Premier Lending Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Premier Lending Inc. of Charlotte, NC reported 1,018 mortgage applications totaling $345.5 million, up 26% from 2024. The average application was for $339,361, and applicants reported an average income of $134,209. 87% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (124), Minneapolis-St. Paul-Bloomington, MN-WI (112) and Charlotte-Concord-Gastonia, NC-SC (86) (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 | 1,018 |
| Total Mortgage Loan Application Amount | $345,470,000 |
| Average Mortgage Loan Application Amount | $339,361 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $134,209 |
| Highest Applicant Income | $4,081,000 |
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Act (HMDA) records Premier Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 133 | $ 26,005,000 | $ 195,526 | $ 117,187 |
| Phoenix-Mesa-Scottsdale, AZ | 124 | $ 55,070,000 | $ 444,112 | $ 206,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 112 | $ 29,130,000 | $ 260,089 | $ 100,000 |
| Charlotte-Concord-Gastonia, NC-SC | 86 | $ 34,310,000 | $ 398,953 | $ 129,302 |
| Santa Rosa, CA | 50 | $ 28,200,000 | $ 564,000 | $ 176,000 |
| Elizabethtown-Fort Knox, KY | 48 | $ 11,390,000 | $ 237,291 | $ 88,000 |
| Birmingham-Hoover, AL | 43 | $ 8,835,000 | $ 205,465 | $ 87,000 |
| Louisville/Jefferson County, KY-IN | 42 | $ 7,810,000 | $ 185,952 | $ 96,619 |
| Spokane-Spokane Valley, WA | 40 | $ 11,080,000 | $ 277,000 | $ 117,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 14,645,000 | $ 418,428 | $ 84,000 |
| Lakeland-Winter Haven, FL | 17 | $ 3,575,000 | $ 210,294 | $ 94,000 |
| Charleston-North Charleston, SC | 14 | $ 4,160,000 | $ 297,142 | $ 100,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 4,770,000 | $ 340,714 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 3,665,000 | $ 281,923 | $ 152,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 4,530,000 | $ 377,500 | $ 167,000 |
| San Francisco-Redwood City-South San Francisco, CA | 12 | $ 15,550,000 | $ 1,295,833 | $ 520,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 7,635,000 | $ 694,090 | $ 204,000 |
| Amarillo, TX | 9 | $ 1,975,000 | $ 219,444 | $ 110,000 |
| Tucson, AZ | 9 | $ 1,935,000 | $ 215,000 | $ 97,000 |
| Dallas-Plano-Irving, TX | 8 | $ 4,120,000 | $ 515,000 | $ 234,000 |
| Port St. Lucie, FL | 8 | $ 1,890,000 | $ 236,250 | $ 89,000 |
| Winston-Salem, NC | 8 | $ 1,660,000 | $ 207,500 | $ 105,000 |
| Colorado Springs, CO | 7 | $ 3,875,000 | $ 553,571 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 3,115,000 | $ 445,000 | $ 144,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 5,255,000 | $ 750,714 | $ 251,000 |
| Tampa, FL | 7 | $ 3,105,000 | $ 443,571 | $ 72,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 2,520,000 | $ 420,000 | $ 186,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,830,000 | $ 471,666 | $ 229,000 |
| Sherman-Denison, TX | 6 | $ 1,220,000 | $ 203,333 | $ 123,000 |
| Bowling Green, KY | 5 | $ 1,765,000 | $ 353,000 | $ 116,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,485,000 | $ 297,000 | $ 184,000 |
| Panama City, FL | 5 | $ 1,375,000 | $ 275,000 | $ 101,000 |
| Rochester, MN | 5 | $ 1,025,000 | $ 205,000 | $ 90,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 640,000 | $ 160,000 | $ 74,000 |
| Huntsville, AL | 4 | $ 1,260,000 | $ 315,000 | $ 189,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,180,000 | $ 295,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,650,000 | $ 412,500 | $ 153,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,380,000 | $ 345,000 | $ 150,000 |
| Clarksville, TN-KY | 3 | $ 1,185,000 | $ 395,000 | $ 61,000 |
| Coeur D'Alene, ID | 3 | $ 935,000 | $ 311,666 | $ 111,000 |
| Kennewick-Richland, WA | 3 | $ 1,015,000 | $ 338,333 | $ 130,000 |
| Billings, MT | 2 | $ 980,000 | $ 490,000 | $ 184,000 |
| Columbus, OH | 2 | $ 920,000 | $ 460,000 | $ 118,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,010,000 | $ 505,000 | $ 94,000 |
| El Paso, TX | 2 | $ 700,000 | $ 350,000 | $ 62,000 |
| Flagstaff, AZ | 2 | $ 1,210,000 | $ 605,000 | $ 342,000 |
| Fort Worth-Arlington, TX | 2 | $ 490,000 | $ 245,000 | $ 35,000 |
| Greensboro-High Point, NC | 2 | $ 420,000 | $ 210,000 | $ 87,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 350,000 | $ 175,000 | $ 118,000 |
| Lexington-Fayette, KY | 2 | $ 300,000 | $ 150,000 | $ 70,000 |
| Lincoln, NE | 2 | $ 550,000 | $ 275,000 | $ 132,000 |
| Macon-Bibb County, GA | 2 | $ 470,000 | $ 235,000 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 970,000 | $ 485,000 | $ 216,000 |
| Salt Lake City, UT | 2 | $ 450,000 | $ 225,000 | $ 99,000 |
| Sioux City, IA-NE-SD | 2 | $ 200,000 | $ 100,000 | $ 77,000 |
| Stockton-Lodi, CA | 2 | $ 960,000 | $ 480,000 | $ 96,000 |
| Tuscaloosa, AL | 2 | $ 200,000 | $ 100,000 | $ 45,000 |
| Wildwood-The Villages, FL | 2 | $ 490,000 | $ 245,000 | $ 66,000 |
| Auburn-Opelika, AL | 1 | $ 505,000 | $ 505,000 | $ 191,000 |
