Lender in New York · HMDA 2025
Premium Mortgage Corporation mortgages in New York
Premium Mortgage Corporation's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Premium Mortgage Corporation originated 4,639 owner-occupied single-family loans in New York from 4,797 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $4,130 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
4,639
of 4,797 applications
Denial rate
2.6%
Purchase · NY 9.5%
Rate spread
+0.20 pts
Conv. · NY +0.07 pts
Loan amount
$245,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,651 | 4,509 | 2.6% | 6.625% | +0.20 pts | $4,130 | $245,000 |
| Refinance | 81 | 79 | 2.5% | 6.490% | +0.13 pts | $3,750 | $245,000 |
| Cash-out refinance | 65 | 51 | 20.0% | 6.750% | +0.38 pts | $4,290 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Premium Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County | 1 | 1,766 | 24.1% |
| Niagara County | 1 | 278 | 13.1% |
| Ontario County | 1 | 195 | 18.6% |
| Wayne County | 1 | 190 | 21.2% |
| Livingston County | 1 | 111 | 23.3% |
| Genesee County | 1 | 97 | 20.3% |
| Orleans County | 1 | 77 | 22.4% |
| Wyoming County | 1 | 74 | 21.3% |
| Erie County | 2 | 1,060 | 11.3% |
| Allegany County | 3 | 18 | 6.6% |
| Seneca County | 3 | 17 | 7.7% |
| Oneida County | 5 | 94 | 5.1% |
| Yates County | 5 | 11 | 6.4% |
| Albany County | 6 | 83 | 3.2% |
| Rensselaer County | 6 | 60 | 4.1% |
| Cattaraugus County | 6 | 18 | 3.9% |
| Schenectady County | 7 | 74 | 4.2% |
| Fulton County | 7 | 16 | 3.6% |
| Chenango County | 7 | 9 | 2.9% |
| Montgomery County | 8 | 14 | 3.3% |
| Otsego County | 8 | 11 | 2.8% |
| Onondaga County | 9 | 154 | 3.6% |
| Saratoga County | 9 | 51 | 2.1% |
| Steuben County | 9 | 22 | 2.9% |
| Cayuga County | 10 | 12 | 2.2% |
| Herkimer County | 12 | 12 | 2.6% |
| Madison County | 14 | 13 | 2.2% |
| Tioga County | 15 | 7 | 1.7% |
| Tompkins County | 15 | 5 | 0.8% |
| Greene County | 15 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology