# PREMIUM MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/premium-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PREMIUM MORTGAGE CORPORATION is a independent mortgage company, headquartered in ROCHESTER, NY, serving borrowers across 10 states, with 4,553 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900XN7UWEWK13RO81
- **Headquarters:** ROCHESTER, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AL, CT, FL, NJ, NY, OH, PA, SC, TN, VT
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.261%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,249
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,553
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 5,094
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $250,133
- **Average Borrower Income:** $123,106
- **Average Property Value:** $310,961

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (83%)
- 💎 **FHA Diamond Champion** (83%)
- 💎 **Purchase Diamond Champion** (83%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 88/100 | 3,732 | +0.245% | $1,375 | Exceptional 🤩 |
| FHA | 83/100 | 586 | +0.485% | $717 | Exceptional 🤩 |
| VA | 80/100 | 197 | -0.168% | $392 | Strong 😀 |
| USDA | 82/100 | 35 | +0.266% | $529 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,643 loans, Score: 89/100 (Exceptional)
- Refinance: 89 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 573 loans, Score: 84/100 (Exceptional)

**VA:**
- Purchase: 194 loans, Score: 80/100 (Exceptional)

**USDA:**
- Purchase: 35 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 4,447 | $1.1B | +0.262% | Exceptional 🤩 |
| Refinance | 64/100 | 106 | $25M | +0.205% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 4,446 | 3.92% | 100/100 |
| FL | 78 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 2,271 | 100/100 |
| Buffalo | NY | 1,327 | 100/100 |
| Non |  | 395 | 66/100 |
| Albany | NY | 218 | 73/100 |
| Syracuse, NY | NY | 71 | 63/100 |
| Utica | NY | 71 | 75/100 |
| Binghamton, NY | NY | 54 | 67/100 |
| North Port | FL | 20 | 47/100 |
| Cape Coral | FL | 15 | 43/100 |
| Glens Falls, NY | NY | 14 | 46/100 |
| Kingston, NY | NY | 14 | 46/100 |
| Punta Gorda, FL | FL | 12 | 43/100 |

## Where This Lender Ranks

PREMIUM MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in New York for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in New York for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in New York for FHA Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in New York for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in New York for USDA Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in New York for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Rochester, NY
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders)
- 🥇 **#1** in Rochester, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Rochester, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Rochester, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Rochester, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Rochester, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Rochester, NY for USDA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Rochester, NY for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Buffalo
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders)
- 🥇 **#1** in Buffalo Mortgage Companies
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Buffalo for Conventional Loans
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PREMIUM MORTGAGE CORPORATION offer?

PREMIUM MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PREMIUM MORTGAGE CORPORATION offer mortgages?

PREMIUM MORTGAGE CORPORATION offers mortgages in 10 states: AL, CT, FL, NJ, NY, OH, PA, SC, TN, VT.

### How competitive are PREMIUM MORTGAGE CORPORATION's mortgage rates?

PREMIUM MORTGAGE CORPORATION has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.261% above market average.

### What type of lender is PREMIUM MORTGAGE CORPORATION?

PREMIUM MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in ROCHESTER, NY.

### What is PREMIUM MORTGAGE CORPORATION's loan approval success rate?

PREMIUM MORTGAGE CORPORATION has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/premium-mortgage

### How to Cite

> "PREMIUM MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/premium-mortgage

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