Applications / Mortgage Analytics / Lenders / New York / Premium Mortgage
Rochester, NY · Independent non-bank lender · CFPB · 5,199 loans in 2025
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5,199
loans originated, 2025
5,960
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premium Mortgage is the biggest mortgage lender in Rochester, New York, with 13.9% of the market, and nearly all of its 5,199 loans in 2025 were to people buying homes.
It leads Rochester, ahead of ESL Federal Credit Union, and ranks 3 of 267 lenders in Buffalo-Cheektowaga with 8.4%. Both shares slipped, from 14.8% and 9.2%. Its own loans still rose 7%, so rivals grew faster; one possibility is that they did more refinancing, which is only 3.9% of its lending. In Syracuse its share more than doubled, to 2.1%.
Purchases made up 96.1% of its loans. Most were conventional loans, 81.5% against 64.7% at similar lenders (independent non-bank lenders making between half and twice as many loans). Its typical loan, $235,000, was smaller than at nine in ten of them, whose typical loan was $315,000.
Only 0.7% of its loans were higher-priced (a rate well above the average for similar loans), against 2.4% at similar lenders. It turned down 3.0% of home-purchase applications, against 4.3%.
Loans grew 7% in 2025, against 13% for similar lenders and 10% for the whole market. It made 7,099 loans in 2021 and 6,667 in 2020, so it remains well below those years. In 2025 it first lent in Houston, Greenville and Pittsfield, though its share there rounds to nothing.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premium Mortgage took 5,960 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.1% · Refinance 3.9%
Conventional 81.5% · FHA 13.6% · VA 4.4% · USDA (RHS or FSA) 0.5% · of 5,199 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 5,094 | 98.0% |
| Florida | 74 | 1.4% |
| Ohio | 7 | 0.1% |
| South Carolina | 6 | 0.1% |
| Texas | 5 | 0.1% |
| Pennsylvania | 4 | 0.1% |
| Connecticut | 3 | 0.1% |
| Massachusetts | 2 | 0.0% |
| New Jersey | 2 | 0.0% |
| Vermont | 2 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 2,538 |
| Buffalo-Cheektowaga | 1,426 |
| Albany-Schenectady-Troy | 316 |
| Syracuse | 211 |
| Utica-Rome | 117 |
| Binghamton | 31 |
| Punta Gorda | 21 |
| Cape Coral-Fort Myers | 16 |
| Glens Falls | 13 |
| North Port-Bradenton-Sarasota | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XN7UWEWK13RO81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437640 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7161566654 |
Established 29 March 1999. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Premium Mortgage's data.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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