Premier Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Premier Bank 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Premier Bank 601 Clinton Street Youngstown, OH 43512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 6,083 |
| Total Mortgage Loan Application Amount | $766,413,000 |
| Average Mortgage Loan Application Amount | $95,666 |
| Highest Mortgage Loan Application Amount | $3,095,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $2,230,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Premier Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Premier Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Premier Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Premier Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Premier Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Premier Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lenawee County Michigan | 760 | $ 88,457,000 | $ 116,000 | $ 73,000 |
| Hancock County Ohio | 597 | $ 100,047,000 | $ 167,000 | $ 99,000 |
| Defiance County Ohio | 549 | $ 56,490,000 | $ 102,000 | $ 66,000 |
| Wood County Ohio | 519 | $ 80,379,000 | $ 154,000 | $ 84,000 |
| Williams County Ohio | 466 | $ 44,635,000 | $ 95,000 | $ 64,000 |
| Allen County Ohio | 444 | $ 52,970,000 | $ 119,000 | $ 91,000 |
| Henry County Ohio | 370 | $ 39,996,000 | $ 108,000 | $ 67,000 |
| Lucas County Ohio | 272 | $ 43,559,000 | $ 160,000 | $ 95,000 |
| Putnam County Ohio | 239 | $ 29,808,000 | $ 124,000 | $ 75,000 |
| Paulding County Ohio | 193 | $ 18,538,000 | $ 96,000 | $ 63,000 |
| Fulton County Ohio | 187 | $ 21,872,000 | $ 116,000 | $ 67,000 |
| Van Wert County Ohio | 102 | $ 10,256,000 | $ 100,000 | $ 60,000 |
| Ottawa County Ohio | 91 | $ 12,307,000 | $ 135,000 | $ 97,000 |
| Allen County Indiana | 80 | $ 15,559,000 | $ 194,000 | $ 93,000 |
| Hillsdale County Michigan | 78 | $ 8,653,000 | $ 110,000 | $ 59,000 |
| Auglaize County Ohio | 66 | $ 7,628,000 | $ 115,000 | $ 66,000 |
| Seneca County Ohio | 62 | $ 5,997,000 | $ 96,000 | $ 63,000 |
| Washtenaw County Michigan | 52 | $ 9,173,000 | $ 176,000 | $ 111,000 |
| Steuben County Indiana | 34 | $ 6,285,000 | $ 184,000 | $ 123,000 |
| Monroe County Michigan | 30 | $ 4,838,000 | $ 161,000 | $ 116,000 |
| Jackson County Michigan | 28 | $ 3,540,000 | $ 126,000 | $ 78,000 |
| Sandusky County Ohio | 24 | $ 2,566,000 | $ 106,000 | $ 57,000 |
| Franklin County Ohio | 19 | $ 4,019,000 | $ 211,000 | $ 151,000 |
| Mercer County Ohio | 17 | $ 3,459,000 | $ 203,000 | $ 127,000 |
| Wayne County Michigan | 16 | $ 1,928,000 | $ 120,000 | $ 113,000 |
| Branch County Michigan | 14 | $ 2,224,000 | $ 158,000 | $ 195,000 |
| Hardin County Ohio | 13 | $ 1,350,000 | $ 103,000 | $ 69,000 |
| Wyandot County Ohio | 13 | $ 1,476,000 | $ 113,000 | $ 80,000 |
| Delaware County Ohio | 8 | $ 1,727,000 | $ 215,000 | $ 104,000 |
| Logan County Ohio | 7 | $ 960,000 | $ 137,000 | $ 116,000 |
| DeKalb County Indiana | 6 | $ 757,000 | $ 126,000 | $ 94,000 |
| Montgomery County Ohio | 5 | $ 485,000 | $ 97,000 | $ 75,000 |
| Antrim County Michigan | 4 | $ 261,000 | $ 65,000 | $ 163,000 |
| Oakland County Michigan | 4 | $ 676,000 | $ 169,000 | $ 185,000 |
| Collier County Florida | 3 | $ 1,000,000 | $ 333,000 | $ 668,000 |
| Whitley County Indiana | 3 | $ 598,000 | $ 199,000 | $ 71,000 |
| Cheboygan County Michigan | 3 | $ 490,000 | $ 163,000 | $ 179,000 |
| Hamilton County Ohio | 3 | $ 348,000 | $ 116,000 | $ 119,000 |
| Shelby County Ohio | 3 | $ 234,000 | $ 78,000 | $ 49,000 |
| Maricopa County Arizona | 2 | $ 314,000 | $ 157,000 | $ 72,000 |
| Walton County Florida | 2 | $ 1,417,000 | $ 708,000 | $ 520,000 |
| Noble County Indiana | 2 | $ 181,000 | $ 90,000 | $ 48,000 |
