Premier Lending Inc. Mortgage Lending & HMDA Data, 2024
In 2024, Premier Lending Inc. of Charlotte, NC reported 807 mortgage applications totaling $224.5 million, up 35% from 2023. The average application was for $278,221, and applicants reported an average income of $129,812. 89% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (148), Charlotte-Concord-Gastonia, NC-SC (101) and Phoenix-Mesa-Scottsdale, AZ (74) (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 | 807 |
| Total Mortgage Loan Application Amount | $224,525,000 |
| Average Mortgage Loan Application Amount | $278,221 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $129,812 |
| Highest Applicant Income | $5,695,000 |
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Act (HMDA) records Premier Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 148 | $ 23,060,000 | $ 155,810 | $ 79,000 |
| Charlotte-Concord-Gastonia, NC-SC | 101 | $ 32,145,000 | $ 318,267 | $ 127,633 |
| Outside any metro area | 84 | $ 17,010,000 | $ 202,500 | $ 94,547 |
| Phoenix-Mesa-Scottsdale, AZ | 74 | $ 31,670,000 | $ 427,972 | $ 243,000 |
| Akron, OH | 63 | $ 10,495,000 | $ 166,587 | $ 96,000 |
| Spokane-Spokane Valley, WA | 53 | $ 16,735,000 | $ 315,754 | $ 118,000 |
| Santa Rosa, CA | 40 | $ 23,210,000 | $ 580,250 | $ 182,000 |
| St. Cloud, MN | 28 | $ 3,560,000 | $ 127,142 | $ 76,000 |
| Amarillo, TX | 21 | $ 5,215,000 | $ 248,333 | $ 131,000 |
| Canton-Massillon, OH | 21 | $ 3,665,000 | $ 174,523 | $ 81,000 |
| Cleveland, OH | 18 | $ 3,530,000 | $ 196,111 | $ 126,000 |
| Elizabethtown-Fort Knox, KY | 18 | $ 5,030,000 | $ 279,444 | $ 72,000 |
| Winston-Salem, NC | 13 | $ 2,255,000 | $ 173,461 | $ 75,000 |
| Kennewick-Richland, WA | 9 | $ 2,125,000 | $ 236,111 | $ 88,000 |
| Tucson, AZ | 9 | $ 2,095,000 | $ 232,777 | $ 77,000 |
| Columbus, OH | 8 | $ 2,580,000 | $ 322,500 | $ 175,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 1,510,000 | $ 188,750 | $ 67,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 4,515,000 | $ 645,000 | $ 245,000 |
| Lakeland-Winter Haven, FL | 6 | $ 1,380,000 | $ 230,000 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 3,620,000 | $ 603,333 | $ 168,000 |
| Birmingham-Hoover, AL | 5 | $ 875,000 | $ 175,000 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,100,000 | $ 275,000 | $ 111,000 |
| Lexington-Fayette, KY | 4 | $ 940,000 | $ 235,000 | $ 74,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 3,760,000 | $ 940,000 | $ 271,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,690,000 | $ 422,500 | $ 167,000 |
| Stockton-Lodi, CA | 4 | $ 1,000,000 | $ 250,000 | $ 199,000 |
| Raleigh, NC | 3 | $ 695,000 | $ 231,666 | $ 99,000 |
| Tampa, FL | 3 | $ 845,000 | $ 281,666 | $ 85,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,430,000 | $ 715,000 | $ 283,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 170,000 | $ 85,000 | $ 48,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 1,010,000 | $ 505,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,140,000 | $ 570,000 | $ 2,915,000 |
| Clarksville, TN-KY | 2 | $ 560,000 | $ 280,000 | $ 68,000 |
| Columbia, SC | 2 | $ 650,000 | $ 325,000 | $ 188,000 |
| Dallas-Plano-Irving, TX | 2 | $ 330,000 | $ 165,000 | $ 111,000 |
| Flagstaff, AZ | 2 | $ 1,950,000 | $ 975,000 | $ 478,000 |
| Huntsville, AL | 2 | $ 560,000 | $ 280,000 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 920,000 | $ 460,000 | $ 186,000 |
| San Rafael, CA | 2 | $ 2,100,000 | $ 1,050,000 | $ 500,000 |
| Auburn-Opelika, AL | 1 | $ 475,000 | $ 475,000 | $ 179,000 |
| Charleston-North Charleston, SC | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Coeur D'Alene, ID | 1 | $ 465,000 | $ 465,000 | $ 133,000 |
