# PREMIER LENDING, INC.

> **Canonical URL:** https://saferate.com/lenders/premier-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PREMIER LENDING, INC. is a independent mortgage company, headquartered in SANTA ROSA, CA, serving borrowers across 15 states, with 567 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001SDQVS1NWYH012
- **Headquarters:** SANTA ROSA, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, AZ, CA, FL, GA, ID, KY, MN, NC, OH, PA, SC, TN, TX, WA
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.496%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,433
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 567
- **Dollar Volume:** $195 million
- **Applications Received:** 575
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $343,660
- **Average Borrower Income:** $138,245
- **Average Property Value:** $424,418

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 398 | +0.498% | $4,139 | Sound ☺️ |
| FHA | 64/100 | 124 | +0.885% | $4,898 | Strong 😀 |
| VA | 44/100 | 34 | -0.101% | $5,157 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 371 loans, Score: 57/100 (Sound)
- Refinance: 27 loans, Score: 30/100 (Acceptable)

**FHA:**
- Purchase: 114 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 31 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 527 | $181M | +0.614% | Sound ☺️ |
| Refinance | 36/100 | 40 | $13M | -0.037% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 102 | 0.16% | 65/100 |
| OH | 92 | 0.07% | 62/100 |
| NC | 77 | 0.05% | 58/100 |
| AZ | 67 | 0.07% | 60/100 |
| CA | 67 | 0.02% | 54/100 |
| WA | 47 | 0.06% | 57/100 |
| TX | 32 | 0.01% | 46/100 |
| KY | 30 | 0.06% | 53/100 |
| SC | 25 | 0.03% | 49/100 |
| AL | 10 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charlotte | NC-SC | 75 | 66/100 |
| Minneapolis | MN-WI | 71 | 62/100 |
| Phoenix | AZ | 57 | 59/100 |
| Non |  | 57 | 44/100 |
| Akron, OH | OH | 51 | 67/100 |
| Spokane | WA | 40 | 66/100 |
| Santa Rosa | CA | 36 | 67/100 |
| Amarillo, TX | TX | 19 | 51/100 |
| Canton | OH | 18 | 51/100 |
| St. Cloud, MN | MN | 13 | 47/100 |
| Cleveland, OH | OH | 12 | 43/100 |
| Elizabethtown, KY | KY | 12 | 47/100 |
| Winston | NC | 10 | 42/100 |

## Where This Lender Ranks

PREMIER LENDING, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Amarillo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Amarillo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Akron, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in St. Cloud, MN for FHA Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in St. Cloud, MN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Akron, OH for VA Loans
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Amarillo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does PREMIER LENDING, INC. offer?

PREMIER LENDING, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PREMIER LENDING, INC. offer mortgages?

PREMIER LENDING, INC. offers mortgages in 15 states: AL, AZ, CA, FL, GA, ID, KY, MN, NC, OH, PA, SC, TN, TX, WA.

### How competitive are PREMIER LENDING, INC.'s mortgage rates?

PREMIER LENDING, INC. has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.496% above market average.

### What type of lender is PREMIER LENDING, INC.?

PREMIER LENDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SANTA ROSA, CA.

### What is PREMIER LENDING, INC.'s loan approval success rate?

PREMIER LENDING, INC. has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/premier-lending

### How to Cite

> "PREMIER LENDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/premier-lending

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