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Premier Lending

Independent Mortgage Company•Santa Rosa, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Premier Lending — 567 loans across 575 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 12 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,433)

Explore another lender or local market

Report Card

Premier Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+49.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume398
Mix70.2%
Spread
+0.498%Above
Fees
$4,139Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume124
Mix21.9%
Spread
+0.885%Above
Fees
$4,898Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume34
Mix6.0%
Spread
-0.101%Below
Fees
$5,157Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume527
Mix92.9%
Spread
+0.614%Above
Fees
$4,216Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume40
Mix7.1%
Spread
-0.037%Below
Fees
$5,410Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
567
Applications
575
Volume
$194 million
Pricing & Closing
Avg Rate Spread
+0.496%
vs. market APOR
Avg Net Fees
$4,433
Origination − Credits
Pullthrough Rate
98.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$343,660
Avg Borrower Income
$138,245
Avg Property Value
$424,418

Geographic Coverage

Geographic Performance

Metro Areas
12
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

15
15 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest2
MNOH
South8
ALFLGAKYNCSCTNTX
West4
AZCAIDWA

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 51Mix 8.99% of portfolio
67/100
Strong
2© Sanfranman59 · CC BY-SA 3.0
Santa Rosa, CAMetro
Volume 36Mix 6.35% of portfolio
67/100
Strong
3© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 75Mix 13.23% of portfolio
66/100
Strong
4© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 40Mix 7.05% of portfolio
66/100
Strong
5© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 71Mix 12.52% of portfolio
62/100
Strong
6© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 57Mix 10.05% of portfolio
59/100
Sound
7© WeaponizingArchitecture · CC BY-SA 4.0
Canton, OHMetro
Volume 18Mix 3.17% of portfolio
51/100
Sound
8© Samuel Capps · Public domain
Amarillo, TXMetro
Volume 19Mix 3.35% of portfolio
51/100
Sound
9© Nyttend · Public domain
Elizabethtown, KYMetro
Volume 12Mix 2.12% of portfolio
47/100
Sound
10© McGhiever · CC BY-SA 3.0
St. Cloud, MNMetro
Volume 13Mix 2.29% of portfolio
47/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

Minnesota
Minnesota
1
MinnesotaState
Volume 102Mix 17.99% of portfolio
65/100
Strong
Ohio
Ohio
2
OhioState
Volume 92Mix 16.23% of portfolio
62/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 67Mix 11.82% of portfolio
60/100
Sound
North Carolina
North Carolina
4
North CarolinaState
Volume 77Mix 13.58% of portfolio
58/100
Sound
Washington
Washington
5
WashingtonState
Volume 47Mix 8.29% of portfolio
57/100
Sound
California
California
6
CaliforniaState
Volume 67Mix 11.82% of portfolio
54/100
Sound
Kentucky
Kentucky
7
KentuckyState
Volume 30Mix 5.29% of portfolio
53/100
Sound
South Carolina
South Carolina
8
South CarolinaState
Volume 25Mix 4.41% of portfolio
49/100
Sound
Texas
Texas
9
TexasState
Volume 32Mix 5.64% of portfolio
46/100
Sound
Alabama
Alabama
10
AlabamaState
Volume 10Mix 1.76% of portfolio
39/100
Acceptable
Showing 10 of 11 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.