Premier Lending Services, LP Mortgage Lending & HMDA Data, 2006
In 2006, Premier Lending Services, LP of Miamisburg, OH reported 277 mortgage applications totaling $62.3 million, down 37% from 2005. The average application was for $224,877, and applicants reported an average income of $98,574. 77% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Merced, CA (108), Sacramento--Arden-Arcade--Roseville, CA (86) and Yuba City, CA (73) (applications in parentheses).
| Mortgage Company & Address | Premier Lending Services, LP 3232 Newmark Dr Miamisburg, OH 45342 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 277 |
| Total Mortgage Loan Application Amount | $62,291,000 |
| Average Mortgage Loan Application Amount | $224,877 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $98,574 |
| Highest Applicant Income | $370,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Lending Services, LP filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Merced, California | 108 | $ 22,870,000 | $ 211,759 | $ 98,000 |
| Sacramento, California | 82 | $ 19,515,000 | $ 237,987 | $ 112,000 |
| Sutter, California | 72 | $ 15,216,000 | $ 211,333 | $ 88,000 |
| Placer, California | 2 | $ 801,000 | $ 400,500 | $ 44,000 |
| Santa Clara, California | 2 | $ 525,000 | $ 262,500 | $ 91,000 |
| Stanislaus, California | 2 | $ 456,000 | $ 228,000 | $ 89,000 |
| Tuolumne, California | 2 | $ 381,000 | $ 190,500 | $ 54,000 |
| El Dorado, California | 1 | $ 500,000 | $ 500,000 | $ 127,000 |
| Plumas, California | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| San Francisco, California | 1 | $ 625,000 | $ 625,000 | $ 173,000 |
| San Joaquin, California | 1 | $ 512,000 | $ 512,000 | $ 152,000 |
| Yolo, California | 1 | $ 184,000 | $ 184,000 | $ 28,000 |
| Yuba, California | 1 | $ 259,000 | $ 259,000 | $ 86,000 |
| Churchill, Nevada | 1 | $ 202,000 | $ 202,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Premier Lending Services, LP in 2006
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 | 236 | $52,720,000 | $223,000 | $625,000 | $104,000 | $370,000 |
| Refinancing | 38 | $8,979,000 | $236,000 | $512,000 | $68,000 | $152,000 |
| Home Improvement | 3 | $592,000 | $197,000 | $288,000 | $59,000 | $91,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 147 | $33,869,000 | $230,000 | $625,000 | $98,000 | $210,000 |
| White | 53 | $11,679,000 | $220,000 | $500,000 | $95,000 | $300,000 |
| Hispanic | 45 | $9,828,000 | $218,000 | $391,000 | $73,000 | $144,000 |
| Asian | 27 | $6,019,000 | $222,000 | $441,000 | $127,000 | $370,000 |
| Black or African American | 5 | $896,000 | $179,000 | $321,000 | $226,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 274 | $61,255,000 | $223,000 | $625,000 | $99,000 | $370,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,036,000 | $345,000 | $417,000 | $80,000 | $108,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 213 | $47,967,000 | $225,000 | $625,000 | $101,000 | $370,000 |
| Application Approved But Not Accepted | 42 | $9,925,000 | $236,000 | $500,000 | $89,000 | $168,000 |
| Application Denied By Financial Institution | 14 | $3,235,000 | $231,000 | $382,000 | $97,000 | $202,000 |
| Application Withdrawn By Applicant | 6 | $840,000 | $140,000 | $277,000 | $83,000 | $168,000 |
| Preapproval Denied by Financial Institution | 2 | $324,000 | $162,000 | $254,000 | $87,000 | $102,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $1,212,000 | $202,000 | $350,000 | $72,000 | $102,000 |
| Credit History | 4 | $1,183,000 | $295,000 | $382,000 | $84,000 | $93,000 |
| Other | 2 | $640,000 | $320,000 | $345,000 | $189,000 | $202,000 |
| Unverifiable Information | 2 | $194,000 | $97,000 | $120,000 | $88,000 | $177,000 |
| Collateral | 1 | $264,000 | $264,000 | $264,000 | $108,000 | $108,000 |
| Credit Application Incomplete | 1 | $66,000 | $66,000 | $66,000 | $108,000 | $108,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Services, LP's 2006 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 Services, LP'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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