $3,633 | 4.30% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 49 | $15,665,000 | $319,694 | $3,560 | 4.44% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 44 | $15,560,000 | $353,636 | $5,083 | 4.12% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 45 | $14,745,000 | $327,667 | $4,390 | 4.31% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 36 | $14,520,000 | $403,333 | $5,204 | 4.31% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 50 | $12,600,000 | $252,000 | $5,224 | 4.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 35 | $11,555,000 | $330,143 | $4,325 | 4.30% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 25 | $11,295,000 | $451,800 | $4,356 | 4.34% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $11,245,000 | $288,333 | $2,549 | 4.35% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 22 | $9,550,000 | $434,091 | $7,473 | 4.27% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 28 | $9,100,000 | $325,000 | $1,986 | 4.39% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $7,835,000 | $373,095 | $4,038 | 4.38% |
| TUCSON, AZ (FHA|USDA|VA) | 27 | $7,705,000 | $285,370 | $4,810 | 4.31% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $7,660,000 | $766,000 | $5,844 | 4.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 16 | $7,240,000 | $452,500 | $5,783 | 4.41% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 14 | $6,600,000 | $471,429 | $3,088 | 4.22% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $6,000,000 | $333,333 | $3,908 | 4.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $5,535,000 | $425,769 | $5,725 | 4.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $5,175,000 | $470,455 | $4,144 | 4.39% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $5,150,000 | $367,857 | $2,936 | 4.49% |
| Outside of Metro Areas | 27 | $5,085,000 | $188,333 | $3,340 | 4.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $4,865,000 | $695,000 | $9,229 | 4.16% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 15 | $4,815,000 | $321,000 | $3,471 | 4.39% |
| RICHMOND, VA (FHA|USDA|VA) | 13 | $4,645,000 | $357,308 | $2,508 | 4.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 16 | $4,560,000 | $285,000 | $2,611 | 4.15% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 16 | $4,310,000 | $269,375 | $2,740 | 4.23% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $4,280,000 | $713,333 | $3,895 | 4.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $4,155,000 | $319,615 | $4,247 | 4.32% |
| MIDLAND, TX (FHA|USDA|VA) | 14 | $4,110,000 | $293,571 | $3,841 | 4.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 13 | $3,755,000 | $288,846 | $3,133 | 4.35% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $3,605,000 | $240,333 | $3,149 | 4.36% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 13 | $3,375,000 | $259,615 | $2,556 | 4.07% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $3,375,000 | $375,000 | $3,289 | 4.11% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $3,365,000 | $373,889 | $7,038 | 4.18% |
| LOUISVILLE, KY (FHA|USDA|VA) | 12 | $3,270,000 | $272,500 | $3,697 | 4.20% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 10 | $3,220,000 | $322,000 | $5,354 | 3.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $3,060,000 | $306,000 | $3,056 | 4.30% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $2,995,000 | $332,778 | $4,690 | 4.33% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $2,630,000 | $263,000 | $3,502 | 3.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $2,570,000 | $257,000 | $3,650 | 3.93% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,425,000 | $346,429 | $5,996 | 4.36% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $2,420,000 | $302,500 | $4,516 | 4.37% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 8 | $2,400,000 | $300,000 | $3,690 | 4.29% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $1,907 | 4.17% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $5,039 | 4.32% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $2,220,000 | $370,000 | $5,312 | 4.19% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $5,025 | 4.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $8,039 | 4.69% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $2,125,000 | $236,111 | $4,980 | 4.30% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $5,901 | 4.43% |
| TULSA, OK (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $4,981 | 3.83% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $2,435 | 4.31% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $3,944 | 4.29% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $3,539 | 4.25% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $2,944 | 4.48% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,890,000 | $472,500 | $7,396 | 4.09% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $5,411 | 3.87% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $3,121 | 4.55% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $3,189 | 4.55% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $2,060 | 4.13% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $5,097 | 4.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $2,472 | 4.23% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $3,142 | 4.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $3,743 | 4.20% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $3,561 | 4.30% |
| GREEN BAY, WI (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $2,504 | 4.47% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $4,724 | 4.33% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $4,020 | 4.40% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $5,321 | 4.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $0 | 4.42% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $2,817 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $9,905 | 4.16% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $2,555 | 4.14% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $1,567 | 4.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,883 | 4.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $3,620 | 4.16% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $3,709 | 3.67% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $2,939 | 4.25% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $2,391 | 4.62% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $1,316 | 4.03% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $2,421 | 4.34% |
| ROCHESTER, NY (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,436 | 4.27% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,675 | 4.69% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $5,292 | 4.34% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $4,429 | 3.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $3,004 | 4.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,786 | 4.09% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $4,227 | 4.44% |
| Corning, NY (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $3,771 | 4.50% |
| ELMIRA, NY (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,323 | 4.34% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $2,435 | 3.98% |
| MADISON, WI (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $1,488 | 4.54% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $5,573 | 4.44% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,303 | 4.29% |
