Purchase Originations
1,669
Ranked #262 nationally
Median Total Costs
$2,158
−67.7% vs national ($6,680)
↑ $61 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.150% vs prior year
Median Origination
$0
Median Lender Credits
$875
Cost Rank (500+ vol.)
#14
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,339 | 6.375% | $1,422 | $0 |
| va | 196 | 5.990% | $4,615 | $0 |
| fha | 134 | 6.125% | $7,417 | $199 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 253 | 6.125% | $3,269 | #173 |
| Florida | 101 | 6.250% | $3,008 | #229 |
| North Carolina | 101 | 6.375% | $544 | #151 |
| Georgia | 74 | 6.188% | $1,052 | #161 |
| Tennessee | 68 | 6.213% | $861 | #161 |
| Pennsylvania | 66 | 6.312% | $1,963 | #194 |
| South Carolina | 66 | 6.112% | $2,439 | #146 |
| Michigan | 64 | 6.400% | $200 | #139 |
| Missouri | 56 | 6.375% | $1,737 | #138 |
| Illinois | 53 | 6.375% | $3,406 | #189 |
| Virginia | 49 | 6.125% | $495 | — |
| Ohio | 40 | 6.250% | $1,372 | — |
| Iowa | 39 | 6.375% | $357 | — |
| Minnesota | 39 | 6.400% | $402 | — |
| California | 36 | 6.125% | $3,529 | — |
| Alabama | 31 | 6.125% | $3,165 | — |
| Oklahoma | 31 | 6.125% | $2,709 | — |
| Washington | 29 | 6.375% | $3,209 | — |
| Kansas | 28 | 6.438% | $1,557 | — |
| Arizona | 27 | 6.250% | $2,566 | — |
| New Mexico | 27 | 6.125% | $3,569 | — |
| Massachusetts | 26 | 6.375% | $348 | — |
| Colorado | 25 | 6.250% | $3,496 | — |
| Louisiana | 25 | 6.125% | $1,350 | — |
| Wisconsin | 25 | 6.475% | $1,163 | — |
| Indiana | 24 | 6.312% | $2,146 | — |
| Kentucky | 23 | 6.475% | $677 | — |
| New Jersey | 23 | 5.990% | $1,137 | — |
| Idaho | 22 | 6.438% | $5,680 | — |
| Arkansas | 21 | 6.250% | $1,680 | — |
| New York | 21 | 6.375% | $3,585 | — |
| Nebraska | 19 | 6.300% | $511 | — |
| Utah | 18 | 6.412% | $1,149 | — |
| Maryland | 17 | 6.125% | $208 | — |
| Mississippi | 16 | 6.125% | $3,938 | — |
| Oregon | 15 | 6.125% | $3,225 | — |
| Alaska | 11 | 6.250% | $1,313 | — |
| Connecticut | 9 | 6.625% | $4,172 | — |
| Wyoming | 8 | 6.612% | $1,177 | — |
| Delaware | 7 | 6.500% | $0 | — |
| South Dakota | 6 | 6.275% | $852 | — |
| Maine | 5 | 6.300% | $25 | — |
| Montana | 5 | 6.250% | $1,317 | — |
| North Dakota | 5 | 6.375% | $2,070 | — |
| New Hampshire | 5 | 6.375% | $0 | — |
| Nevada | 4 | 6.438% | $1,590 | — |
| West Virginia | 4 | 6.225% | $2,221 | — |
| District of Columbia | 1 | 5.625% | $10,475 | — |
| Vermont | 1 | 5.875% | $4,520 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $25 | 6.312% | — | 20 | −$2,133 | |
| 2 | $25 | 6.125% | — | 11 | −$2,133 | |
| 3 | $210 | 6.125% | — | 12 | −$1,948 | |
| 4 | $216 | 6.650% | — | 12 | −$1,942 | |
| 5 | $278 | 6.525% | — | 18 | −$1,880 | |
| 6 | $420 | 6.100% | — | 12 | −$1,738 | |
| 7 | $531 | 6.550% | — | 17 | −$1,627 | |
| 8 | $924 | 5.987% | — | 14 | −$1,234 | |
| 9 | $1,313 | 6.250% | — | 11 | −$845 | |
| 10 | $1,860 | 6.375% | — | 20 | −$298 | |
| 11 | $2,448 | 6.438% | — | 16 | +$290 | |
| 12 | $2,566 | 6.250% | — | 21 | +$408 | |
| 13 | $2,934 | 6.487% | — | 16 | +$776 | |
| 14 | $3,011 | 5.990% | — | 47 | +$853 | |
| 15 | $3,043 | 6.375% | — | 14 | +$885 | |
| 16 | $3,198 | 6.000% | — | 18 | +$1,040 | |
| 17 | $3,387 | 6.188% | — | 14 | +$1,229 | |
| 18 | $4,000 | 5.990% | — | 14 | +$1,842 | |
| 19 | $4,521 | 5.990% | — | 23 | +$2,363 | |
| 20 | $6,887 | 6.375% | — | 11 | +$4,729 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Premia Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $2,158 | $7,127 | −$4,969 (−69.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.