| Alcona County Michigan | 2 | $ 353,000 | $ 176,000 | $ 87,000 |
| Emmet County Michigan | 2 | $ 316,000 | $ 158,000 | $ 192,000 |
| Kalamazoo County Michigan | 2 | $ 385,000 | $ 192,000 | $ 105,000 |
| Kent County Michigan | 2 | $ 283,000 | $ 141,000 | $ 52,000 |
| Lake County Michigan | 2 | $ 177,000 | $ 88,000 | $ 109,000 |
| Roscommon County Michigan | 2 | $ 200,000 | $ 100,000 | $ 103,000 |
| Erie County Ohio | 2 | $ 410,000 | $ 205,000 | $ 108,000 |
| Fairfield County Ohio | 2 | $ 305,000 | $ 152,000 | $ 117,000 |
| Beaufort County South Carolina | 2 | $ 483,000 | $ 241,000 | $ 94,000 |
| Douglas County Colorado | 1 | $ 406,000 | $ 406,000 | $ 99,000 |
| Pueblo County Colorado | 1 | $ 89,000 | $ 89,000 | $ 41,000 |
| Broward County Florida | 1 | $ 167,000 | $ 167,000 | $ 159,000 |
| Charlotte County Florida | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Lee County Florida | 1 | $ 150,000 | $ 150,000 | $ 255,000 |
| Martin County Florida | 1 | $ 195,000 | $ 195,000 | $ 217,000 |
| Sarasota County Florida | 1 | $ 79,000 | $ 79,000 | $ 88,000 |
| St. Lucie County Florida | 1 | $ 356,000 | $ 356,000 | $ 308,000 |
| Sumter County Florida | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Hendricks County Indiana | 1 | $ 118,000 | $ 118,000 | $ 69,000 |
| Huntington County Indiana | 1 | $ 1,945,000 | $ 1,945,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
| LaGrange County Indiana | 1 | $ 303,000 | $ 303,000 | $ 155,000 |
| Lake County Indiana | 1 | $ 206,000 | $ 206,000 | $ 105,000 |
| Marion County Indiana | 1 | $ 188,000 | $ 188,000 | $ 113,000 |
| St. Joseph County Indiana | 1 | $ 318,000 | $ 318,000 | $ 326,000 |
| Allegan County Michigan | 1 | $ 276,000 | $ 276,000 | $ 108,000 |
| Bay County Michigan | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Charlevoix County Michigan | 1 | $ 63,000 | $ 63,000 | $ 355,000 |
| Crawford County Michigan | 1 | $ 92,000 | $ 92,000 | $ 110,000 |
| Ingham County Michigan | 1 | $ 42,000 | $ 42,000 | $ 109,000 |
| Ionia County Michigan | 1 | $ 62,000 | $ 62,000 | $ 79,000 |
| Kalkaska County Michigan | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Livingston County Michigan | 1 | $ 160,000 | $ 160,000 | $ 32,000 |
| Mackinac County Michigan | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Manistee County Michigan | 1 | $ 12,000 | $ 12,000 | $ 84,000 |
| Marquette County Michigan | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Montmorency County Michigan | 1 | $ 93,000 | $ 93,000 | $ 159,000 |
| Ogemaw County Michigan | 1 | $ 109,000 | $ 109,000 | $ 142,000 |
| Schoolcraft County Michigan | 1 | $ 68,000 | $ 68,000 | $ 153,000 |
| Van Buren County Michigan | 1 | $ 211,000 | $ 211,000 | $ 440,000 |
| Carteret County North Carolina | 1 | $ 1,200,000 | $ 1,200,000 | $ 455,000 |
| Guilford County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
| Mecklenburg County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Brown County Ohio | 1 | $ 142,000 | $ 142,000 | $ 103,000 |
| Butler County Ohio | 1 | $ 117,000 | $ 117,000 | $ 147,000 |
| Gallia County Ohio | 1 | $ 279,000 | $ 279,000 | $ 195,000 |
| Greene County Ohio | 1 | $ 137,000 | $ 137,000 | $ 800,000 |
| Huron County Ohio | 1 | $ 133,000 | $ 133,000 | $ 46,000 |
| Knox County Ohio | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Lorain County Ohio | 1 | $ 86,000 | $ 86,000 | $ 165,000 |
| Morrow County Ohio | 1 | $ 130,000 | $ 130,000 | $ 148,000 |
| Portage County Ohio | 1 | $ 201,000 | $ 201,000 | $ 184,000 |
| Stark County Ohio | 1 | $ 131,000 | $ 131,000 | $ 139,000 |
| Union County Ohio | 1 | $ 313,000 | $ 313,000 | $ 190,000 |
