Premier Mortgage Associates

What Premier Mortgage Associates does

Premier Mortgage Associates (legal entity NQM Funding, LLC, also dba Villa Home Loans) is a privately held, founder-owned residential mortgage lender founded in 1996 by Tony Acquaviva and headquartered at 4800 N. Federal Highway, Boca Raton, Florida. The company originates purchase mortgages and refinances for individual homebuyers and small-balance residential borrowers, operating through a nationwide network of loan officers and branches licensed across 49 states, the District of Columbia, and Puerto Rico (NMLS# 75597). It employs between 101 and 250 people and reports in-house processing, underwriting, and closing for the majority of its loans, with a stated average closing time of 30 days or less.

The product portfolio spans nine core loan programs — Conforming, Jumbo (up to $10M and higher for qualified borrowers), FHA, VA, USDA, Non-QM (including bank statement, 1099, and DSCR), Renovation, Reverse Mortgage, and State Bond/DPA — supplemented by a Student Loan Refinancing product, a Chenoa Fund Down Payment Assistance partnership, online mortgage calculators, and a SimpleNexus-powered mobile app (iOS and Android) for borrower self-service. The technology stack is assembled from third-party platforms: SimpleNexus for digital mortgage workflow, Encompass for loan origination, SureFire CRM for lead and relationship management, Telemetry BI for analytics, SmartFees for fee automation, AIQ for ML-based document recognition and indexing, and a security layer comprising Secret Double Octopus (passwordless MFA), Perimeter 81 (Zero Trust), and DarkTrace (AI/ML intrusion prevention). There is no evidence of proprietary technology development or internally trained AI models.

Revenue is generated through transaction fees on loan origination, supplemented by limited loan servicing fees prior to sale to a servicing company and NSF fees. Pricing is quote-based rather than publicly disclosed. The go-to-market combines a sales-led retail model (loan officers across 49 states), inside-sales phone support, and a direct-to-consumer digital layer (website preapproval forms, mobile app, educational blog content). The company is privately held by founder Tony Acquaviva with no disclosed institutional capital, funding rounds, acquisitions, or M&A activity.

Name

Premier Mortgage Associates

Legal name

NQM Funding, LLC

Website

https://premiermtg.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Premier Mortgage Associates is a Boca Raton, Florida-based residential mortgage lender founded in 1996, licensed across 49 states plus DC and Puerto Rico, offering conforming, FHA, VA, USDA, jumbo, non-QM, renovation, reverse, and DPA loan products to individual homebuyers through in-house processing and a nationwide loan-officer network.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALAEAA

Prime (Agency/Conforming) Mortgage Servicing

Financial & Insurance/Mortgage & Housing Finance/Mortgage Servicing & Subservicing

SECONDARYFSALACAF

Jumbo & Portfolio Wholesale Lending

Financial & Insurance/Mortgage & Housing Finance/Wholesale & Correspondent Mortgage Lending

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• Jumbo loans
• VA mortgage loans

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans including purchase mortgages and refinances. The company processes, underwrites, and closes the majority of loans in-house.
2. Student Loan Refinancing: New program allowing qualified applicants to refinance public and private student debt into a single loan with a fixed interest rate.
3. Loan Servicing: Company accepts online payments from borrowers until loans are sold to a servicing company. NSF fees of $25 charged for insufficient funds.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Premier Mortgage Associates is a nationwide direct mortgage lender that originates, processes, underwrites, and closes residential home loans through its in-house team. It offers a broad portfolio of loan programs including Conforming, FHA, VA, USDA, Jumbo, Renovation, Reverse Mortgage, Non-QM, State Bond/DPA, and Student Loan Refinancing. The company serves homebuyers and refinancers across 49 states, Washington D.C., and Puerto Rico through branch offices, a national loan officer network, and a digital mortgage platform.

