Premier America mortgage approval rate & lending review
Premier America decided 787 mortgage applications and funded 572 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Premier America reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Premier America at a glance
Approval is 11.5 points above the 67.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 94 / 107 | 91% | $365K | 86 |
| Home improvement loans | 81% | 449 / 555 | 94% | $105K | 421 |
| Cash-out refinance | 55% | 28 / 51 | 79% | $105K | 22 |
| Investment home improvement | 56% | 14 / 25 | 93% | $155K | 13 |
Premier America lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $105K | 703 | 509 |
| Texas | 72% | $285K | 47 | 31 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Premier America lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ventura County, CA | Home improvement loans | 83% | 247 | 189 |
| Los Angeles County, CA | Home improvement loans | 80% | 236 | 179 |
The county markets where Premier America made the most loans. Each link opens that market with every lender ranked.
Questions about Premier America
What is Premier America's mortgage approval rate?
Premier America approved 78.7% of the 787 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 67.1% national rate for the same mix of loan types.
How often do borrowers take the loan Premier America offers?
Borrowers accepted 92% of the loans Premier America approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Premier America make?
The typical home improvement loan loan Premier America made was $105K; across all loan types its typical loan ran from $105K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Premier America lend?
Premier America decided applications in 18 of the states Fat Boy Data covers, most of them in California, Texas and Arizona.
Can I apply to Premier America directly?
Yes. Premier America is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Premier America's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Premier America treats applications, then get a rate quote from the lender.