Premier Lending Inc. Mortgage Lending & HMDA Data, 2021

In 2021, Premier Lending Inc. of Charlotte, NC reported 2,084 mortgage applications totaling $1.0 billion, up 2% from 2020. The average application was for $481,636, and applicants reported an average income of $152,785. 89% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (243), San Francisco-Redwood City-South San Francisco, CA (215) and Oakland-Hayward-Berkeley, CA (199) (applications in parentheses).

Mortgage Company & Address Premier Lending Inc.

Charlotte, NC 28277
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 2,084
Total Mortgage Loan Application Amount $1,003,730,000
Average Mortgage Loan Application Amount $481,636
Highest Mortgage Loan Application Amount $3,505,000
Average Applicant Income $152,785
Highest Applicant Income $2,246,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Premier Lending Inc. by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Clara, California 182 $ 137,420,000 $ 755,054 $ 227,000
Maricopa, Arizona 152 $ 53,230,000 $ 350,197 $ 117,000
San Mateo, California 149 $ 116,885,000 $ 784,463 $ 235,000
Mecklenburg, North Carolina 124 $ 35,730,000 $ 288,145 $ 95,000
Alameda, California 110 $ 74,220,000 $ 674,727 $ 182,000
Sonoma, California 98 $ 49,820,000 $ 508,367 $ 151,000
Contra Costa, California 89 $ 56,985,000 $ 640,280 $ 185,000
Pima, Arizona 86 $ 20,480,000 $ 238,139 $ 94,000
Los Angeles, California 72 $ 38,830,000 $ 539,305 $ 170,000
San Francisco, California 66 $ 51,810,000 $ 785,000 $ 228,000
Solano, California 61 $ 23,335,000 $ 382,540 $ 117,000
Marin, California 60 $ 41,740,000 $ 695,666 $ 213,000
Benton, Washington 42 $ 13,070,000 $ 311,190 $ 91,000
Sacramento, California 41 $ 16,805,000 $ 409,878 $ 202,000
King, Washington 39 $ 19,525,000 $ 500,641 $ 168,000
San Joaquin, California 35 $ 12,185,000 $ 348,142 $ 126,000
York, South Carolina 32 $ 7,170,000 $ 224,062 $ 72,000
Leon, Florida 29 $ 7,235,000 $ 249,482 $ 85,000
Gaston, North Carolina 25 $ 6,125,000 $ 245,000 $ 74,000
Pinal, Arizona 24 $ 6,120,000 $ 255,000 $ 82,000
Riverside, California 21 $ 7,705,000 $ 366,904 $ 105,000
San Diego, California 20 $ 11,640,000 $ 582,000 $ 172,000
Union, North Carolina 20 $ 4,920,000 $ 246,000 $ 80,000
Pierce, Washington 20 $ 7,200,000 $ 360,000 $ 80,000
Randall, Texas 18 $ 2,810,000 $ 156,111 $ 80,000
Spokane, Washington 18 $ 6,700,000 $ 372,222 $ 120,000
Orange, California 17 $ 11,145,000 $ 655,588 $ 221,000
Cabarrus, North Carolina 17 $ 3,835,000 $ 225,588 $ 84,000
Snohomish, Washington 16 $ 6,740,000 $ 421,250 $ 117,000
San Benito, California 15 $ 8,345,000 $ 556,333 $ 137,000
Napa, California 13 $ 8,645,000 $ 665,000 $ 235,000
Placer, California 13 $ 6,385,000 $ 491,153 $ 127,000
Franklin, Washington 13 $ 2,965,000 $ 228,076 $ 71,000
Yavapai, Arizona 12 $ 3,940,000 $ 328,333 $ 151,000
San Bernardino, California 12 $ 4,090,000 $ 340,833 $ 143,000
Santa Cruz, California 12 $ 10,850,000 $ 904,166 $ 189,000
Washington, Oregon 12 $ 4,910,000 $ 409,166 $ 110,000
Lancaster, South Carolina 12 $ 3,420,000 $ 285,000 $ 85,000
Multnomah, Oregon 10 $ 3,840,000 $ 384,000 $ 152,000
Thomas, Georgia 9 $ 1,455,000 $ 161,666 $ 40,000
