Premium Mortgage Corporation
We analyzed every closed loan from Premium Mortgage Corporation — 4.6k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
Purchase
Champion
Conventional
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Premium Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+26.1 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
3,732 loans · 0.24% above market
Exceptional
Top 20% of lenders
5/5
FHA
586 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
VA
197 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
USDA
35 loans · 0.27% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,447 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
Refinance
106 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,732 | 82.0% | +0.245%Above | $1,375Fees | ||||
FHA Loans | 586 | 12.9% | +0.485%Above | $717Fees | ||||
VA Loans | 197 | 4.3% | -0.168%Below | $392Fees | ||||
USDA Loans | — | 35 | 0.8% | +0.266%Above | $529Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume3,732
Mix82.0%
Spread
+0.245%Above
Fees
$1,375Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume586
Mix12.9%
Spread
+0.485%Above
Fees
$717Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume197
Mix4.3%
Spread
-0.168%Below
Fees
$392Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume35
Mix0.8%
Spread
+0.266%Above
Fees
$529Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,447 | 97.7% | +0.262%Above | $1,237Fees | ||||
Refinance | 106 | 2.3% | +0.205%Above | $1,695Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume4,447
Mix97.7%
Spread
+0.262%Above
Fees
$1,237Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume106
Mix2.3%
Spread
+0.205%Above
Fees
$1,695Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,553
Applications
5,094
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.261%
vs. market APOR
Avg Net Fees
$1,249
Origination − Credits
Pullthrough Rate
89.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$250,133
Avg Borrower Income
$123,106
Avg Property Value
$310,961
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 100100+None
Northeast5
CTNJNYPAVT
Midwest1
OH
South4
ALFLSCTN
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.