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 score and performance metrics.

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 an overall pricing score of 12.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PREMIER LENDING, INC.?

PREMIER LENDING, INC. is a Independent Mortgage Company headquartered in SANTA ROSA, CA.

Unclaimed

Premier Lending, Inc.

Independent Mortgage Company•SANTA ROSA, CA•Direct to Consumer

We analyzed every closed loan from Premier Lending — 567 loans across 575 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 12 mkts

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Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +49.6 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Acceptable	Near industry average Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional13 markets

Loan Product Performance

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%Above	$4,139Fees
FHA Loans	Strong	Strong	—	Exceptional	124	21.9%	+0.885%Above	$4,898Fees
VA Loans	Sound	Sound	—	Strong	34	6.0%	-0.101%Below	$5,157Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Strong	527	92.9%	+0.614%Above	$4,216Fees
Refinance	Acceptable	Acceptable	—	Sound	40	7.1%	-0.037%Below	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCAFLGAIDKYMNNCOHPASCTNTXWA

Top Metro Areas by Place Specialization Score

Akron, OH, OHMSA

Volume: 51Mix: 8.99%of portfolio

Place

Strong

Santa Rosa, CAMSA

Volume: 36Mix: 6.35%of portfolio

Place

Strong

Charlotte, NC-SCMSA

Volume: 75Mix: 13.23%of portfolio

Place

Strong

Spokane, WAMSA

Volume: 40Mix: 7.05%of portfolio

Place

Strong

Minneapolis, MN-WIMSA

Volume: 71Mix: 12.52%of portfolio

Place

Strong

Phoenix, AZMSA

Volume: 57Mix: 10.05%of portfolio

Place

Sound

Canton, OHMSA

Volume: 18Mix: 3.17%of portfolio

Place

Sound

Amarillo, TX, TXMSA

Volume: 19Mix: 3.35%of portfolio

Place

Sound

Elizabethtown, KY, KYMSA

Volume: 12Mix: 2.12%of portfolio

Place

Sound

St. Cloud, MN, MNMSA

Volume: 13Mix: 2.29%of portfolio

Place

Sound

Showing 10 of 12 metro areas

Top States by Place Specialization Score

MNState

Volume: 102Mix: 17.99%of portfolio

Place

Strong

OHState

Volume: 92Mix: 16.23%of portfolio

Place

Strong

AZState

Volume: 67Mix: 11.82%of portfolio

Place

Sound

NCState

Volume: 77Mix: 13.58%of portfolio

Place

Sound

WAState

Volume: 47Mix: 8.29%of portfolio

Place

Sound

CAState

Volume: 67Mix: 11.82%of portfolio

Place

Sound

KYState

Volume: 30Mix: 5.29%of portfolio

Place

Sound

SCState

Volume: 25Mix: 4.41%of portfolio

Place

Sound

TXState

Volume: 32Mix: 5.64%of portfolio

Place

Sound

ALState

Volume: 10Mix: 1.76%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.