What loan types does Premier Lending offer?

Premier Lending offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Premier Lending offer mortgages?

Premier Lending 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's mortgage rates?

Premier Lending 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?

Premier Lending is a Independent Mortgage Company headquartered in SANTA ROSA, CA.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

398 loans · 0.50% above market

Sound

Top 60% of lenders

3/5

FHA

124 loans · 0.89% above market

Strong

Top 40% of lenders

4/5

34 loans · 0.10% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

527 loans · 0.61% above market

Sound

Top 60% of lenders

3/5

Refinance

40 loans · 0.04% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 13 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	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

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Strong	527	92.9%	+0.614%Above	$4,216Fees
Refinance	Sound	Acceptable	—	Sound	40	7.1%	-0.037%Below	$5,410Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

15Full-year 2024 · HMDA

Loans originated

< 2020–5050–100100+None

Northeast1

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

Phoenix, AZMetro

Volume 57Mix 10.05% of portfolio

59/100

Sound

Canton, OHMetro

Volume 18Mix 3.17% of portfolio

51/100

Sound

Amarillo, TXMetro

Volume 19Mix 3.35% of portfolio

51/100

Sound

Elizabethtown, KYMetro

Volume 12Mix 2.12% of portfolio

47/100

Sound

St. Cloud, MNMetro

Volume 13Mix 2.29% of portfolio

47/100

Sound

Showing 10 of 12 metro areas

Top States by Place Specialization Score

MinnesotaState

Volume 102Mix 17.99% of portfolio

65/100

Strong

OhioState

Volume 92Mix 16.23% of portfolio

62/100

Strong

ArizonaState

Volume 67Mix 11.82% of portfolio

60/100

Sound

North CarolinaState

Volume 77Mix 13.58% of portfolio

58/100

Sound

WashingtonState

Volume 47Mix 8.29% of portfolio

57/100

Sound

CaliforniaState

Volume 67Mix 11.82% of portfolio

54/100

Sound

KentuckyState

Volume 30Mix 5.29% of portfolio

53/100

Sound

South CarolinaState

Volume 25Mix 4.41% of portfolio

49/100

Sound

TexasState

Volume 32Mix 5.64% of portfolio

46/100

Sound

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.