| Decatur, AL | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Fort Worth-Arlington, TX | 1 | $ 675,000 | $ 675,000 | $ 350,000 |
| Fresno, CA | 1 | $ 465,000 | $ 465,000 | $ 142,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Lubbock, TX | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Memphis, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Merced, CA | 1 | $ 425,000 | $ 425,000 | $ 138,000 |
| Montgomery, AL | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Napa, CA | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Pittsburgh, PA | 1 | $ 755,000 | $ 755,000 | $ 220,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 545,000 | $ 545,000 | $ 124,000 |
| Savannah, GA | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Wilmington, NC | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Yuba City, CA | 1 | $ 695,000 | $ 695,000 | $ 176,000 |
Mortgage Loan Application Detail Totals for Premier Lending Inc. in 2024
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 | 753 | $207,345,000 | $275,000 | $2,505,000 | $131,000 | $5,695,000 |
| Cash-out Refinancing | 29 | $7,955,000 | $274,000 | $765,000 | $109,000 | $353,000 |
| Refinancing | 24 | $8,820,000 | $367,000 | $845,000 | $118,000 | $734,000 |
| Other Purpose | 1 | $405,000 | $405,000 | $405,000 | $123,000 | $123,000 |
| 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 | 351 | $114,005,000 | $324,000 | $2,505,000 | $150,000 | $5,695,000 |
| Hispanic | 265 | $52,445,000 | $197,000 | $1,645,000 | $84,000 | $363,000 |
| Not Provided | 118 | $37,850,000 | $320,000 | $1,495,000 | $188,000 | $3,047,000 |
| Black or African American | 48 | $12,570,000 | $261,000 | $945,000 | $110,000 | $347,000 |
| Asian | 23 | $7,145,000 | $310,000 | $845,000 | $103,000 | $316,000 |
| American Indian or Alaskan Native | 2 | $510,000 | $255,000 | $295,000 | $67,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 621 | $170,785,000 | $275,000 | $2,505,000 | $140,000 | $5,695,000 |
| FHA-insured (Federal Housing Administration) | 137 | $38,405,000 | $280,000 | $705,000 | $97,000 | $449,000 |
| VA-guaranteed (Veterans Administration) | 46 | $14,620,000 | $317,000 | $775,000 | $91,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $715,000 | $238,000 | $285,000 | $85,000 | $88,000 |
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 | 715 | $199,645,000 | $279,000 | $1,645,000 | $124,000 | $3,047,000 |
| Preapproval Approved but not Accepted | 73 | $20,125,000 | $275,000 | $2,505,000 | $191,000 | $5,695,000 |
| Preapproval Denied by Financial Institution | 11 | $3,135,000 | $285,000 | $475,000 | $117,000 | $219,000 |
| Application Approved But Not Accepted | 5 | $965,000 | $193,000 | $285,000 | $87,000 | $123,000 |
| Application Denied By Financial Institution | 3 | $655,000 | $218,000 | $395,000 | $80,000 | $139,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 793 | $220,735,000 | $278,000 | $2,505,000 | $130,000 | $5,695,000 |
| Other | 7 | $2,075,000 | $296,000 | $475,000 | $125,000 | $219,000 |
| Debt-To-Income Ratio | 4 | $870,000 | $217,000 | $275,000 | $96,000 | $196,000 |
| Collateral | 1 | $195,000 | $195,000 | $195,000 | $7,000 | $7,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $315,000 | $315,000 | $315,000 | $161,000 | $161,000 |
| Credit History | 1 | $335,000 | $335,000 | $335,000 | $100,000 | $100,000 |
| 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 2024 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
with aggregated HMDA statistics today.
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