| Warren County Ohio | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Horry County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Lexington County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 154,000 |
| Putnam County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 67,000 |
| Williamson County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 108,000 |
| Bexar County Texas | 1 | $ 212,000 | $ 212,000 | $ 149,000 |
| Harris County Texas | 1 | $ 403,000 | $ 403,000 | $ 120,000 |
| Chesterfield County Virginia | 1 | $ 302,000 | $ 302,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Premier Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,442 | $571,029,000 | $128,000 | $3,095,000 | $82,000 | $2,230,000 |
| Home Purchase | 1,590 | $193,401,000 | $121,000 | $1,840,000 | $66,000 | $1,224,000 |
| Home Improvement | 51 | $1,983,000 | $38,000 | $692,000 | $59,000 | $293,000 |
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 |
|---|---|---|---|---|---|---|
| White | 5,794 | $710,561,000 | $122,000 | $1,200,000 | $78,000 | $2,230,000 |
| Hispanic | 136 | $12,792,000 | $94,000 | $288,000 | $63,000 | $586,000 |
| Not applicable | 66 | $29,735,000 | $450,000 | $3,095,000 | $0 | $62,000 |
| Asian | 31 | $6,214,000 | $200,000 | $540,000 | $131,000 | $639,000 |
| Black or African American | 21 | $2,412,000 | $114,000 | $280,000 | $70,000 | $356,000 |
| Not Provided | 20 | $2,529,000 | $126,000 | $235,000 | $66,000 | $387,000 |
| American Indian or Alaskan Native | 15 | $2,170,000 | $144,000 | $395,000 | $86,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 5,648 | $728,348,000 | $128,000 | $3,095,000 | $80,000 | $2,230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 374 | $31,343,000 | $83,000 | $239,000 | $36,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 61 | $6,722,000 | $110,000 | $274,000 | $57,000 | $221,000 |
| VA-guaranteed (Veterans Administration) | 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 | 4,452 | $583,796,000 | $131,000 | $3,095,000 | $83,000 | $2,230,000 |
| Application Denied By Financial Institution | 469 | $52,793,000 | $112,000 | $1,000,000 | $58,000 | $586,000 |
| Application Withdrawn By Applicant | 350 | $42,564,000 | $121,000 | $400,000 | $76,000 | $757,000 |
| Preapproval Denied by Financial Institution | 333 | $26,990,000 | $81,000 | $332,000 | $39,000 | $116,000 |
| Preapproval Approved but not Accepted | 289 | $37,075,000 | $128,000 | $417,000 | $62,000 | $750,000 |
| Application Approved But Not Accepted | 163 | $19,908,000 | $122,000 | $400,000 | $76,000 | $378,000 |
| File Closed For Incompleteness | 22 | $2,821,000 | $128,000 | $417,000 | $69,000 | $158,000 |
| Loan Purchased By The Institution | 5 | $466,000 | $93,000 | $184,000 | $157,000 | $384,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 343 | $29,820,000 | $86,000 | $315,000 | $45,000 | $142,000 |
| Debt-To-Income Ratio | 221 | $23,157,000 | $104,000 | $410,000 | $44,000 | $221,000 |
| Collateral | 87 | $12,365,000 | $142,000 | $1,000,000 | $88,000 | $586,000 |
| Other | 61 | $6,679,000 | $109,000 | $260,000 | $58,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 59 | $5,367,000 | $90,000 | $350,000 | $44,000 | $115,000 |
| Employment History | 12 | $828,000 | $69,000 | $143,000 | $30,000 | $80,000 |
| Mortgage Insurance Denied | 11 | $963,000 | $87,000 | $143,000 | $35,000 | $84,000 |
| Unverifiable Information | 8 | $604,000 | $75,000 | $100,000 | $39,000 | $87,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank's 2012 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 Bank'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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