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Premia Mortgage, LLC DBA Premia Relocation Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Premia Mortgage, LLC DBA Premia Relocation Mortgage — 1.9k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 45 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 10.00 basis points below market average
  • Lower than average lender fees
  • Particularly strong in Conventional and FHA and VA loans
  • Nationwide availability with consistent service

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Report Card

Premia Mortgage, LLC DBA Premia Relocation Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 10.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 46 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,474
Mix78.8%
Spread
-0.048%Below
Fees
$851Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume133
Mix7.1%
Spread
+0.234%Above
Fees
$736Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume224
Mix12.0%
Spread
-0.718%Below
Fees
$917Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume40
Mix2.1%
Spread
-0.028%Below
Fees
$811Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,858
Mix99.3%
Spread
-0.099%Below
Fees
$857Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume13
Mix0.7%
Spread
-0.178%Below
Fees
$167Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,871
Applications
2,289
Volume
$840 million
Pricing & Closing
Avg Rate Spread
-0.100%
vs. market APOR
Avg Net Fees
$849
Origination − Credits
Pullthrough Rate
81.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$449,009
Avg Borrower Income
$187,572
Avg Property Value
$603,846

Geographic Coverage

Geographic Performance

Metro Areas
45
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

49
49 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 123Mix 6.57% of portfolio
65/100
Strong
2© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 66Mix 3.53% of portfolio
61/100
Strong
3© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 60Mix 3.21% of portfolio
60/100
Sound
4© Quintin Soloviev · CC BY 4.0
Midland, TXMetro
Volume 25Mix 1.34% of portfolio
57/100
Sound
5© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 45Mix 2.41% of portfolio
53/100
Sound
6© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 34Mix 1.82% of portfolio
53/100
Sound
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 32Mix 1.71% of portfolio
52/100
Sound
8© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 34Mix 1.82% of portfolio
52/100
Sound
9© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 29Mix 1.55% of portfolio
52/100
Sound
10© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 24Mix 1.28% of portfolio
52/100
Sound
Showing 10 of 45 metro areas

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 324Mix 17.32% of portfolio
69/100
Strong
North Carolina
North Carolina
2
North CarolinaState
Volume 122Mix 6.52% of portfolio
60/100
Strong
Georgia
Georgia
3
GeorgiaState
Volume 102Mix 5.45% of portfolio
60/100
Sound
Tennessee
Tennessee
4
TennesseeState
Volume 84Mix 4.49% of portfolio
59/100
Sound
Missouri
Missouri
5
MissouriState
Volume 75Mix 4.01% of portfolio
57/100
Sound
South Carolina
South Carolina
6
South CarolinaState
Volume 56Mix 2.99% of portfolio
56/100
Sound
Michigan
Michigan
7
MichiganState
Volume 75Mix 4.01% of portfolio
56/100
Sound
Florida
Florida
8
FloridaState
Volume 114Mix 6.09% of portfolio
56/100
Sound
Virginia
Virginia
9
VirginiaState
Volume 58Mix 3.10% of portfolio
55/100
Sound
Washington
Washington
10
WashingtonState
Volume 42Mix 2.24% of portfolio
52/100
Sound
Showing 10 of 40 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.