Premier Bank Mortgage Lending & HMDA Data, 2012
In 2012, Premier Bank of Youngstown, OH reported 6,083 mortgage applications totaling $766.4 million, up 46% from 2011. The average application was for $125,992, and applicants reported an average income of $77,625. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Toledo, OH (1,069), Lima, OH (444) and Fort Wayne, IN (83) (applications in parentheses).
| Mortgage Company & Address | Premier Bank 601 Clinton Street Youngstown, OH 44503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 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 | $125,992 |
| Highest Mortgage Loan Application Amount | $3,095,000 |
| Average Applicant Income | $77,625 |
| Highest Applicant Income | $2,230,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Toledo, OH | 1,069 | $ 158,117,000 | $ 147,911 | $ 85,000 |
| Lima, OH | 444 | $ 52,970,000 | $ 119,301 | $ 91,000 |
| Fort Wayne, IN | 83 | $ 16,157,000 | $ 194,662 | $ 92,000 |
| Ann Arbor, MI | 52 | $ 9,173,000 | $ 176,403 | $ 111,000 |
| Columbus, OH | 31 | $ 6,494,000 | $ 209,483 | $ 138,000 |
| Monroe, MI | 30 | $ 4,838,000 | $ 161,266 | $ 116,000 |
| Jackson, MI | 28 | $ 3,540,000 | $ 126,428 | $ 78,000 |
| Detroit-Livonia-Dearborn, MI | 16 | $ 1,928,000 | $ 120,500 | $ 113,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 972,000 | $ 162,000 | $ 131,000 |
| Dayton, OH | 6 | $ 622,000 | $ 103,666 | $ 196,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 836,000 | $ 167,200 | $ 154,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 345,000 | $ 115,000 | $ 61,000 |
| Kalamazoo-Portage, MI | 3 | $ 596,000 | $ 198,666 | $ 217,000 |
| Naples-Marco Island, FL | 3 | $ 1,000,000 | $ 333,333 | $ 668,000 |
| Indianapolis-Carmel, IN | 2 | $ 306,000 | $ 153,000 | $ 91,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 314,000 | $ 157,000 | $ 72,000 |
| Port St. Lucie, FL | 2 | $ 551,000 | $ 275,500 | $ 262,000 |
| Sandusky, OH | 2 | $ 410,000 | $ 205,000 | $ 108,000 |
| Akron, OH | 1 | $ 201,000 | $ 201,000 | $ 184,000 |
| Bay City, MI | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Canton-Massillon, OH | 1 | $ 131,000 | $ 131,000 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 150,000 | $ 150,000 | $ 255,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 86,000 | $ 86,000 | $ 165,000 |
| Columbia, SC | 1 | $ 232,000 | $ 232,000 | $ 154,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 406,000 | $ 406,000 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 167,000 | $ 167,000 | $ 159,000 |
| Gary, IN | 1 | $ 206,000 | $ 206,000 | $ 105,000 |
| Greensboro-High Point, NC | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 403,000 | $ 403,000 | $ 120,000 |
| Lansing-East Lansing, MI | 1 | $ 42,000 | $ 42,000 | $ 109,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 176,000 | $ 176,000 | $ 108,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 79,000 | $ 79,000 | $ 88,000 |
| Pueblo, CO | 1 | $ 89,000 | $ 89,000 | $ 41,000 |
| Punta Gorda, FL | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Richmond, VA | 1 | $ 302,000 | $ 302,000 | $ 95,000 |
| San Antonio-New Braunfels, TX | 1 | $ 212,000 | $ 212,000 | $ 149,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 318,000 | $ 318,000 | $ 326,000 |
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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with aggregated HMDA statistics today.
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