Product overview

Premier Mortgage Associates offers a comprehensive suite of mortgage products and services through a platform architecture. Their core loan portfolio includes nine primary mortgage programs: Conforming, Jumbo, FHA, VA, USDA, Non-QM, Renovation, Reverse Mortgage, and State Bond/DPA loans. The company also provides supplementary services including a mobile app for loan tracking and borrower communication, an online mortgage calculator, and specialized programs like the Chenoa Fund down payment assistance and student loan refinancing. The technology infrastructure supporting these products includes SimpleNexus for the digital mortgage process, Encompass for loan management, and various security and analytics platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Conforming Loan

Quantifiable outcome

• Most loans close in 30 days or less
• +2 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability4 records

Feature9 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• SimpleNexuscoreTechnology or IntegrationPartnership with SimpleNexus provides best-in-class digital mortgage platform that consolidates the loan process into a single system. Enables loan officers to share ideas and data with borrowers, send pre-approvals, and process and close loans from a mobile app.
• EncompasscoreTechnology or IntegrationWorked with industry leaders to design the most efficient version of Encompass loan origination system for streamlined mortgage processing.
• SureFire CRMcoreTechnology or IntegrationTop of Mind's SureFire CRM built to fit company needs, maximizing business and cultivating leads and customer relationships.
• Telemetry BIsupportingTechnology or IntegrationTurn-key data analytics platform exclusively designed for the mortgage industry offering robust dashboards, dynamic reporting and intuitive KPIs.
• SmartFeessupportingTechnology or IntegrationAutomates and streamlines the collection and analysis of loan file information, recording data, transfer tax, service fees and business requirements into one coordinated process.
• AIQsupportingTechnology or IntegrationLeverages machine learning and AI to automate document recognition and indexing, analyzing data extracted from borrower documents for consistency, accuracy, and velocity.
• Secret Double OctopussupportingTechnology or IntegrationPasswordless multifactor authentication system using facial or thumb recognition to access devices and networks, providing additional security.
• Perimeter 81supportingTechnology or IntegrationZero Trust Architecture building additional security around the network ensuring protection against internet threats and newly discovered vulnerabilities.
• DarkTracesupportingTechnology or IntegrationIntrusion Prevention System leveraging AI and Machine Learning to detect and prevent threats by analyzing all network traffic for unusual activity.
• CBC Mortgage AgencycoreStrategic or Co-development PartnerPremier Mortgage Associates is a trained and approved lender for the Chenoa Fund Down Payment Assistance program. Chenoa Fund offers forgivable and repayable second mortgages, is available in 49 states (except New York), has no income restrictions, and works with FHA loans.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• loanDepot: Major publicly traded U.S. retail mortgage lender with multi-channel direct-to-consumer and partner-direct origination. Comparable on product breadth, technology stack, and nationwide retail footprint, though materially larger and capitalized than PMA.
• CrossCountry Mortgage: Privately held, founder-led U.S. retail mortgage lender that grew organically to become one of the largest originators nationally. Closely comparable to PMA on private ownership, retail-direct origination model, multi-channel product mix, and rapid organic scaling without PE backing.
• Guild Mortgage Company: Large privately held U.S. residential mortgage lender offering a full suite of agency and non-QM products with nationwide retail branches. Closely comparable on product breadth, branch distribution, and positioning as a privately held mid-to-large mortgage originator.
• Paramount Residential Mortgage Group (PRMG): Privately held U.S. retail mortgage lender operating in all 50 states with a diversified product portfolio and in-house processing. Highly comparable to PMA on private ownership structure, nationwide licensing, and multi-channel retail/wholesale origination.
• Caliber Home Loans: Major U.S. residential mortgage lender offering agency, jumbo, and non-QM products through retail channels. Comparable to PMA on diversified product menu, retail focus, and in-house processing orientation.
• Planet Home Lending: Mid-large U.S. mortgage lender operating retail and correspondent channels with a diversified product set including non-QM. Comparable to PMA on multi-channel origination, product diversification, and positioning as a privately held non-bank lender.
• NewRez (Rithm Capital): Major U.S. retail and wholesale mortgage lender offering a full slate of agency, government, and non-QM products. Comparable on nationwide reach, diversified product menu, and integration of retail origination with loan-sale economics.
• Guaranteed Rate: Major privately held U.S. retail mortgage lender with strong digital capabilities and a national loan officer network. Comparable to PMA on private ownership, retail-direct model, and emphasis on technology-enabled origination.

Broad incumbents

• Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage originator and the dominant direct-to-consumer/digital mortgage brand. Comparable in product set and core retail origination model, but operates at substantially greater scale with a publicly traded parent and proprietary technology investments.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender (broker channel) backed by a major PE sponsor. Comparable on product breadth and technology investment, though its broker-channel focus differs from PMA's direct retail-heavy model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/npmortgage
• Xx.com/pmahomeloans
• Facebookfacebook.com/NP-Inc-1528111120795887

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premier Mortgage Associates