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Premia Mortgage, LLC DBA Premia Relocation Mortgage
Independent Mortgage Company|Wilmington, DE|National
Loans Originated
1,871
Applications
2,289
Volume
$840 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.100%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$849
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.7%
Percentage of applications that result in closed loans
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
Report Card
Premia Mortgage, LLC DBA Premia Relocation Mortgage performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | National · 46 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$449,009
Average Borrower Income
$187,572
Average Property Value
$603,846
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 1,474 | 78.8% | -0.048% | $851 |
FHA Loans | Strong | Strong | Exceptional | Sound | 133 | 7.1% | +0.234% | $736 |
VA Loans | Strong | Strong | Exceptional | Strong | 224 | 12.0% | -0.718% | $917 |
Jumbo Loans | Sound | Sound | Exceptional | Acceptable | 40 | 2.1% | -0.028% | $811 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 1,858 | 99.3% | -0.099% | $857 |
Refinance | Acceptable | Acceptable | N/A | Sound | 13 | 0.7% | -0.178% | $167 |
Geographic Coverage
Metro Areas
45
States Served
49
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 123Mix: 6.57%
Place Specialization
Strong
2
St. Louis, MO, MO-ILMSA
Volume: 66Mix: 3.53%
Place Specialization
Strong
3
Charlotte, NC-SCMSA
Volume: 60Mix: 3.21%
Place Specialization
Sound
4
Midland, TX, TXMSA
Volume: 25Mix: 1.34%
Place Specialization
Sound
5
Dallas, TXMSA
Volume: 45Mix: 2.41%
Place Specialization
Sound
6
Nashville, TNMSA
Volume: 34Mix: 1.82%
Place Specialization
Sound
7
Fort Worth, TXMSA
Volume: 32Mix: 1.71%
Place Specialization
Sound
8
Warren, MIMSA
Volume: 34Mix: 1.82%
Place Specialization
Sound
9
Raleigh, NCMSA
Volume: 29Mix: 1.55%
Place Specialization
Sound
10
Charleston, SCMSA
Volume: 24Mix: 1.28%
Place Specialization
Sound
Showing 10 of 45 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 324Mix: 17.32%
Place Specialization
Strong
2
NCState
Volume: 122Mix: 6.52%
Place Specialization
Strong
3
GAState
Volume: 102Mix: 5.45%
Place Specialization
Sound
4
TNState
Volume: 84Mix: 4.49%
Place Specialization
Sound
5
MOState
Volume: 75Mix: 4.01%
Place Specialization
Sound
6
SCState
Volume: 56Mix: 2.99%
Place Specialization
Sound
7
MIState
Volume: 75Mix: 4.01%
Place Specialization
Sound
8
FLState
Volume: 114Mix: 6.09%
Place Specialization
Sound
9
VAState
Volume: 58Mix: 3.10%
Place Specialization
Sound
10
WAState
Volume: 42Mix: 2.24%
Place Specialization
Sound
Showing 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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