Ground Figures
Lenders → Premier Mortgage Resources, LLC

Premier Mortgage Resources, LLC

Independent mortgage co. · #137 by purchase decisions in 2025 · Conventional 48% · FHA 42%. Above 50% DTI on fha files it approved 97% of 516.

FHA · above 50% DTI
97%

approved of 516 decisions. Across all bands and programs: 97% of 3,519.

Purchase decisions
3,900
Approved, all
97%
Lender type
Independent mortgage co.
States with 50+ decisions
17

Approval by DTI band

Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.

Conventional

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%1,244
99%
7%
44–45%152
100%
0%
46–49%462
98%
71%

FHA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%638
97%
9%
44–45%155
99%
0%
46–49%323
97%
20%
50–60%516
97%
71%

Rates and costs

Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.

Conventional rate vs market
-2 bps
Conventional median, no points
6.625%
FHA rate vs market
+10 bps
FHA median, no points
6.5%
VA rate vs market
+5 bps
VA median, no points
6.5%
Conventional median loan costs
$7,125
FHA median loan costs
$13,625
VA median loan costs
$10,375
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Debt-to-income ratio Debt-to-income ratio: 42% approved of 26 42% Insufficient cash Insufficient cash: 16% approved of 10 16% Credit history Credit history: 13% approved of 8 13% Unverifiable information Unverifiable information: 10% approved of 6 10% Collateral Collateral: 10% approved of 6 10% Other Other: 8% approved of 5 8% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 98% approved of 1,069 98% LTV 80–95% LTV 80–95%: 98% approved of 851 98% LTV >95% LTV >95%: 97% approved of 1,980 97%

Where it lends

Idaho (1,182), California (412), Washington (399), Georgia (323), Nevada (230), Oregon (171), Missouri (129), Texas (126), Utah (112), Illinois (108).

Compare Premier Mortgage Resources, LLC with every lender in a state on the approvals, rates and fees pages.

Questions

Does Premier Mortgage Resources, LLC approve loans with a DTI over 50%?

On fha purchase files in 2025, Premier Mortgage Resources, LLC approved 97% of 516 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Premier Mortgage Resources, LLC's rates competitive?

In 2025 its closed conventional loans were priced 2 basis points below the market median after matching LTV band and points paid.

Why does Premier Mortgage Resources, LLC deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (42% of denials), followed by insufficient cash (16%).

Where does this come from?

Premier Mortgage Resources, LLC's own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.

Method

Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.

Corrections

Every figure traces to Premier Mortgage Resources, LLC’s own filing. If a number looks wrong, write to us and we will re-run it.