Clackamas, Oregon 8 $ 3,420,000 $ 427,500 $ 94,000
El Dorado, California 7 $ 5,055,000 $ 722,142 $ 315,000
Monterey, California 7 $ 2,815,000 $ 402,142 $ 88,000
San Luis Obispo, California 7 $ 4,865,000 $ 695,000 $ 181,000
Stanislaus, California 7 $ 3,005,000 $ 429,285 $ 127,000
Jackson, Florida 7 $ 1,335,000 $ 190,714 $ 56,000
Calaveras, California 6 $ 2,270,000 $ 378,333 $ 296,000
Fresno, California 5 $ 1,465,000 $ 293,000 $ 90,000
Iredell, North Carolina 5 $ 1,225,000 $ 245,000 $ 77,000
Lincoln, North Carolina 5 $ 1,405,000 $ 281,000 $ 87,000
Travis, Texas 5 $ 2,265,000 $ 453,000 $ 159,000
Nevada, California 4 $ 1,800,000 $ 450,000 $ 251,000
Tulare, California 4 $ 890,000 $ 222,500 $ 53,000
Alexander, North Carolina 4 $ 870,000 $ 217,500 $ 149,000
Wake, North Carolina 4 $ 1,440,000 $ 360,000 $ 214,000
Deschutes, Oregon 4 $ 1,490,000 $ 372,500 $ 154,000
Tarrant, Texas 4 $ 1,160,000 $ 290,000 $ 223,000
Mendocino, California 3 $ 1,055,000 $ 351,666 $ 252,000
Merced, California 3 $ 815,000 $ 271,666 $ 156,000
Shasta, California 3 $ 925,000 $ 308,333 $ 114,000
Tuolumne, California 3 $ 1,005,000 $ 335,000 $ 215,000
Grady, Georgia 3 $ 315,000 $ 105,000 $ 39,000
Cook, Illinois 3 $ 1,205,000 $ 401,666 $ 213,000
Rowan, North Carolina 3 $ 595,000 $ 198,333 $ 48,000
Lane, Oregon 3 $ 1,195,000 $ 398,333 $ 92,000
Charleston, South Carolina 3 $ 2,135,000 $ 711,666 $ 462,000
Florence, South Carolina 3 $ 255,000 $ 85,000 $ 66,000
Potter, Texas 3 $ 515,000 $ 171,666 $ 70,000
Williamson, Texas 3 $ 925,000 $ 308,333 $ 142,000
Clark, Washington 3 $ 745,000 $ 248,333 $ 82,000
Mohave, Arizona 2 $ 490,000 $ 245,000 $ 62,000
Yuma, Arizona 2 $ 400,000 $ 200,000 $ 95,000
Amador, California 2 $ 760,000 $ 380,000 $ 266,000
Santa Barbara, California 2 $ 790,000 $ 395,000 $ 45,000
Ventura, California 2 $ 990,000 $ 495,000 $ 100,000
Denver, Colorado 2 $ 760,000 $ 380,000 $ 109,000
Broward, Florida 2 $ 950,000 $ 475,000 $ 141,000
Hillsborough, Florida 2 $ 780,000 $ 390,000 $ 114,000
Lake, Florida 2 $ 530,000 $ 265,000 $ 73,000
Brooks, Georgia 2 $ 300,000 $ 150,000 $ 100,000
Chatham, Georgia 2 $ 510,000 $ 255,000 $ 86,000
Buncombe, North Carolina 2 $ 390,000 $ 195,000 $ 139,000
Catawba, North Carolina 2 $ 270,000 $ 135,000 $ 63,000
Cleveland, North Carolina 2 $ 330,000 $ 165,000 $ 41,000
Johnston, North Carolina 2 $ 710,000 $ 355,000 $ 111,000
Moore, North Carolina 2 $ 470,000 $ 235,000 $ 88,000
Orange, North Carolina 2 $ 2,650,000 $ 1,325,000 $ 429,000
Stanly, North Carolina 2 $ 430,000 $ 215,000 $ 156,000
Benton, Oregon 2 $ 800,000 $ 400,000 $ 126,000
Marion, Oregon 2 $ 690,000 $ 345,000 $ 58,000
Polk, Oregon 2 $ 700,000 $ 350,000 $ 43,000
Greenville, South Carolina 2 $ 750,000 $ 375,000 $ 166,000
Spartanburg, South Carolina 2 $ 210,000 $ 105,000 $ 18,000
Island, Washington 2 $ 870,000 $ 435,000 $ 86,000
Apache, Arizona 1 $ 125,000 $ 125,000 $ 51,000
Coconino, Arizona 1 $ 375,000 $ 375,000 $ 94,000
Gila, Arizona 1 $ 255,000 $ 255,000 $ 80,000
La Paz, Arizona 1 $ 255,000 $ 255,000 $ 92,000
Santa Cruz, Arizona 1 $ 315,000 $ 315,000 $ 101,000
Del Norte, California 1 $ 265,000 $ 265,000 $ 76,000
Glenn, California 1 $ 295,000 $ 295,000 $ 140,000