| READING, PA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,856 | 3.94% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,357 | 4.33% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,044 | 4.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,008 | 4.33% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,012 | 4.19% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $2,597 | 4.22% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $7,221 | 4.42% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $2,147 | 4.56% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,572 | 4.56% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,776 | 4.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,243 | 4.19% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,137 | 4.56% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $1,876 | 4.94% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $3,250 | 4.34% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,232 | 4.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $6,057 | 4.54% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,204 | 4.88% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,180 | 4.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $9,032 | 4.63% |
| Ponca City, OK (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $8,291 | 3.96% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,791 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,215 | 5.13% |
| Plymouth, IN (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $1,235 | 4.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 4.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,046 | 3.71% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,399 | 4.13% |
| AKRON, OH (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,530 | 4.31% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $1,763 | 4.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 3.75% |
| Camden, AR (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 4.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,506 | 4.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,971 | 4.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,939 | 4.00% |
| Dickinson, ND (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,945 | 4.38% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,301 | 4.81% |
| Austin, MN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,058 | 4.06% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,477 | 4.25% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,568 | 4.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,226 | 4.31% |
| Roswell, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,864 | 4.56% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,077 | 4.56% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,003 | 4.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,628 | 4.69% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,531 | 4.25% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,022 | 4.63% |
| MONROE, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,576 | 4.44% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,674 | 4.75% |
| BISMARCK, ND (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,829 | 3.69% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,868 | 3.88% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,496 | 4.06% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,503 | 4.94% |
| Carroll, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,371 | 4.69% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,842 | 4.50% |
| London, KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 4.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,729 | 4.50% |
| Lewisburg, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,713 | 4.44% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,356 | 3.81% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,266 | 4.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,332 | 3.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,996 | 3.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,143 | 4.38% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,820 | 4.50% |
| Salina, KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,013 | 4.19% |
| BEND, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,099 | 5.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,126 | 3.25% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,255 | 4.63% |
| AMES, IA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $205 | 3.75% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,118 | 4.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,203 | 4.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 3.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,638 | 5.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,173 | 4.31% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,335 | 5.13% |
| Findlay, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,913 | 5.13% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,970 | 4.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,974 | 3.50% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,558 | 3.75% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,625 | 3.99% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,628 | 5.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,525 | 4.50% |
| Danville, KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,285 | 4.75% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,304 | 4.69% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,286 | 4.38% |
| Torrington, CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,734 | 3.88% |
| Keene, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,594 | 3.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.38% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,673 | 5.63% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,247 | 4.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,897 | 4.50% |
| Bay City, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,759 | 4.13% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,843 | 4.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,720 | 4.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,879 | 4.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,166 | 3.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,893 | 4.63% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,626 | 4.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,509 | 3.88% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,048 | 4.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,177 | 4.88% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,992 | 5.50% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,084 | 3.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,084 | 5.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,058 | 4.75% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $565 | 4.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,837 | 4.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,911 | 4.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,082 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,482 | 4.38% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,746 | 4.50% |
