Premia Mortgage, LLC DBA Premia Relocation Mortgage
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
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
Explore another lender or local market
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
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,474 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
FHA
133 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
VA
224 loans · 0.72% below market
Strong
Top 40% of lenders
4/5
Jumbo
40 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,858 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
Refinance
13 loans · 0.18% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
National · 46 markets
Sound
Top 60% of lenders
3/5
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 |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume1,474
Mix78.8%
Spread
-0.048%Below
Fees
$851Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume133
Mix7.1%
Spread
+0.234%Above
Fees
$736Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume224
Mix12.0%
Spread
-0.718%Below
Fees
$917Fees
Jumbo Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume40
Mix2.1%
Spread
-0.028%Below
Fees
$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 |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume1,858
Mix99.3%
Spread
-0.099%Below
Fees
$857Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughSound
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
49Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 32Mix 1.71% of portfolio
52/100
Sound
Showing 10 of 45 metro areas
Top States by Place Specialization Score
Showing 10 of 40 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.