| Austin-Round Rock, TX | 1 | $ 515,000 | $ 515,000 | $ 233,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| Boulder, CO | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Brunswick, GA | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Columbia, SC | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 1,245,000 | $ 1,245,000 | $ 401,000 |
| Flint, MI | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Fort Collins, CO | 1 | $ 425,000 | $ 425,000 | $ 110,000 |
| Jacksonville, FL | 1 | $ 805,000 | $ 805,000 | $ 443,000 |
| Kalamazoo-Portage, MI | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Knoxville, TN | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 825,000 | $ 825,000 | $ 179,000 |
| Memphis, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 7,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Ocala, FL | 1 | $ 465,000 | $ 465,000 | $ 145,000 |
| Ogden-Clearfield, UT | 1 | $ 585,000 | $ 585,000 | $ 220,000 |
| Oklahoma City, OK | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Paducah, KY-IL | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Peoria, IL | 1 | $ 345,000 | $ 345,000 | $ 147,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 375,000 | $ 375,000 | $ 68,000 |
| Raleigh, NC | 1 | $ 295,000 | $ 295,000 | $ 169,000 |
| Salinas, CA | 1 | $ 385,000 | $ 385,000 | $ 101,000 |
| San Antonio-New Braunfels, TX | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| San Diego-Carlsbad, CA | 1 | $ 455,000 | $ 455,000 | $ 147,000 |
| San Rafael, CA | 1 | $ 1,015,000 | $ 1,015,000 | $ 196,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 435,000 | $ 435,000 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 495,000 | $ 495,000 | $ 383,000 |
| St. Cloud, MN | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Tallahassee, FL | 1 | $ 395,000 | $ 395,000 | $ 109,000 |
| Terre Haute, IN | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Vallejo-Fairfield, CA | 1 | $ 585,000 | $ 585,000 | $ 271,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 405,000 | $ 405,000 | $ 148,000 |
| Warner Robins, GA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 345,000 | $ 345,000 | $ 136,000 |
| Winchester, VA-WV | 1 | $ 455,000 | $ 455,000 | $ 161,000 |
| Yakima, WA | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Premier Lending Inc. in 2025
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 | 824 | $266,940,000 | $323,000 | $3,005,000 | $133,000 | $4,081,000 |
| Refinancing | 96 | $43,450,000 | $452,000 | $1,845,000 | $145,000 | $1,712,000 |
| Cash-out Refinancing | 95 | $33,705,000 | $354,000 | $2,645,000 | $132,000 | $874,000 |
| Other Purpose | 3 | $1,375,000 | $458,000 | $775,000 | $191,000 | $366,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 489 | $163,255,000 | $333,000 | $1,965,000 | $123,000 | $1,184,000 |
| Hispanic | 308 | $90,780,000 | $294,000 | $2,645,000 | $131,000 | $3,624,000 |
| Not Provided | 106 | $50,190,000 | $473,000 | $3,005,000 | $216,000 | $4,081,000 |
| Black or African American | 80 | $23,670,000 | $295,000 | $1,845,000 | $101,000 | $573,000 |
| Asian | 31 | $15,935,000 | $514,000 | $1,705,000 | $155,000 | $584,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $995,000 | $331,000 | $425,000 | $83,000 | $124,000 |
| American Indian or Alaskan Native | 1 | $645,000 | $645,000 | $645,000 | $145,000 | $145,000 |
| 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) | 662 | $226,340,000 | $341,000 | $3,005,000 | $151,000 | $4,081,000 |
| FHA-insured (Federal Housing Administration) | 273 | $86,115,000 | $315,000 | $765,000 | $102,000 | $251,000 |
| VA-guaranteed (Veterans Administration) | 77 | $31,875,000 | $413,000 | $1,225,000 | $104,000 | $401,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,140,000 | $190,000 | $275,000 | $78,000 | $105,000 |
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 | 888 | $300,380,000 | $338,000 | $3,005,000 | $133,000 | $4,081,000 |
| Application Withdrawn By Applicant | 67 | $23,535,000 | $351,000 | $1,015,000 | $113,000 | $424,000 |
| Preapproval Approved but not Accepted | 24 | $6,970,000 | $290,000 | $1,445,000 | $211,000 | $3,047,000 |
| Application Approved But Not Accepted | 16 | $7,050,000 | $440,000 | $1,845,000 | $164,000 | $469,000 |
| Application Denied By Financial Institution | 14 | $5,500,000 | $392,000 | $1,235,000 | $153,000 | $1,184,000 |
| Preapproval Denied by Financial Institution | 9 | $2,035,000 | $226,000 | $495,000 | $84,000 | $154,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 995 | $337,935,000 | $339,000 | $3,005,000 | $134,000 | $4,081,000 |
| Other | 11 | $3,225,000 | $293,000 | $805,000 | $181,000 | $1,184,000 |
| Debt-To-Income Ratio | 5 | $1,105,000 | $221,000 | $375,000 | $49,000 | $73,000 |
| Collateral | 3 | $2,085,000 | $695,000 | $1,235,000 | $98,000 | $160,000 |
| Credit History | 3 | $725,000 | $241,000 | $355,000 | $95,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $395,000 | $395,000 | $395,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Lending Inc.'s 2025 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.
For a list of all lenders in North Carolina, download the full spreadsheet
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