Premier Mortgage

What Premier Mortgage does

Premier Mortgage is a private, family-owned mortgage lending company headquartered in Morgantown, West Virginia, founded in July 2007 by cousins Jonathan Cooper and Courtney Cooper. The firm originates residential mortgage loans across the entire state of West Virginia, with additional coverage of the eastern Panhandle via a loan officer based in Petersburg. Its product portfolio spans USDA Rural Housing loans with 100% financing, VA mortgages for veterans and active duty personnel, FHA loans with 3.5% down, Conventional loans, Doublewide manufactured home financing, a High Balance non-jumbo program up to $726,525, and both Rate/Term and Cash-Out refinancing options. The firm is licensed under NMLS #218226 and operates as an Equal Housing Lender.

The business operates as a direct-to-consumer originator with no disclosed proprietary technology platform, API, or digital infrastructure beyond a WordPress-based marketing website. Customer engagement runs through phone, in-person office visits, and website contact forms, supported by a small team of seven-plus loan officers (including the two founders) whose combined mortgage experience is stated at approximately 80 years. The firm has no disclosed external investors, parent company, partnerships, patents, or technology hires, and all competitive advantage is described as relationship-based local service and program expertise rather than technology differentiation.

Premier Mortgage generates revenue through transaction-based origination fees on closed loans, with no subscription, SaaS, or recurring pricing components. Its target segments include first-time homebuyers, veterans and active duty military, rural property buyers, manufactured home buyers, and refinance customers, with no enterprise or institutional client base. The firm is fully exposed to West Virginia residential housing turnover and to mortgage rate cycles that drive refinance volume, and it has no disclosed revenue, loan volume, or financial performance metrics.

Name

Premier Mortgage

Legal name

Premier Mortgage

Website

https://premiermortgagewv.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Premier Mortgage is a family-owned, Morgantown, WV-based residential mortgage originator serving the entire state of West Virginia. It offers USDA, VA, FHA, Conventional, High Balance, Doublewide, and refinancing loan products through a small team of seven-plus loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Residential mortgage lending
• Home loan origination
• VA loan services
• FHA mortgage programs
• Mortgage refinancing

Headquarters

HQ city

Morgantown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans including purchase mortgages and refinances. Offers USDA, VA, FHA, and Conventional loan programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Premier Mortgage originates residential mortgage loans for homebuyers across West Virginia. Its portfolio includes USDA Rural Housing loans with 100% financing, VA loans for veterans and active duty personnel, FHA loans for borrowers with lower credit scores, Conventional loan programs, Doublewide/mobile home financing, High Balance non-jumbo loans up to $726,525, and rate/term and cash-out refinancing options.

Product overview

Premier Mortgage is a mortgage lending company offering a portfolio of loan products and refinancing services. The core offerings include USDA rural housing loans with 100% financing, VA mortgages for veterans, FHA loans with flexible qualification, and conventional loan programs with various term options. Additional specialized products include doublewide home financing and high-balance non-jumbo loans. The company also provides rate/term and cash-out refinancing options. These products are designed to serve different borrower segments including first-time homebuyers, veterans, and those in rural areas across West Virginia.

Differentiator

Problem solved

Functional benefit

Products and services

• USDA Program (Guaranteed Rural Housing)

Quantifiable outcome

• 80 years of combined mortgage experience across the team

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• loanDepot: Large multi-channel retail mortgage originator competing across FHA, VA, USDA, and Conventional — relevant scale and product comparable.
• Caliber Home Loans: Retail and wholesale mortgage originator with deep VA and FHA expertise and a similar government-loan product mix to Premier's portfolio.
• Cardinal Financial Company: National retail mortgage banker offering FHA, VA, USDA, and Conventional programs — directly comparable product set to Premier Mortgage but at materially greater scale and geographic reach.
• Guild Mortgage Company: Large multi-channel mortgage lender with strong government-insured (FHA/VA/USDA) and manufactured home offerings and retail branch model analogous to Premier's.
• NewRez (now part of Rocket Mortgage): National non-QM and government loan originator with FHA/VA/Conventional programs — directly comparable origination menu to Premier, with greater scale.

Regional players

• WesBanco Bank: West Virginia-chartered regional bank with mortgage lending capabilities serving the same statewide geography — competes for refinance and purchase business.
• Fairmont Federal Credit Union: West Virginia-based credit union offering mortgage products within the same Morgantown/north-central WV market — competes for first-time and rural buyers Premier also targets.
• Huntington Mortgage (Huntington National Bank): Bank-affiliated mortgage originator with strong WV retail presence and competitive FHA/VA program delivery — largest in-state competitor to Premier.
• City National Bank of West Virginia: West Virginia-headquartered bank with mortgage origination operations in the same statewide geography as Premier — direct regional competitor for the same borrowers.

Direct peers

• Movement Mortgage: Retail-focused community-rooted mortgage lender with branch-style service culture and government loan emphasis, comparable to Premier's localized retail model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/premiermortgagewv

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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