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Premia Mortgage, LLC DBA Premia Relocation Mortgage
Independent Mortgage Company•Wilmington, DE•Direct to Consumer
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 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
National · 45 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
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Safe Rate's 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
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 10.0 bps below market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Near industry average Bottom 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National46 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,474 | 78.8% | -0.048%Below | $851Fees | ||||
FHA Loans | 133 | 7.1% | +0.234%Above | $736Fees | ||||
VA Loans | 224 | 12.0% | -0.718%Below | $917Fees | ||||
Jumbo Loans | 40 | 2.1% | -0.028%Below | $811Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,858 | 99.3% | -0.099%Below | $857Fees | ||||
Refinance | — | 13 | 0.7% | -0.178%Below | $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
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 123Mix: 6.57%of portfolio
Place
Strong2
St. Louis, MO, MO-ILMSA
Volume: 66Mix: 3.53%of portfolio
Place
Strong3
Charlotte, NC-SCMSA
Volume: 60Mix: 3.21%of portfolio
Place
Sound4
Midland, TX, TXMSA
Volume: 25Mix: 1.34%of portfolio
Place
Sound5
Dallas, TXMSA
Volume: 45Mix: 2.41%of portfolio
Place
Sound6
Nashville, TNMSA
Volume: 34Mix: 1.82%of portfolio
Place
Sound7
Fort Worth, TXMSA
Volume: 32Mix: 1.71%of portfolio
Place
Sound8
Warren, MIMSA
Volume: 34Mix: 1.82%of portfolio
Place
Sound9
Raleigh, NCMSA
Volume: 29Mix: 1.55%of portfolio
Place
Sound10
Charleston, SCMSA
Volume: 24Mix: 1.28%of portfolio
Place
SoundShowing 10 of 45 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 324Mix: 17.32%of portfolio
Place
Strong2
NCState
Volume: 122Mix: 6.52%of portfolio
Place
Strong3
GAState
Volume: 102Mix: 5.45%of portfolio
Place
Sound4
TNState
Volume: 84Mix: 4.49%of portfolio
Place
Sound5
MOState
Volume: 75Mix: 4.01%of portfolio
Place
Sound6
SCState
Volume: 56Mix: 2.99%of portfolio
Place
Sound7
MIState
Volume: 75Mix: 4.01%of portfolio
Place
Sound8
FLState
Volume: 114Mix: 6.09%of portfolio
Place
Sound9
VAState
Volume: 58Mix: 3.10%of portfolio
Place
Sound10
WAState
Volume: 42Mix: 2.24%of portfolio
Place
SoundShowing 10 of 40 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.