Humboldt, California 1 $ 405,000 $ 405,000 $ 64,000
Kern, California 1 $ 155,000 $ 155,000 $ 49,000
Lake, California 1 $ 155,000 $ 155,000 $ 78,000
Madera, California 1 $ 125,000 $ 125,000 $ 89,000
Mariposa, California 1 $ 345,000 $ 345,000 $ 199,000
Tehama, California 1 $ 245,000 $ 245,000 $ 76,000
Yolo, California 1 $ 585,000 $ 585,000 $ 105,000
Yuba, California 1 $ 455,000 $ 455,000 $ 96,000
Jefferson, Colorado 1 $ 215,000 $ 215,000 $ 116,000
New Castle, Delaware 1 $ 275,000 $ 275,000 $ 0
Charlotte, Florida 1 $ 325,000 $ 325,000 $ 110,000
Hernando, Florida 1 $ 175,000 $ 175,000 $ 61,000
Manatee, Florida 1 $ 605,000 $ 605,000 $ 375,000
Pasco, Florida 1 $ 465,000 $ 465,000 $ 180,000
Sarasota, Florida 1 $ 185,000 $ 185,000 $ 101,000
Wakulla, Florida 1 $ 185,000 $ 185,000 $ 101,000
Columbia, Georgia 1 $ 255,000 $ 255,000 $ 69,000
Cook, Georgia 1 $ 55,000 $ 55,000 $ 37,000
Fulton, Georgia 1 $ 225,000 $ 225,000 $ 41,000
Lanier, Georgia 1 $ 145,000 $ 145,000 $ 38,000
Mitchell, Georgia 1 $ 125,000 $ 125,000 $ 35,000
Wayne, Michigan 1 $ 155,000 $ 155,000 $ 38,000
Brunswick, North Carolina 1 $ 285,000 $ 285,000 $ 0
Columbus, North Carolina 1 $ 145,000 $ 145,000 $ 57,000
Cumberland, North Carolina 1 $ 355,000 $ 355,000 $ 100,000
Dare, North Carolina 1 $ 135,000 $ 135,000 $ 108,000
Durham, North Carolina 1 $ 245,000 $ 245,000 $ 384,000
Guilford, North Carolina 1 $ 345,000 $ 345,000 $ 108,000
Jackson, North Carolina 1 $ 495,000 $ 495,000 $ 314,000
Macon, North Carolina 1 $ 215,000 $ 215,000 $ 49,000
Pitt, North Carolina 1 $ 195,000 $ 195,000 $ 33,000
Cuyahoga, Ohio 1 $ 75,000 $ 75,000 $ 113,000
Tulsa, Oklahoma 1 $ 125,000 $ 125,000 $ 66,000
Columbia, Oregon 1 $ 245,000 $ 245,000 $ 94,000
Jackson, Oregon 1 $ 305,000 $ 305,000 $ 59,000
Klamath, Oregon 1 $ 195,000 $ 195,000 $ 96,000
Lincoln, Oregon 1 $ 255,000 $ 255,000 $ 112,000
Linn, Oregon 1 $ 325,000 $ 325,000 $ 100,000
Umatilla, Oregon 1 $ 255,000 $ 255,000 $ 90,000
Yamhill, Oregon 1 $ 505,000 $ 505,000 $ 100,000
Allegheny, Pennsylvania 1 $ 165,000 $ 165,000 $ 148,000
Beaufort, South Carolina 1 $ 525,000 $ 525,000 $ 337,000
Darlington, South Carolina 1 $ 125,000 $ 125,000 $ 119,000
Dorchester, South Carolina 1 $ 295,000 $ 295,000 $ 160,000
Horry, South Carolina 1 $ 765,000 $ 765,000 $ 433,000
Davidson, Tennessee 1 $ 425,000 $ 425,000 $ 191,000
Bell, Texas 1 $ 405,000 $ 405,000 $ 0
Bexar, Texas 1 $ 155,000 $ 155,000 $ 110,000
Carson, Texas 1 $ 95,000 $ 95,000 $ 38,000
Dallas, Texas 1 $ 1,685,000 $ 1,685,000 $ 510,000
Hood, Texas 1 $ 145,000 $ 145,000 $ 405,000
Jim Wells, Texas 1 $ 185,000 $ 185,000 $ 86,000
Johnson, Texas 1 $ 175,000 $ 175,000 $ 76,000
Lee, Texas 1 $ 245,000 $ 245,000 $ 150,000
Montgomery, Texas 1 $ 1,455,000 $ 1,455,000 $ 375,000
Parker, Texas 1 $ 185,000 $ 185,000 $ 405,000
Utah, Utah 1 $ 465,000 $ 465,000 $ 118,000
Amelia, Virginia 1 $ 215,000 $ 215,000 $ 50,000
Hampton, Virginia 1 $ 505,000 $ 505,000 $ 0
Henrico, Virginia 1 $ 175,000 $ 175,000 $ 90,000
Loudoun, Virginia 1 $ 485,000 $ 485,000 $ 104,000
Norfolk, Virginia 1 $ 225,000 $ 225,000 $ 121,000
Chelan, Washington 1 $ 235,000 $ 235,000 $ 90,000
Cowlitz, Washington 1 $ 355,000 $ 355,000 $ 48,000
Kitsap, Washington 1 $ 125,000 $ 125,000 $ 47,000
Lewis, Washington 1 $ 285,000 $ 285,000 $ 91,000
Skamania, Washington 1 $ 655,000 $ 655,000 $ 150,000
Stevens, Washington 1 $ 585,000 $ 585,000 $ 139,000
Walla Walla, Washington 1 $ 335,000 $ 335,000 $ 90,000
Whatcom, Washington 1 $ 755,000 $ 755,000 $ 107,000
Yakima, Washington 1 $ 365,000 $ 365,000 $ 94,000

Mortgage Loan Application Detail Totals for Premier Lending Inc. in 2021

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,049 $505,825,000 $482,000 $3,505,000 $139,000 $1,185,000
Refinancing 948 $459,930,000 $485,000 $2,525,000 $169,000 $2,246,000
Home Improvement 47 $21,605,000 $459,000 $2,005,000 $163,000 $921,000
Cash-out Refinancing 40 $16,370,000 $409,000 $1,645,000 $118,000 $397,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,064 $524,940,000 $493,000 $2,765,000 $158,000 $2,246,000
Hispanic 292 $109,900,000 $376,000 $1,385,000 $106,000 $458,000
Asian 264 $171,740,000 $650,000 $3,505,000 $194,000 $708,000
Not Provided 262 $122,820,000 $468,000 $2,525,000 $170,000 $1,185,000
Black or African American 175 $62,425,000 $356,000 $1,605,000 $107,000 $444,000
Native Hawaiian or Other Pacific Islander 14 $7,450,000 $532,000 $945,000 $147,000 $288,000
American Indian or Alaskan Native 13 $4,455,000 $342,000 $635,000 $177,000 $488,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,775 $895,035,000 $504,000 $3,505,000 $165,000 $2,246,000
FHA-insured (Federal Housing Administration) 217 $68,515,000 $315,000 $825,000 $80,000 $294,000
VA-guaranteed (Veterans Administration) 86 $38,740,000 $450,000 $1,525,000 $101,000 $1,144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,440,000 $240,000 $285,000 $58,000 $74,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,847 $895,095,000 $484,000 $3,505,000 $153,000 $2,246,000
Application Withdrawn By Applicant 168 $85,150,000 $506,000 $2,525,000 $163,000 $921,000
Application Approved But Not Accepted 24 $10,700,000 $445,000 $1,455,000 $127,000 $379,000
Application Denied By Financial Institution 19 $5,085,000 $267,000 $465,000 $89,000 $179,000
Preapproval Approved but not Accepted 14 $3,700,000 $264,000 $495,000 $87,000 $134,000
Preapproval Denied by Financial Institution 6 $1,660,000 $276,000 $525,000 $46,000 $67,000
File Closed For Incompleteness 6 $2,340,000 $390,000 $575,000 $287,000 $582,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,059 $996,985,000 $484,000 $3,505,000 $154,000 $2,246,000
Debt-To-Income Ratio 7 $2,265,000 $323,000 $465,000 $73,000 $179,000
Employment History 5 $1,425,000 $285,000 $385,000 $76,000 $102,000
Credit History 5 $1,455,000 $291,000 $525,000 $62,000 $132,000
Other 3 $665,000 $221,000 $275,000 $111,000 $165,000
Collateral 2 $500,000 $250,000 $305,000 $110,000 $154,000
Credit Application Incomplete 2 $200,000 $100,000 $185,000 $81,000 $101,000
Unverifiable Information 1 $235,000 $235,000 $235,000 $58,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Lending Inc.'s 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Premier Lending Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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