| Clinton, IA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 4.00% |
| Andrews, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.13% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,696 | 3.63% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,026 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,652 | 4.50% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,945 | 4.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,524 | 4.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,881 | 4.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,124 | 4.00% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,247 | 4.50% |
| Searcy, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,461 | 4.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,957 | 3.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,460 | 4.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,773 | 3.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,391 | 4.63% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,270 | 4.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,263 | 4.99% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,432 | 4.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,708 | 4.50% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,931 | 4.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,629 | 5.50% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,782 | 3.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,133 | 3.88% |
| Willmar, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,506 | 3.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,722 | 4.75% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.38% |
| Greenville, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $904 | 4.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,026 | 3.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,256 | 4.75% |
| Kinston, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,249 | 4.50% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,639 | 3.38% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,210 | 3.75% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,163 | 3.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,272 | 4.25% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,202 | 3.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,214 | 4.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,922 | 4.25% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,320 | 4.75% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,441 | 4.38% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,622 | 4.75% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,732 | 4.13% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,108 | 5.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,114 | 4.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,414 | 4.25% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,961 | 4.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,927 | 4.63% |
| Columbus, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,624 | 4.13% |
| Williston, ND (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,750 | 4.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,029 | 4.99% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,470 | 3.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,233 | 4.25% |
| Moberly, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,622 | 4.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,689 | 4.88% |
| DOVER, DE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,977 | 4.38% |
| Bradford, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,845 | 4.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,247 | 4.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,845 | 4.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,942 | 4.88% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,225 | 4.38% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,703 | 4.25% |
| Moscow, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,261 | 4.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.50% |
| Bedford, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,864 | 5.00% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,061 | 6.13% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,078 | 3.75% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,248 | 4.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,169 | 4.00% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,004 | 4.38% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,709 | 3.88% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,390 | 3.75% |
| Mason City, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,695 | 4.99% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,557 | 4.38% |
| Berlin, NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,711 | 4.13% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,575 | 5.88% |
| Borger, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,818 | 3.88% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.63% |
| FLINT, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.75% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,587 | 4.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,037 | 4.50% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,248 | 4.38% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,044 | 4.50% |
| Duncan, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,243 | 4.88% |
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Product Mix
For 2018, Premia Mortgage's most frequently originated type of loan was Conventional, with 1,321 originations. Their 2nd most popular type was VA, with 140 originations.
Loan Reason
For 2018, Premia Mortgage's most frequently cited loan purpose was Home Purchase, with 1,557 originations. The 2nd most popular reason was Cash Out Refi, with 3 originations.
Loan Duration/Length
For 2018, Premia Mortgage's most frequently cited loan duration was 30 Year, with 1,326 originations. The 2nd most popular length was 15 Year, with 208 originations.
Origination Fees/Closing Costs
Premia Mortgage's average total fees were $4,059, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 477 originations.
Interest Rates
During 2018, Premia Mortgage's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 947 originations.
Loan Sizing
2018 saw Premia Mortgage place emphasis on $200k-400k loans with 931 originations, totaling $269,165,000 in origination value.
Applicant Income
Premia Mortgage lent most frequently to those with incomes in the $100k-150k range, with 621 originations. The second most popular income band? $150k-250k, with 423 originations.
Applicant Debt to Income Ratio
Premia Mortgage lent most frequently to those with DTI ratios of 20-30%, with 391 originations. The next most common DTI ratio? 30-36%, with 303 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.73%
Premia Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination93.21%
Premia Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,561 | $484,435,000 | $310,336 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $655,000 | $218,333 |
| Single Family (1-4 Units):Site-Built | 1,558 | $483,780,000 | $310,513 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PREMIUM MORTGAGE CORP | VA mortgage | Closing on a mortgage | 1 | 100.0% |