Premium Mortgage Corporation mortgage approval rate & lending review
Premium Mortgage Corporation decided 12,661 mortgage applications and funded 12,230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Premium Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to premiummortgage.com.
Premium Mortgage Corporation at a glance
Approval is 10.0 points above the 87.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 11,062 / 11,351 | 100% | $225K | 11,010 |
| Cash-out refinance | 89% | 149 / 167 | 97% | $195K | 145 |
| Refinance | 98% | 129 / 132 | 99% | $215K | 128 |
| Investment property purchase | 95% | 840 / 884 | 99% | $145K | 828 |
| Investment cash-out refinance | 94% | 78 / 83 | 100% | $155K | 78 |
| Investment refinance | 95% | 41 / 43 | 100% | $135K | 41 |
Premium Mortgage Corporation lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Premium Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Mortgage lenders | 98% | 5,157 | 5,040 |
| Erie County, NY | Mortgage lenders | 98% | 3,107 | 3,029 |
| Niagara County, NY | Mortgage lenders | 98% | 808 | 791 |
| Ontario County, NY | Mortgage lenders | 99% | 527 | 518 |
| Monroe County, NY | Investment property purchase | 95% | 391 | 365 |
| Onondaga County, NY | Mortgage lenders | 97% | 265 | 255 |
| Oneida County, NY | Mortgage lenders | 97% | 222 | 214 |
| Albany County, NY | Mortgage lenders | 88% | 233 | 205 |
| Schenectady County, NY | Mortgage lenders | 96% | 170 | 163 |
| Erie County, NY | Investment property purchase | 97% | 166 | 160 |
| Saratoga County, NY | Mortgage lenders | 98% | 158 | 153 |
| Rensselaer County, NY | Mortgage lenders | 94% | 156 | 146 |
The county markets where Premium Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Premium Mortgage Corporation
What is Premium Mortgage Corporation's mortgage approval rate?
Premium Mortgage Corporation approved 97.1% of the 12,661 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 87.1% national rate for the same mix of loan types.
How often do borrowers take the loan Premium Mortgage Corporation offers?
Borrowers accepted 99% of the loans Premium Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Premium Mortgage Corporation make?
The typical home purchase mortgage loan Premium Mortgage Corporation made was $225K; across all loan types its typical loan ran from $135K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Premium Mortgage Corporation lend?
Premium Mortgage Corporation decided applications in 11 of the states Fat Boy Data covers, most of them in New York, Florida and Ohio.
Can I apply to Premium Mortgage Corporation directly?
Yes. Premium Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is premiummortgage.com.
Does this page show Premium Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Premium Mortgage Corporation treats applications, then get a rate quote from the lender.