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PREMIER LENDING, INC.
Independent Mortgage Company|SANTA ROSA, CA|Multi-Region
Loans Originated
567
Applications
575
Volume
$194 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.496%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,433
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
98.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,433)
Report Card
PREMIER LENDING, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 13 metro areas · 15 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$343,660
Average Borrower Income
$138,245
Average Property Value
$424,418
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Strong | 398 | 70.2% | +0.498% | $4,139 |
FHA Loans | Strong | Strong | N/A | Exceptional | 124 | 21.9% | +0.885% | $4,898 |
VA Loans | Sound | Sound | N/A | Strong | 34 | 6.0% | -0.101% | $5,157 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Strong | 527 | 92.9% | +0.614% | $4,216 |
Refinance | Acceptable | Acceptable | N/A | Sound | 40 | 7.1% | -0.037% | $5,410 |
Geographic Coverage
Metro Areas
12
States Served
15
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCAFLGAIDKYMNNCOHPASCTNTXWA
Top Metro Areas by Place Specialization Score
1
Akron, OH, OHMSA
Volume: 51Mix: 8.99%
Place Specialization
Strong
2
Santa Rosa, CAMSA
Volume: 36Mix: 6.35%
Place Specialization
Strong
3
Charlotte, NC-SCMSA
Volume: 75Mix: 13.23%
Place Specialization
Strong
4
Spokane, WAMSA
Volume: 40Mix: 7.05%
Place Specialization
Strong
5
Minneapolis, MN-WIMSA
Volume: 71Mix: 12.52%
Place Specialization
Strong
6
Phoenix, AZMSA
Volume: 57Mix: 10.05%
Place Specialization
Sound
7
Canton, OHMSA
Volume: 18Mix: 3.17%
Place Specialization
Sound
8
Amarillo, TX, TXMSA
Volume: 19Mix: 3.35%
Place Specialization
Sound
9
Elizabethtown, KY, KYMSA
Volume: 12Mix: 2.12%
Place Specialization
Sound
10
St. Cloud, MN, MNMSA
Volume: 13Mix: 2.29%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
MNState
Volume: 102Mix: 17.99%
Place Specialization
Strong
2
OHState
Volume: 92Mix: 16.23%
Place Specialization
Strong
3
AZState
Volume: 67Mix: 11.82%
Place Specialization
Sound
4
NCState
Volume: 77Mix: 13.58%
Place Specialization
Sound
5
WAState
Volume: 47Mix: 8.29%
Place Specialization
Sound
6
CAState
Volume: 67Mix: 11.82%
Place Specialization
Sound
7
KYState
Volume: 30Mix: 5.29%
Place Specialization
Sound
8
SCState
Volume: 25Mix: 4.41%
Place Specialization
Sound
9
TXState
Volume: 32Mix: 5.64%
Place Specialization
Sound
10
ALState
Volume: 10Mix: 1.76%
Place Specialization
Acceptable
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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